Wingy
Your doctor can fax a prescription to www.EmpowerPharmacy.com or another compounding pharmacy for a testosterone cream or injection. You can also use www.GoodRx.com. Their price is low and you don't have to go through your insurance. Also, if insurance does not want to pay for your week 8, 16 and 24 blood test follow up, you can use www.DiscountedLabs.com and buy the tests yourself.
Testosterone creams run about $40-50 per month. Injections about $30 per month (dose dependent). HCG about $70 for 11 weeks. Blood test panels :
TRT Follow up (week 8 and possibly week 16 if you change doses, etc)
After everything is stable this panel is all you need every 3-6 months