If you asked them to test your levels is it because you don't feel well, or you just wanted it checked? If you don't feel right but your levels are normal then you still have an issue to address, your hormones just aren't the problem. Could be diet, exercise, or even actual depression.
I'm on HRT and have been for about a year at this point. I had some pretty significant energy and mood issues, amongst other things. I'm younger than you and had significantly lower readings. I've been on injections now for a year and I'm at normal levels which has improved how I feel. That being said its not a miracle tool, I would love to feel like I was 17 again energy wise, but getting to normal levels doesn't do that, I feel how I should in my 30s, that's the goal of the therapy.
If you have legit concerns the best thing to do is to see your PRP and then you can be referred to an endocrinologist. The notes about insurance not covering it are wrong. My insurance covers most of it, but I have blood tests to back it up. Those "mens clinics" will basically sell it to you, and good luck at getting any of it reimbursed by insurance. A lot of men can get influenced by the advertising and that is creating a false run on the doctors, which shouldn't prescribe you hormones if you're normal.
That being said it sucks to have to inject yourself once a week, the pain isn't the problem, its mental. I am still feel a lot of shame. Basically my wife knows I'm on it and that's it, its so embarrassing to me, but its a legit medical issue that I'm dealing with, and this is how I have to deal with it. Ignoring it is way worse than pride though.
There are other medications other than hormone injections, like Axiron, but at my levels my endocrinologist said its best to be on the real stuff.