Affordable HRT - Covered by Insurance
- Peggy B. - Experienced HRT Patient Reviewer
- Oct 29
- 4 min read
Updated: Nov 2
When I first started on HRT, because my medications came from a compound pharmacy and were in a dose that was customized for me, they were not covered. Had the prescriptions came from a pharmacy, in a standard dose they would have.
The most affordable way to get Hormone Replacement Therapy is using your insurance or a GoodRx coupon code.
Does Health Insurance cover Hormone Replacement Therapy
Yes, most traditional prescription insurance plans cover bioidentical hormone replacement therapy. In order for coverage to kick in, you'll need a prescription from a doctor licensed in your state. The prescribed medications must be FDA approved ingredients and in a dose that has also been FDA approved. These type of products are available at your neighborhood pharmacy.
Any HRT medication that comes in a custom dose or is provided by a compound pharmacy will not be covered by prescription insurance plans.
How much is Bioidentical HRT for Women
When I was a patient/client of MyMenopauseRx and also of Midi Health, I was prescribed FDA approved HRT products that I picked up from my local CVS.
The cost of the meds, for a 90-day supply did vary from one pick-up to the next, which I've never really understood, but were similar in price. In each case I was prescribed the estradiol patch, progesterone tablets and then also estradiol vaginal cream or inserts.
The cost of all three meds for a three month supply ranged from $93 to $116 or about $31-38 per month. This cost of course didn't include the cost of my initial doctor consultation or any follow up visits for refills or dose adjustments. A doctor's prescription is required for HRT medications.
As a reference point, the same prescriptions from an online company like Winona or Alloy are $564 or $222 respectively, per 90-day supply for patches, progesterone tablets and estradiol vaginal cream or inserts. The difference? They don't take insurance and you are buying directly from Winona and Alloy. They don't charge for a doc consultation so they likely have to bury the cost to employ docs to review in-take forms and write the prescriptions in the cost of the meds.
This isn't a bad model. It offers the convenience of the medications being shipped directly to your door, no in-person/Zoom doctor visit or consultation required, but they can be a bit pricier than using insurance.
Cost Saving Tips when picking up Prescriptions at your local pharmacy
It's always good if you are a price shopper to compare the cost using your prescription insurance to the cost of using a GoodRx coupon code.
Once you have an understanding of what medications you are being prescribed and the dose, you can go online with GoodRx and compare their price to what you are being quoted from the pharmacy.
How to find a Doc that can and will prescribe HRT that comes from a pharmacy?
There are a few online HRT providers that offer to write HRT prescriptions and allow you to pick them up at your local pharmacy. I have personal experience with two of them. Midi Health and MyMenopauseRx.
What sets these two companies apart is truly the consultation, cost and follow up care. In both cases, I was very pleased with my care and the HRT plan they put together for me. It came down to cost, at least for me.
Midi Health charges $250 for the initial 30-minute consultation and then $125 for 15-minute follow up visits to adjust dose or request refills. If they accept your medical insurance, this consultation cost could be free or it could be the cost of you co-pay depending on where you are in the year with out of pocket deductibles, etc. Midi Health didn't take my insurance so $250 felt like a big number for a consultation.
MyMenopauseRx charges $99 for their self-pay option for initial 20-minute consultation and then $49 for "message" visits where you can request dose adjustments or refills. MyMenopauseRx takes medical insurance, but didn't take mine, so having the $99 self pay option for my consultation felt easier to digest.
Affordable HRT - Covered by Insurance
Over the past several years I've become a patient/client of six different online Hormone Replacement Therapy providers. Some accepted medical and prescription insurance and many didn't.
If we add together the cost of the HRT medications from CVS over the course of a year ($93x4) plus the cost of one initial consultation ($99 or less) and three message visits for dose adjustments and/or refills ($49x3) from MyMenopauseRx, the average monthly cost comes to $51.50 per month.
If you are solely looking for a practice that provides top-notch care which includes an HRT plan specifically for you, yet also allows you to pick up your prescriptions at your local pharmacy, my vote is MyMenopauseRx. Dr. Barbara Hanna and her team are all Menopause Society certified doctors who only write prescriptions for FDA approved Hormone Replacement Therapy medications.
MyMenopauseRx also treats many other symptoms, see their website for additional details.
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