Clinic or Health insurance : what is smarter option ?

[isenhart8]

Hello,

I am in late 30s and got a blood work showing low total testosterone (220 ) at noon , repeated in the early morning and got 330 total ( technically normal ) but free test at 7 pg/mL (low) . LH and FSH above range . All other values were fine. My primary care referred me to a endocrinologist.

Given my values and my symptoms ( decreased libido, lack of concentration in the afternoon that is affecting seriously my capability to perform at work , lack of energy during the day for which I can’t find energy to train , sense of depression , accumulating body weight despite controlling calories intake ) I am pretty confident I can find a doctor to prescribe me TRT. But I am considering if it is worth going trough the insurance and the doctor or just sign up for a HRT clinic. Reasons : I have 2K deductible to my health insurance plan, I am not sure if the doctor is expert in making a good protocol for TRT , I have heard people that got much higher life insurance premiums or not qualified at all because TRT medical records, I can mitigate cost of clinic by getting some refills by myself.

What’s your opinion and suggestion for me ?

 

[Rido]

Insurance covered will handle the insurance ran clinic. Will do the minimum.

Trt clinic will optimize you.

I'd rather be optimal

 

[Bangdangmang]

Insurance will pay once you jump a fuck ton of hoops, then you’ll find out GoodRX is cheaper anyways.

 

[cypressclue]

I believe it is a smart idea. I do not know if it saves them money per se but it is a smart idea in many ways. It should remove the issues of whether something is covered or not so should lower stress for the patient. They can certainly better control costs and as a huge concern can get volume discounts that should enable them to be profitable. I see they have Urgent Care, surgery, pharmacies, and more so pretty close to comprehensive care.
I know Banner Medical tries to offer everything though they don’t have their own insurance company; they do something that disturbs me though in that if you work for them as a doctor you can’t take other insurance from what I was told by my insurance agent. I think that is an issue.
I like maximum freedom for everyone and it is entirely doable to have a true free market in health care, but people keep wanting to have some overarching control by some group: the government, a big insurer, it just does not make sense to me.

 

[Avies48]

Depends on the state u reside in, texas has a very very good clinic shit is super affordable called way2well

 

[cypressclue]

Insurance will pay once you jump a fuck ton of hoops, then you’ll find out GoodRX is cheaper anyways.

Do they provide hand to hands with prescription raws? Yeah. I don’t do online transactions.

 

[Bangdangmang]

Do they provide hand to hands with prescription raws? Yeah. I don’t do online transactions.

I mean; I was using some hyperbole, but insurance will most likely require a pre-authorization that will only last a year. The requirements for the pre-auth is a prostate check and other shit. Then, once you do all their bullshit, depending on your insurance co-pay, you might end up with a higher price after insurance than just using GoodRX.

If you’re GP gives you a prescription you get your test from a pharmacy. I am just speaking on the modes of payment. Once you have the script.

 

[SenorSuperdrol]

Depends on the state u reside in, texas has a very very good clinic shit is super affordable called way2well

The ways2well guy was on Rogan.

 

[Rido]

I mean; I was using some hyperbole, but insurance will most likely require a pre-authorization that will only last a year. The requirements for the pre-auth is a prostate check and other shit. Then, once you do all their bullshit, depending on your insurance co-pay, you might end up with a higher price after insurance than just using GoodRX.

If you’re GP gives you a prescription you get your test from a pharmacy. I am just speaking on the modes of payment. Once you have the script.

The dosing is the biggest problem imo

 

[shartking]

I got a scrip from my doc no problem. It probably helps that I'm older. The dose is way too low, of course. I just keep the scrip so everything looks legit. Also, I can bring a few vials with me when I travel and not get hassled.