I have Blue Cross/Blue Shield through work, and after jumping through many hoops and trying different angles, my doc has found what she believes to be a way to get them to pay for T. Not just injections, but gel or cream if I prefer.
There are studies out there that link hormone imbalances to migraines, and I am flat ate up with the migraines. (For those of you who may not speak 'Southern'...I have debilitating migraines usually once a month that last up to 72 hours) Seems that low levels of T in women (which my doc classifies as less than 80.....and the "normal" range for females runs to about 100 she tells me) can be a big factor in migraines because when the E levels drop as the body preps for shark week...there is not enough of the T to provide hormone function for the brain. And boom....here comes the three days of pure hell.
I have been on every migraine med they can think of. Yeah some work ok, and depending on when I catch the migraine (waking up with it already raging versus being awake and able to feel it coming on) I can either kill it completely withing about 8 hours or at least not be quite such a vegetable for 3 days.
So after a few phone calls and submitting some reports from the NIH (Nation Institutes of Health), my insurance company is going to cover the T on what they are calling a "trial" basis. If it has a positive effect on the migraines (which come on......like I'm going to tell them otherwise? LOL ) They will continue to cover it......in any form. They haven't set any limit on dosage, so that makes the doc and I both happy.
I know this may not apply to many other guys, but if you DO have migraines...it may be an "in" with an insurance plan that otherwise would leave you paying for T out of pocket entirely.....