I know how you feel, sometimes healthcare can let you down- and their reference ranges are nonsense and I've been complaining about that for years, because IMO average should be measured using only healthy peoples samples not just everyone-

I'm not sure if you saying that if prove that your tt is low you'll get cover? Because that can be done, if they want to play dirty we can play dirty as well...
Also not quite sure if you want to try clomid restart or clomid as TRT or you want to continue TRT as it was? Think about all options.
At the end of the day its your life, and you have right to choose your path- so whatever your choice is you should go for it.
Any questions, feel free to ask- we are here to help each other.