The majority of doctors when TRT is concerned are idiots and say the darndest things which hints at a failure or purposeful ignorance within the medical community, in short generic testosterone cypionate (no patents) is dirt cheap to produce and investors are uninterested in shoveling money at hormones therapies in a world where prescription drugs (Viagra) dominate the pharmaceutical industry.
So the chances of you finding a knowledgeable doctor within your insurance network is slim to none, you may have to seek private care from someone who has been doing TRT for a long time.