Last updated: September 21, 2026Trustpilot 4.8/5 (~4,200 reviews) — third-party rating, not our score
Quick Facts
Care modelTelehealth nationwide, plus in-person concierge visits at HQ
HeadquartersTampa, FL
Medical directorDr. Justin Saya, leading a team of physicians and providers
Founded⚠️ Reports conflict — some sources cite 1998; Defy's own materials describe roughly a decade-plus of operation (since ~2013)
Initial consultation$250, one-time
Follow-up consultations$100–150 per visit, typically 2–4/year
LabsComprehensive male hormone panel: $250–500 per draw; 2–3 draws typical in year one
Medication$50–120 per 10 mL vial of testosterone cypionate (200 mg/mL) via pharmacy partners
BillingPay-as-you-go — no subscription, no membership, no contract
InsuranceInsurance not accepted (Defy's terms say it does not accept insurance of any kind); it provides a superbill or receipts for possible out-of-network reimbursement (a fee may apply). Its FAQ says you may be able to use HSA/FSA funds (check with your account provider); we found no statement that HSA/FSA cards are accepted at checkout
State availability49 states — all except Mississippi
3.9/5
Atlas Score
Scored September 30, 2026 against five published criteria
Medical safeguards30%5Baseline labs before prescribing, repeat labs at follow-ups, provider consultations
Pricing transparency25%3Company publishes only an average cost (under $175/mo in year one); no per-item consult, lab, or vial prices found; no surprise-fee pattern
Reputation20%4Trustpilot 4.8 (~4,200 reviews); no regulatory actions found
Customer terms10%3.5No subscription; published refund and account-credit policy; insurance not accepted; FAQ says HSA/FSA funds may be usable but no checkout acceptance stated
Patient reviews: Trustpilot 4.8 (about 4,200 reviews). Third-party ratings, not verified by us. How they count
Defy Medical is a physician-led concierge telehealth clinic based in Tampa, FL, positioned as one of the longer-running names in online hormone therapy. The practice is led by medical director Dr. Justin Saya, with a team of providers covering testosterone replacement, bioidentical hormone therapy, sexual health, thyroid therapy, and peptide therapy alongside TRT.
What sets Defy apart structurally is its fully à la carte, pay-as-you-go billing: there's no monthly membership or bundled annual fee. Instead, patients pay separately for each consultation, each lab draw, and each vial of medication — a model the company says keeps patients from being locked into contracts, but one that also makes total cost less predictable upfront than flat-fee competitors.
Defy's own cost page (checked October 23, 2026) says its average male TRT patient pays under $175/month in the first year and around $125/month after that, including testosterone, a weekly aromatase inhibitor, lab work, and consultations. Defy calls this an illustrative estimate, not a price guarantee. Earlier versions of this page cited under $250 and $200 a month; we could not find those figures on Defy's site. The most consistent criticism across reviews is the cost of labs specifically — several patients describe per-draw lab pricing as high relative to budget telehealth competitors that bundle testing into a flat rate.
How It Works
Initial consultation ($250, one-time) — a provider reviews your symptoms and history and orders baseline labs.
Comprehensive male hormone panel ($250–500 per draw) — bloodwork covering testosterone and related hormone markers.
Physician review — your provider evaluates labs and, if appropriate, writes a personalized prescription.
Medication ships from Defy's pharmacy partners; testosterone cypionate is priced per 10 mL vial ($50–120).
Follow-up visits (2–4 per year, $100–150 each) — dose adjustments based on repeat labs.
Pricing: The Full Breakdown
Defy Medical bills each component separately rather than bundling into one fee — the itemized figures below come from patient reports and earlier company materials; we could not find them on Defy's current pages (checked October 23, 2026), so get a written quote before enrolling.
Item
Cost
Initial consultation (one-time)
$250
Follow-up consultation
$100–150/visit
Comprehensive male hormone panel (per draw)
$250–500
Testosterone cypionate 200 mg/mL (10 mL vial)
$50–120
Lab costs are the most commonly cited complaint in patient reviews — some describe per-draw pricing as comparable to "a mortgage payment" next to flat-fee competitors. Get a specific quote for your panel before enrolling.
True first-year cost
Component
Cost
Initial consultation
$250
Initial + follow-up labs (2–3 draws)
$500–1,500
Medication (~4–5 vials/year)
$250–600
Follow-up consultations (2–4/year)
$200–600
Year 1 total (Defy's own published average; the rows above are itemized estimates)
Under $175/mo (~$2,100/yr)
Defy says this average drops to around $125/month (~$1,500/year) after year one, as lab frequency typically decreases once dosing stabilizes. Our itemized rows above add up to roughly $1,200–$2,950 for year one, so the two views overlap but are not the same. Because pricing is itemized rather than bundled, your actual total depends heavily on how many labs and follow-ups your specific protocol requires — ask for a written estimate before starting.
What's Included vs. Extra
Included in each fee
Consultation fee covers that visit's physician time and prescription review
Lab fee covers the draw and panel analysis
Medication price covers the vial and standard shipping
Nothing is bundled
No flat monthly or annual membership fee
Consultations, labs, and medication are billed as separate line items every time
Insurance is not accepted (HSA/FSA funds may be usable; check with your account provider)
How billing works: Defy Medical does not use a subscription model — there's no membership to cancel, and patients only pay for services they actually use. Refunds: a full refund to your original payment method is available within 90 days of purchase; between 91 and 180 days, Defy issues store credit instead, minus a $25 processing fee.
Pros
✓Longest track record among the well-known telehealth TRT names, with a physician-led team headed by medical director Dr. Justin Saya.
✓No subscription or contract — purely pay-as-you-go, so you can stop at any time by simply not booking another visit.
✓Defy's own published average cost is competitive: under $175/mo in year one and around $125/mo after, once dosing stabilizes (an illustrative estimate, not a guarantee).
✓Defy provides a superbill or receipts you can submit for possible out-of-network reimbursement, and its FAQ says you may be able to use HSA/FSA funds (check with your account provider).
✓Clear, published refund policy — full refund within 90 days, store credit (minus a small fee) through day 180.
Cons
✕Fully à la carte pricing makes total cost harder to predict upfront than flat-membership competitors.
✕Lab costs are the most common complaint — per-draw pricing ($250–500) runs high next to bundled-fee competitors.
✕Follow-up visits are billed per consultation ($100–150 each), unlike providers with unlimited follow-ups included.
✕Sources disagree on the company's founding date (1998 vs. roughly 2013), making its exact track record hard to pin down precisely.
✕Insurance isn't billed directly — you'll need to self-file with your insurer using Defy's documentation.
✕Refunds requested 91–180 days out come back as store credit, not cash, minus a $25 processing fee.
State Availability
Defy treats patients by telehealth in 49 states — every state except Mississippi — plus an in-person option at its Tampa, FL office.
FAQs
How much does Defy Medical cost?
Defy bills each visit, lab, and vial separately rather than one flat fee. The company's own published average is under $175/month in year one (medication, a weekly aromatase inhibitor, labs, and consultations combined), dropping to around $125/month after year one; Defy calls this illustrative, not a guarantee.
Does Defy Medical accept insurance?
No. Defy does not accept insurance of any kind. It can provide a superbill or receipts you can submit to your insurer for possible out-of-network reimbursement, and its FAQ says you may be able to use HSA/FSA funds (check with your account provider). We found no statement that HSA/FSA cards are accepted at checkout.
Does Defy offer a subscription or membership?
No. There's no membership or contract — you pay for each consultation, lab, and medication order as you go.
What's Defy Medical's refund policy?
Full refund to your original payment method within 90 days of purchase. Between 91 and 180 days, refunds are issued as Defy Medical store credit, minus a $25 processing fee.
Who is Defy Medical's medical director?
Dr. Justin Saya leads Defy's team of physicians and providers, who specialize in hormone restoration and integrative wellness therapies.
Is Defy Medical available in person?
Yes — in addition to nationwide telehealth, Defy offers in-person concierge visits at its Tampa, FL headquarters.
What other treatments does Defy Medical offer?
Beyond TRT, Defy offers bioidentical hormone replacement therapy, sexual health and ED treatments, thyroid therapy, and peptide therapy.
Before you pay any TRT provider, know what to ask. Our printable TRT Checklist has 11 questions to ask any provider, the baseline and follow-up labs a careful provider should order, and a worksheet for the true first-year cost, which is often very different from the advertised monthly price. It's sent when you join the free Monday briefing: FDA, DEA, FTC, and telehealth changes that affect men's health, one email a week.
Medical disclaimer: This content is for informational purposes only and is not medical advice. Testosterone replacement therapy requires a prescription and physician supervision. Always consult a qualified healthcare professional before starting treatment.