HRT Cost & Insurance Guide
What to expect to pay for telehealth HRT and how to maximize your insurance
Consultation
$0-$200
Initial visit with provider
Monthly Medication
$20-$150
Generic to bioidentical hormones
Annual Monitoring
$100-$500
Follow-up visits & lab work
Provider Pricing Comparison
| Provider | Consultation | Monthly Cost | Insurance | HSA/FSA |
|---|---|---|---|---|
| Nuvella by Direct Meds | included | From $97 (90-day all-inclusive plan, $100 off) | - | - |
| Hers | $99 | $30-$100/month | ✓ | ✓ |
| Inner Balance | included | $199/month (first 6 months), then $99.50/month | - | ✓ |
| Allara Health | included | Varies by insurance | ✓ | ✓ |
| Hone Health | included in testing | $65+/month | - | ✓ |
| Fem Excel | $29 | Included in membership | - | ✓ |
| Effecty | included | $55-$105/month | - | ✓ |
| Gala | included | $79/month | - | ✓ |
| Winona | free | $20-$80/month | - | ✓ |
How to Get HRT Covered by Insurance
- 1.Check if your insurance covers telehealth menopause care in your state
- 2.Verify if your chosen provider is in-network with your plan
- 3.Get a prescription from your primary care doctor first (required by some plans)
- 4.Ask about prior authorization requirements for specific hormone types
- 5.Use a pharmacy that accepts your insurance for filled prescriptions
HSA & FSA Eligibility
Both Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) can be used for HRT:
- ✓ Telehealth consultations
- ✓ Prescription medications
- ✓ Lab testing and blood work
- ✓ Follow-up monitoring visits
Common Questions
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