Hormone Optimization
HOW MUCH DOES
TRT COST?
$235/month at Moonshot Medical, all-inclusive. Here's what that covers, how it compares, and what to watch for when shopping TRT programs.
Medically reviewed by Missy Zammichieli, DNP, APRN, FNP-BC · Updated April 2026
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QUICK ANSWER: HOW MUCH DOES TRT COST?
At Moonshot Medical in Park Ridge, IL, testosterone replacement therapy costs $235 per month. That's all-inclusive: medical oversight, testosterone, comprehensive labs every 6 months, 2 DEXA body composition scans per year, 1 vitamin injection per month, and ongoing dosing adjustments.
The only additional cost is initial bloodwork, approximately $210 as a one-time fee before starting treatment. After that, it's $235/month with no surprise charges.
Nationally, TRT costs range from $150 to $500+ per month depending on the provider model. The price difference usually comes down to what's included vs. what gets billed separately. A $150/month program that charges $400 for labs every 3 months isn't actually cheaper.
Bottom line: $235/month all-in. Initial labs ~$210 one-time. No hidden fees, no surprise lab bills, no separate office visit charges. HSA/FSA accepted. Prices current as of April 2026.
WHAT'S INCLUDED IN THE $235/MONTH
Moonshot's Men's Hormone Optimization program bundles everything into one monthly fee. Here's what you're getting:
Medical Oversight
Ongoing provider access for dosing adjustments, symptom management, and protocol optimization. Your provider reviews your labs, tracks your progress, and adjusts your protocol as needed. Not a "set it and forget it" prescription.
Comprehensive Labs (Every 6 Months)
Full bloodwork panels covering 60+ biomarkers: total and free testosterone, estradiol, SHBG, PSA, CBC, CMP, lipids, thyroid, metabolic markers, and more. These are included in your monthly fee — not billed separately.
2 DEXA Scans Per Year
Body composition tracking via DEXA scan — the gold standard for measuring lean mass, fat mass, and bone density. This lets you objectively track whether TRT is changing your body composition, not just your testosterone number.
1 Vitamin Injection Per Month
Monthly vitamin injection included in your program. Specific formulation based on your bloodwork and needs.
Ongoing Dosing Adjustments
TRT isn't one-size-fits-all. Your dose gets dialed in based on your labs, symptoms, and response. Adjustments are included — you're not paying per visit to fine-tune your protocol.
No Hidden Fees
No separate charges for office visits, no pharmacy markups, no "membership fees" layered on top. The $235 is the price. HSA and FSA cards accepted.
Why this matters: Most TRT programs advertise a low monthly rate but then bill labs, visits, and pharmacy costs separately. A $150/month program with $400 lab draws every quarter and $200 follow-up visits costs more than $235/month all-in. Always ask what's included before comparing prices.
TRT COST COMPARISON
TRT pricing varies significantly depending on the provider model. Here's an honest comparison of what you'll actually pay across different options:
| Provider Type | Monthly Cost | Labs Included? | True Annual Cost |
|---|---|---|---|
| Moonshot Medical | $235/mo | Yes (+ DEXA, vitamins) | ~$3,030* |
| Telehealth TRT Clinics | $150-300/mo | Usually no | $2,600-5,200+ |
| Concierge / Anti-Aging Clinics | $300-500/mo | Sometimes | $4,000-7,000+ |
| Insurance (PCP/Endo) | $30-75/mo (med only) | Basic only | $500-1,500+ |
*Includes $210 initial labs + 12 months at $235. Subsequent years: $2,820/year.
Telehealth TRT clinics (like many online men's health platforms) typically advertise $150-300/month but bill labs separately at $200-500 per draw. If you're getting labs every 3-4 months — which you should be, especially in the first year — that adds $600-2,000/year on top of the monthly fee. Some also charge consultation fees or require a separate pharmacy relationship.
Concierge and anti-aging clinics often charge $300-500/month. Some include labs, some don't. You're often paying a premium for the brand and the office environment. The clinical quality varies widely.
Insurance-based TRT is the cheapest option on paper. A testosterone cypionate prescription with insurance might cost $30-75/month. But insurance-based monitoring is minimal: typically one basic testosterone level check per year, no free testosterone, no estradiol management, no DEXA scans, no comprehensive biomarker tracking. You get a prescription, not an optimization program.
The real question isn't "what's cheapest?" — it's "what's included?" A $150/month program that doesn't include labs, DEXA scans, or proper monitoring isn't a better deal. It's a lower sticker price with unbundled costs.
READY TO GET STARTED?
Book your initial hormone panel. $210 for comprehensive labs, then $235/month all-inclusive if you move forward.
WHY CASH-PAY CAN BE CHEAPER THAN INSURANCE
This sounds counterintuitive. Insurance is supposed to make healthcare cheaper. For basic TRT — a prescription and minimal monitoring — it usually is. But for optimization-level TRT, the math often favors cash-pay.
Here's why: insurance covers treatment of a diagnosis. If your total testosterone is below 300 ng/dL, insurance will generally cover a testosterone prescription and a basic lab check once or twice a year. That's the floor of care.
What insurance typically doesn't cover:
Comprehensive Biomarker Panels
Insurance covers basic testosterone. Optimization requires tracking free testosterone, SHBG, estradiol, PSA, hematocrit, lipids, thyroid, metabolic markers — 60+ biomarkers. Most insurance plans won't cover this level of monitoring for "routine" TRT.
DEXA Body Composition Scans
Insurance covers DEXA for osteoporosis screening in specific populations. It does not cover DEXA for body composition tracking — which is the most objective way to measure whether TRT is actually changing your lean mass and fat distribution.
Dosing Optimization
Insurance-based TRT often means your PCP writes a standard dose, checks your level once a year, and calls it done. Optimization means dialing in your dose based on labs, symptoms, and response — with adjustments until you're in the right range for your body.
Provider Expertise
Most PCPs prescribe TRT but don't specialize in hormone optimization. They may not monitor estradiol, may not adjust protocols based on symptoms vs. just numbers, and may not be up to date on current optimization protocols. Specialization matters.
Then there's the insurance math itself. If you haven't met your deductible ($2,000-6,000 for many plans), you're paying out-of-pocket for labs and visits anyway — at insurance-negotiated rates that are often higher than cash-pay prices. A $400 lab panel through insurance (pre-deductible) might cost $210 cash-pay.
Cash-pay also eliminates prior authorizations, formulary restrictions, and the administrative friction of dealing with insurance companies. You get the medication your provider prescribes, at the dose they recommend, without a claims adjuster second-guessing the clinical decision.
To be clear: If you want basic TRT — a prescription and minimal monitoring — insurance is probably your cheapest option. If you want optimization-level care with comprehensive labs, DEXA tracking, and active dosing management, a cash-pay program like Moonshot's $235/month is often a better value than insurance + out-of-pocket monitoring costs.
WHAT YOUR FIRST MONTH LOOKS LIKE
Here's a step-by-step breakdown of the cost and process for getting started with TRT at Moonshot Medical:
Step 1
Initial Labs — ~$210
Comprehensive bloodwork to establish your baseline. This includes total and free testosterone, estradiol, SHBG, CBC, CMP, lipids, thyroid, PSA, and more. We need to see where you are before building your protocol. This is a one-time cost.
Step 2
Provider Review & Protocol Design
Your provider reviews your labs, medical history, and symptoms. If TRT is appropriate, they design a personalized protocol — dose, frequency, and any ancillary medications. If TRT isn't the right move, they'll tell you that too.
Step 3
First Month — $235
Your first month of the Men's Hormone Optimization program. Includes your testosterone prescription, supplies, provider access, and your first vitamin injection. You're trained on self-injection technique if applicable.
Ongoing
$235/Month Ongoing
Same monthly rate going forward. Labs every 6 months, 2 DEXA scans per year, monthly vitamin injection, and unlimited dosing adjustments — all included. No price increases, no surprise bills.
Total to get started: ~$445 (initial labs + first month). Then $235/month ongoing. If you want a baseline body composition assessment before starting, the Performance Baseline Bundle (DEXA + blood panel) is available for $405.
IS TRT WORTH THE COST?
This is the real question. $235/month is $2,820/year. Is it worth it? That depends entirely on how much low testosterone is costing you right now — in energy, productivity, body composition, sleep quality, and quality of life.
Men with clinically low testosterone often report:
Energy & Productivity
Fatigue is the most common symptom of low testosterone. Men on optimized TRT consistently report significantly improved energy levels, mental clarity, and daily productivity. If low energy is costing you performance at work, the ROI calculation is straightforward.
Body Composition
Optimized testosterone levels support increased lean muscle mass and reduced body fat — especially when combined with strength training and proper nutrition. These changes are measurable via DEXA scan, which is why we include 2 scans per year in the program.
Sleep Quality
Low testosterone is associated with poor sleep quality and reduced deep sleep. Optimizing testosterone levels often improves sleep architecture, which cascades into better recovery, mood, and cognitive function.
Cognitive Function
Brain fog, difficulty concentrating, and reduced mental sharpness are common symptoms of low testosterone. Research shows that testosterone plays a role in cognitive function, and many men report improved focus and mental clarity on TRT.
The honest answer: TRT isn't for everyone. If your testosterone is in a healthy range and you feel fine, spending $235/month on optimization doesn't make sense. But if your levels are low and it's affecting your energy, body composition, sleep, and daily performance, the cost of not treating it is often higher than the cost of treatment.
The best way to find out is to get your levels checked. A comprehensive blood panel gives you data instead of guessing.
Worth noting: TRT is not a shortcut. It restores a hormonal foundation. You still need to train, eat well, sleep, and manage stress. What TRT does is remove the hormonal bottleneck that makes all of those things harder and less effective. Think of it as removing the governor on an engine — you still have to drive the car.
TRT COST FAQ
How much does TRT cost per month?
TRT costs vary widely depending on the provider model. At Moonshot Medical in Park Ridge, IL, the Men's Hormone Optimization program is $235 per month, all-inclusive. That covers medical oversight, testosterone, comprehensive labs every 6 months, 2 DEXA scans per year, 1 vitamin injection per month, and ongoing dosing adjustments. Telehealth clinics typically charge $150-300/month but often bill labs separately. Concierge clinics run $300-500/month.
Does insurance cover TRT?
Insurance can cover basic testosterone prescriptions if you meet diagnostic criteria (typically total testosterone below 300 ng/dL with symptoms). However, insurance-based TRT usually means limited monitoring — a basic testosterone level check once or twice a year, no DEXA scans, no comprehensive biomarker panels. You'll also deal with copays, deductibles, prior authorizations, and formulary restrictions. Many men find that a cash-pay optimization program provides better monitoring and outcomes than insurance-based TRT.
What's included in Moonshot's TRT program?
The $235/month Men's Hormone Optimization program includes: medical oversight and provider access, testosterone and supplies, comprehensive lab panels every 6 months (60+ biomarkers), 2 DEXA body composition scans per year, 1 vitamin injection per month, and ongoing dosing adjustments based on your labs and symptoms. Initial labs are a one-time cost of approximately $210.
Are there hidden fees?
At Moonshot Medical, no. The $235/month price includes labs, monitoring, medication, and DEXA scans. The only additional cost is initial labs (~$210, one-time). Many other clinics charge separately for labs ($200-500 per draw), office visits ($150-250 each), pharmacy fees, and membership fees on top of medication costs. Always ask what's included before committing to any TRT program.
Is TRT a lifetime commitment?
TRT is typically a long-term therapy, not a short course. Once you start exogenous testosterone, your body reduces its own production. If you stop, your natural levels will likely return to where they were before treatment — or temporarily lower while your body restarts production. Some men use TRT for years or decades. Others use it for a period and then taper off under medical supervision. Your provider will discuss the long-term implications before you start.
How much do TRT labs cost?
At Moonshot Medical, labs are included in the $235/month program fee — comprehensive panels every 6 months at no extra charge. Initial labs before starting TRT cost approximately $210 (one-time). At other clinics, lab costs vary significantly: some charge $200-500 per blood draw on top of monthly fees, while insurance-based labs depend on your plan's coverage and deductible status. Lab costs are one of the most common hidden fees in TRT programs.
BOOK YOUR HORMONE PANEL
$285 for comprehensive labs. Find out where your levels stand before committing to anything.
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Medical Disclaimer: This article is for informational purposes only and does not constitute medical advice, diagnosis, or treatment. Testosterone replacement therapy is a prescription medical treatment that requires evaluation by a licensed healthcare provider. Results vary by individual. Prices current as of April 2026 and subject to change. HSA/FSA accepted. No provider-patient relationship is established by viewing this content.