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Nelson:   Unfortunately I don't know what insurance companies will pay but I do know I paid for my TRT pellets since I had to do something to get my life & energy back.  Found a hormone/testosterone pro which was 5th Dr I had seen who knew what & how to treat.  He had the pellets compounded with testosterone & an estradiol lowering med.  My orig blood test was 249 TT and 48 estradiol.  Other items tested were normal.  At follow up testing after 5 wks, TT was 1045 & Estradiol was 26.  Cost me $725 for the pellets insertation & all office visits.  My insurance covers blood test.  Best and most benefit I have received for the money.   I go back in 4 months for insertation of more pharmacy compounded pellets.   By the way I'm 68 and feeling like I'm 40 again!   Good luck.