I don't want to jump the gun and jump to assumptions either. The doctor seemed like a really nice guy, but when told we've got 2 options and one may not be covered, when I've read that lowt.com covers all of these things I am left a little confused and disappointed, because that's how every other man has been started off that I have seen. So, just at a tough spot. I'm still trying my best to research hcg monotherapy... still disappointed though. Not sure who I should call and talk with.