Ranked by our published score

Online HRT programs that take insurance (2026)

Programs whose own pages say they accept insurance for visits. Medication coverage is a separate question, so check with your plan.

By Julian Caraulani · prices checked

3 of the 11 programs we track qualify. The highest scored is Found (from $40/mo).

#1 on this list, partner link · 8.9/10
Found, from $40/mo
Visit Found from $40/mo

Price checked Nov 2 · Medication included · No email needed

Takes insurance, ranked

Ranked by our published score. The last column says what qualifies each one, from its own page.

#ProgramFromVisit
1Found
Partner
8.9/10. Insurance: Yes, in-network for visits
$40/moVisit
2LifeMD Women's Health
6.4/10. Insurance: Some insurers accepted for visits
No all-in priceVisit
3PlushCare
6.1/10. Insurance: Yes (Aetna, Cigna, Humana and others)
No all-in priceVisit

Rows marked Partner earn us a commission; it never changes a score or a position. How we make money.

Each one, in detail

1

Found

Estrogen and progesterone with no membership fee, and visits billed to insurance if you have it.

No FDA warning letter found
8.9
How we score
From
$40/mo
Medication
Included
Drugs
Compounded
Insurance
Yes
  • No membership fee
  • Insurance can cover the visits
  • Clear with- and without-insurance prices
  • Products may be compounded; the page doesn't say which
  • Small menu: cream, oral progesterone, vaginal estrogen
  • HRT is new at Found; parts of the page are unfinished
Visit Found Full review

Lowest published plan: Vaginal estrogen cream alone, without insurance, $119 per 3-month supply. Checked 2026-11-02.

Is Found legit?

3

PlushCare

Online doctor visits that take insurance; prescriptions go to your own pharmacy.

No FDA warning letter found
6.1
How we score
From
See site
Medication
Extra
Drugs
FDA-approved
Insurance
Yes
  • Takes insurance for visits
  • All 50 states
  • FDA-approved prescriptions filled at your pharmacy
  • Medication and labs cost extra
  • Primary care doctors may refer complex cases out
  • $75 late-cancel or no-show fee
Visit PlushCare Full review

Is PlushCare legit?

Questions about this list

Which program is first on this list?

Found, ranked by published score at 8.9/10. That is Vaginal estrogen cream alone, without insurance, $119 per 3-month supply.

What is the lowest published price here?

$40/mo at Found (Vaginal estrogen cream alone, without insurance, $119 per 3-month supply).

How does a program get on this list?

Programs whose own pages say they accept insurance for visits. Medication coverage is a separate question, so check with your plan. Paused programs and programs nobody can order are left out, and a list with fewer than 2 qualifying programs is not published.

Do partner payments change this order?

No. The order is the published score. Found is first on that measure and also pays us a commission.

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