The clinic I use is for people who are financially disadvantaged and costs almost nothing for the visits and blood work. The T I have been paying for out of pocket--anywhere from $50-60 for a ten-cc vial.
But with my insurance, a visit to my family doctor involves a simple co-pay, so I wouldn't be paying much more than I do at the clinic. I'm not sure how much my pharmacy co-pay is, but it must be cheaper than the T usually costs. I plan to have my insurance cover the T from now on.
Seriously, I hate the clinic. The scheduling does not fit my schedule well--I have nights free only a few weeks a year and have to plan my appointments carefully during those times. The wait time is unacceptable even when I have an appointment. I rarely get to see the same doctor I saw the time before, and I'm subjected to scare tactics on a regular basis. In addition, the clinic refuses to code us as male. That's a real slap in the face that causes me a great deal of dysphoria despite my best efforts.
My GP is awesome and worth a little extra money. He didn't bat an eyelash when I came out to him. He is very supportive and personable. He personally saw to it that his medical group classified me as male, and then he even left me a message to tell me that he had taken care of it.
But it really depends on what your insurance will cover.