BC/BS here covers it IF one goes to a doctor that accepts BC/BS. United also covered it. Unfortunately, many of the local doctors stopped accepting insurance for HRT due to the hassle involved with getting reimbursed once total testosterone goes over a certain level. If one doesn't mind a total testosterone in the 500s, most GPs will do this all day long. If one wants to get to the top end of the spectrum, most GPs aren't comfortable with going there and most insurance companies start to ask a lot of questions.