Must read --> http://tnation.T-Nation.com/free_online_forum/sports_training_performance_bodybuilding_trt/prototype_advice_for_new_guys
Clinics often will not take insurance and when they sell you the drugs, the costs can be very high.
In any case, you need a doc and lab work. Least cost is doing this via a GP who writes scrips.
10mg T cyp at Sam's club with a business membership $42 - elsewhere 100-120
10,000iu hCG 100-140
100 insulin syringes $12 at Walmart [rely-on house brand]
The drugs and syringes are cheap. Labs can be expensive. You can do your own labs too.
Note that the biggest problem with men's hormone care is doctors. Most are stupid or ignorant. Many will do nothing, many will diagnose depression and put you on SSRIs that will trash your libido and lower your T levels and many of the docs that will do TRT are dangerous.
Read the stickies and find some other guys' posts that seem to be addressing problems similar to your own and note what goes on in their threads.