I have never heard of even lousy insurance being unwilling to pay for T and pdoc. They are considered different things. (Copays are a different issue and I understand that they add up).

I'd give it a shot. I'm biased though because meds really saved my life (although there were unfortunately a lot of failed meds until I found the right thing). I also tend to think most T's don't jump right to "meds are the answer." If they thought meds were the answer to everything, they would have been pdoc's! If your T is strongly suggests meds, it is worth looking into.

Good luck,
EJ