Just to chime in....
My insurance covered my labwork. Most do under the once a year preventative checkup. However, many places have a different range of what they deem as normal in regards to test. My doc had the range from 275-800 something, where I've seen others upwards of 1000. With that said, I found the online "clinics" to be more lenient in their TRT. My initial doctor spoke about low dose shots every 2 weeks. I'm prescribed significantly more through the online doc I went with. It's still legit, and since most insurance doesn't cover the actual treatment regimine, it may be a route you want to explore. Just my 2. Best of luck.