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HRT cost calculator

Choosing a provider fills in their published prices. You can edit any number.

Provider fees
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Medication, labs and visits
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Your estimate

Choose a provider or enter at least one cost.

Estimates only, not a quote. Provider prices change, and your clinician may prescribe something different from what you assume here. Nothing you type is sent anywhere — the calculator runs in your browser.

Not sure what your insurance covers? Ask us to check your benefits.

What the four numbers mean

Online HRT pricing is hard to compare because services bill differently. The calculator turns every plan into the same four figures:

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

Why billing dates matter more than the sticker price

A plan advertised at “$100 a month” and a plan billed “$100 every 28 days” look identical, but they are not. A year has 365 days, so a 28-day cycle bills you on day 0, 28, 56 … all the way 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 the other way: a higher or lower price for the first few payments changes what you pay in year one but not what you pay afterwards. That’s why the calculator shows the first year and the ongoing monthly cost separately.

What do online menopause providers charge?

These are the prices we load into the calculator, taken from the page you land on when you follow our link to each provider — the offer you would actually see. Where that page doesn’t show a cost, we say so rather than guess. Prices last reviewed October 2, 2026.

ProviderPublished priceMedicationInsuranceStatus
Nuvella by Direct Meds$197/mo, or $540 for first 3 months; $100 off nowIncluded (compounded)NoChecked via our partner link
HersPill from $79/mo, patch from $134/mo (12-month plan)IncludedNoCouldn’t verify — confirm at checkout
Inner Balance$199/mo for 6 months, then $99.50/moIncluded (cream)NoCouldn’t verify — confirm at checkout
Allara HealthSpecialist copay with insurance, or $149/mo withoutSeparate (pharmacy / your insurance)YesChecked via our partner link
Hone Health$65 to start, then $25 or $155/mo + medicationSeparate: transdermal estrogen $58–$80/mo, progesterone $49–$79/moNo (HSA/FSA yes)Checked via our partner link
Fem Excel$49 to start, then $99/mo + medication from $50/moSeparate: estradiol $50/mo, progesterone $50/moNoChecked via our partner link
EffectyTablet $55–$109/mo, cream $65–$125/mo, patch $99–$159/moIncluded (progesterone free)NoChecked via our partner link
GalaPills $69/mo ($207 every 12 weeks), patches $99/mo ($297 every 12 weeks)IncludedNoPartly shown — confirm at checkout
WinonaBody cream $89, estrogen patch $149 — per 28 daysIncluded in product priceNoChecked via our partner link

HRT.so earns 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 two separate bills

Most people paying for HRT pay for two different things: care (the clinician who evaluates you and writes the prescription) and medication (what the pharmacy dispenses). Some online services bundle the medication into one subscription; others charge for the visit and send the prescription to your own pharmacy, where your insurance may apply.

Bundled pricing is simple, but it usually can’t use your insurance’s pharmacy benefit. Separate pricing takes more steps, but generic estradiol and progesterone can be inexpensive when filled through insurance or a discount program. Delivery method matters too: pills are typically the least expensive, while patches, gels, sprays, and rings often cost more.

Will insurance actually pay for HRT?

For an insurance-covered prescription to cost what you expect, three things have to line up:

  1. The clinician is in network — many online menopause clinics are cash-only, so the visit itself may not be covered even when the medication is.
  2. The product is on your plan’s formulary — plans place drugs on tiers with different copays; generics usually sit on the lowest tier.[6]
  3. The pharmacy is in network — and your deductible status 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 plan has its own formulary.[5] If you want a definite answer for your plan, our team can check your benefits for you — we verify through authorized channels and send you a private report.

Can you pay with an HSA or FSA?

Generally yes. Prescription medications and payments to medical practitioners are qualified medical expenses under IRS rules, so HSA and FSA funds can usually be used for prescribed hormone therapy and the visits that go with it.[1] Keep itemized receipts and your prescription records; even if you pay with an HSA card, you may be asked to show the expense was for prescribed care. Supplements and non-prescription “hormone support” products usually don’t 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 don’t use it at all. If a provider requires labs that aren’t included, add them to the calculator — they can be one of the larger first-year costs.

When the price can change after you sign up

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

Compounded and FDA-approved HRT are priced differently

“Bioidentical” describes hormones that are chemically identical to those the body makes. Several FDA-approved products are bioidentical — including estradiol pills, patches, and gels, and micronized progesterone — and many are available as generics.[3] Compounded hormones are mixed by a pharmacy for an individual 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 comparing prices, compare like with like.

Before you sign up: a three-point checklist

  1. Check how your insurance treats the medication and whether you’ve met your deductible — or ask us to check.
  2. Confirm you meet the provider’s eligibility rules (age, state, insurance type) before you pay.
  3. Ask what you’ll pay in month seven, after any introductory pricing ends.

Frequently asked questions

How much does HRT cost per month?

It depends on two separate bills: what an online clinic or doctor charges for care, and what the medication costs at the pharmacy. Generic estradiol pills are often inexpensive with or without insurance, while patches, gels, and brand-name products cost more. Online clinics typically add a monthly or per-visit fee on top. Use the calculator above to add the pieces for your situation.

Why does a monthly price add up to more than 12 payments a year?

Some services bill every 28 days rather than once per calendar month. Twenty-eight days times 13 is 364, so you are charged 13 or 14 times in your first year instead of 12. The calculator counts actual billing dates for this reason.

Does insurance cover menopause hormone therapy?

Many plans cover FDA-approved estrogen and progesterone products on their drug formulary, often generics at the lowest tier. Coverage still depends on the specific product, your pharmacy, whether the prescribing clinician is in network, and how much of your deductible you have met. Compounded hormones are rarely covered. Our team can check your specific benefits for you.

Can I use my HSA or FSA to pay for HRT?

Prescription medications and medical care are generally qualified medical expenses under IRS rules, so HSA and FSA funds can usually pay for prescribed HRT and clinician visits. Keep receipts and prescription records in case you need to substantiate the expense. Check your plan administrator for specifics.

Do I need lab tests to start HRT?

Not always. Major guidelines say menopause can usually be diagnosed from age and symptoms in women over 45 without blood tests. Some providers still require or include labs, and lab fees can be a meaningful part of the first-year cost — check before you sign up.

Is compounded HRT cheaper?

Sometimes the upfront price looks lower, but compounded hormones are not FDA-approved, are usually not covered by insurance, and are often sold as part of a subscription. FDA-approved products — including bioidentical estradiol and micronized progesterone — are available as generics and may cost less with insurance.

Will my price change after I sign up?

It can. Introductory prices end, a dose or delivery method change can move you to a different price, adding progesterone or vaginal estrogen adds a product, and some services charge for annual renewal visits or labs. Ask what your seventh-month bill will be before you start.

Is this calculator a medical recommendation?

No. It estimates costs only. Which treatment is appropriate for you is a decision for you and a licensed clinician.

How we calculate

Recurring fees are counted on their actual billing dates, starting on day 0: monthly plans every 1/12 of a year, 28-day plans every 28 days. The first 90 days and first year include every charge whose billing date falls inside the window, with introductory prices applied to the first payments. Medication and other monthly costs are prorated by calendar months. Lab costs are counted at the start. Ongoing monthly cost is the regular price annualized and divided by 12. Unknown amounts are excluded from totals and listed next to them.

Sources

Medical, tax, and coverage facts on this page come from these sources. Provider prices come from each provider’s partner landing page, linked in the table above.

  1. 1.Publication 502: Medical and Dental Expenses. Internal Revenue Service.
  2. 2.Compounding and the FDA: Questions and Answers. U.S. Food and Drug Administration.
  3. 3.Hormone Therapy for Menopause. The Menopause Society.
  4. 4.Menopause: identification and management (NG23). National Institute for Health and Care Excellence.
  5. 5.Drug coverage (Part D). Medicare.gov.
  6. 6.Formulary (glossary). HealthCare.gov.

HRT.so is an independent educational resource and is not affiliated with the organizations cited above. Links are provided for verification and further reading. This content is not medical advice — always consult a qualified healthcare provider.