The insurance companies won't give you TRT unless you score below 300 ng/dL. Ordering a total testosterone by itself is useless without other testing, sadly most doctors have not been trained in how to diagnose a testosterone deficiency, so doctors don't even know what tests to order or know how to interpret them.
Be glad you went private because there's a tradeoff to going to an insurance doctor, the majority have no idea what their doing.
