HRT cost calculator

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.

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.

Frequently asked questions