If you insist on using your insurance, working only with a doctor who will accept and file your insurance, you are likely to be disappointed. You may get lucky, some do, but the pool of doctors who really understand androgen replacement is very small. Call Defy Medical - they won't upsell you and they'll be totally transparent in regard to costs. You may be surprised to find it is affordable, far more affordable than you expect it to be. Look at it this way: you pay what is necessary to maintain your car, consider investing in your health.