I feel your pain. When I first got prescribed AndroGel my insurance covered it. When I went for my third months supply I found out that I had maxed out my annual prescription coverage. I think cash price for AndroGel was about $250 for a 30day supply at 5mg/d I was at 7.5 and getting ready to be moved to 10. I simply could not go that route.
Here's some data: