To be honest, anything short of really talking to your doctor and going through insurance will be a waste when it comes to legitimate boost to your test levels. I'm not sure what prices you're looking at, but OTC supps aren't really going to give you the results you're looking for and therefore won't be worth the cost savings.
Supplement wise, if you were going to use it for the sake of raising test levels, you're looking at $40-50/mo at least and really not really seeing anything out of it. With insurance, I'm not sure what actual prescribed TRT costs, but if it's more than $40-50/mo, it is at least worth it because it will 100% affect your levels.