Maybe insurance. I don’t think T is on any insurance company radar. It’s cheap from a pharmacy. Doctor visits themselves depend on insurance coverage. I’ve never had a doc say don’t see me because insurance won’t cover.I think a big part of that is the justification they have to do with insurance.
My perspective, until you find a doctor with a different T perspective, they follow the guidelines. Guidelines for men’s T should roughly be 300-850ish level. If you test low but within the guidelines, they tell you you’re fine. Wanting to be closer to 800 than 300 gets no reaction.