HRT cost calculator

What the four figures mean

Online HRT prices are hard to compare because every service bills a little differently. The calculator reduces each plan to the same four figures:

• Due at sign-up: the first charge plus any one-time consultation fee. This is what hits your card on day one.
• First 90 days: every charge in your first three months, plus labs and the first visit. Handy if you want to trial treatment before committing.
• First year: a realistic year-one total, including introductory prices and any extra billing cycles.
• Ongoing, per month: the steady average once introductory pricing ends, spread across calendar months.

Why billing dates matter more than the headline price

“$100 a month” and “$100 every 28 days” sound the same but are not. A year has 365 days, so a 28-day cycle charges you on day 0, 28, 56 and so on up to day 364: 14 charges in your first year, or $1,400 instead of $1,200. Over three months the 28-day plan bills four times where a monthly plan bills three.

Introductory pricing works differently: a higher or lower price on the first few payments changes year one but not what you pay afterwards. That is why the calculator shows the first year and the ongoing monthly cost separately.

What do online menopause providers charge?

These are the prices behind the calculator, read from the page you reach when you follow our link to each provider, so they reflect the offer you would actually see. Where a page shows no cost we say so instead of guessing. Prices last checked October 2, 2026.

We earn a commission from some providers listed here. Commissions never change the prices shown or how the calculator works. See our editorial policy.

Care fees and medication are usually separate bills

Paying for HRT usually means paying for two things: care (the clinician who assesses you and writes the prescription) and medication (what the pharmacy dispenses). Some online services roll medication into a single subscription. Others charge for the visit and send the prescription to your own pharmacy, where insurance may apply.

Bundled pricing is simple but usually cannot use your insurance pharmacy benefit. Separate pricing takes more steps, yet generic estradiol and progesterone can be cheap through insurance or a discount program. Delivery method matters as well: pills tend to be the least expensive, while patches, gels, sprays and rings often cost more.

Will insurance pay for HRT?

Three things have to line up for an insured prescription to cost what you expect:

1. The clinician is in network. Many online menopause clinics are cash-only, so the visit may not be covered even if the medication is.
2. The product is on your plan’s formulary. Plans sort drugs into tiers with different copays, and generics usually sit on the lowest.^[6]
3. The pharmacy is in network. Your deductible status then decides whether you pay a copay or the full negotiated price early in the year.

Medicare Part D plans cover many hormone therapy products, but each has its own formulary.^[5] For a definite answer on your plan, our team can check your benefits for you. We verify through authorised channels and send you a private report.

Can you pay with an HSA or FSA?

Usually, yes. Under IRS rules, prescription medicines and payments to medical practitioners are qualified medical expenses, so HSA and FSA funds can generally cover prescribed hormone therapy and its visits.^[1] Keep itemised receipts and prescription records, since you may be asked to show that an HSA-card purchase was for prescribed care. Supplements and over-the-counter “hormone support” products usually do not qualify.

Do you have to pay for lab work?

Not necessarily. Clinical guidelines say perimenopause and menopause can usually be diagnosed from age and symptoms in women over 45 without hormone blood tests.^[4] Some online providers include testing, some require it and some skip it. If a provider requires labs that are not included, add them to the calculator, because they can be one of the bigger year-one costs.

When your price can change after sign-up

• An introductory price ends after the first few payments.
• Your clinician changes your dose or delivery method, for example from pill to patch.
• A second product is added, such as progesterone if you have a uterus, or vaginal estrogen.
• Labs, shipping or follow-up visits are billed separately.
• An annual renewal visit is needed to keep your prescription active.

Compounded and FDA-approved HRT are priced differently

“Bioidentical” means chemically identical to the hormones your body makes. Several FDA-approved products are bioidentical, including estradiol pills, patches and gels and micronised progesterone, and many come as generics.^[3] Compounded hormones are mixed by a pharmacy for one prescription. They are not FDA-approved, are not reviewed for safety and effectiveness the way approved products are, and are rarely covered by insurance.^[2] When you compare prices, compare like with like.

Frequently asked questions