Menopause HRT Without Insurance: What Every Program Charges (2026)
What online menopause hormone therapy costs when you pay cash: each program's lowest published all-in plan, next to what its own site says about insurance.
By Julian Caraulani, reviewed by Dr. A. Goher, MBBS · prices checked
Winona: from $39/mo, Progesterone capsules
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Menopause HRT without insurance: from $39/month at Winona, up to $213/month, across the 6 programs whose published plans match; the median is $86.50/month. These are cash prices: what you pay with no insurance involved. Every price is read on the program's own site with required charges added (October 29, 2026).
Price snapshot: lowest all-in
Menopause HRT without insurance: Price at a Glance
Each program's lowest published all-in monthly price for menopause HRT without insurance as of October 29, 2026. The lowest price billed month to month is $69 at Gala Health. See our methodology.
Menopause HRT without insurance: 6 Programs, Cheapest First
The lowest matching all-in plan on each program's own site, checked October 29, 2026.
| # | Provider | Monthly price | Meds included? | Consultation fee | Type | Score | Visit |
|---|---|---|---|---|---|---|---|
| 1 | WinonaPick Progesterone capsules · auto-refill, 30 or 90-day supply | $39/mosource, 2026-10-26 | Yes | Free initial visit (online intake) | FDA-approved + compounded | 9.2 | Visit |
| 2 | Found Vaginal estrogen cream alone, without insurance · $119 per 3-month supply | $40/mosource, 2026-10-26 | Yes | Included without insurance; billed to insurance with it | Compounded | 8.9 | Visit |
| 3 | Gala Health Menopause program · monthly subscription | $69/mosource, 2026-10-26 | Yes | Free online assessment | FDA-approved | 8.5 | Visit |
| 4 | Ivim HealthFDA letter Membership + estradiol tablet · monthly | $104/mosource, 2026-10-26 | Yes | Included in the membership | Compounded | 7.0 | Visit |
| 5 | Inner Balance Oestra, first 6 months · 90-day supply every 90 days | $199/mosource, 2026-10-26 | Yes | Included | Compounded | 6.2 | Visit |
| 6 | Hone Health Women's Premium + estradiol gel · monthly, month to month | $213/mosource, 2026-10-26 | Yes | Included with Premium | FDA-approved + compounded | 7.1 | Visit |
Every Matching Plan
Every plan the programs publish for menopause HRT without insurance, cheapest first, with what it includes and where we read it.
| Program and plan | Monthly cost | Billing | What it includes |
|---|---|---|---|
| PlushCare Membership + self-pay visit · Estrogen (patch, gel or pill) | $19.99/mo plus add-ons | monthly membership | Plus $129 per first visit and pharmacy cost source, 2026-10-26 |
| Ivim Health Estradiol tablet · Compounded bioidentical (BHRT) | $29/mo plus add-ons | monthly, starting price | Requires the $74.99/month membership source, 2026-10-26 |
| Winona Progesterone capsules · Progesterone | $39/mo | auto-refill, 30 or 90-day supply | Visit, follow-ups, messaging and shipping source, 2026-10-26 |
| Found Vaginal estrogen cream alone, without insurance · Vaginal estrogen | $40/mo | $119 per 3-month supply | Not stated source, 2026-10-26 |
| Lemonaid Health Menopause membership · Estrogen (patch, gel or pill) | $48.33/mo plus add-ons | $145 every 3 months, auto-renews | Unlimited visits with the medical team; medication billed separately source, 2026-10-26 |
| Winona Estrogen tablets (estradiol) · Estrogen (patch, gel or pill) | $54/mo | auto-refill, 30 or 90-day supply | FDA-approved; visit and shipping included source, 2026-10-26 |
| Sesame Menopause subscription · Estrogen (patch, gel or pill) | $59/mo plus add-ons | monthly | Video visits and messaging; medication paid at the pharmacy source, 2026-10-26 |
| Gala Health Menopause program · Estrogen (patch, gel or pill) | $69/mo | monthly subscription | Clinician review, medication and shipping in one price source, 2026-10-26 |
| LifeMD Women's Health Women's Health Program · Estrogen (patch, gel or pill) | $79/mo plus add-ons | monthly, auto-renews | Monthly consultations and messaging; medication billed separately source, 2026-10-26 |
| Winona Estrogen body cream with progesterone · Compounded bioidentical (BHRT) | $89/mo | auto-refill | Compounded in Winona's own pharmacy source, 2026-10-26 |
| Winona Vaginal estrogen cream · Vaginal estrogen | $89/mo | refilled on request | Compounded source, 2026-10-26 |
| Found Estrogen or progesterone alone, without insurance · Estrogen (patch, gel or pill) | $89/mo | monthly | Visits, medication and shipping source, 2026-10-26 |
| Inner Balance Oestra, after 6 months · Compounded bioidentical (BHRT) | $99.50/mo plus add-ons | 90-day supply | Only after the first 6 months at $199 source, 2026-10-26 |
| Ivim Health Membership + estradiol tablet · Compounded bioidentical (BHRT) | $104/mo | monthly | $74.99 membership plus estradiol from $29 source, 2026-10-26 |
| Found Estrogen + progesterone, without insurance · Estrogen (patch, gel or pill) | $119/mo | monthly, no membership | Everything included source, 2026-10-26 |
| Winona Estrogen patch · Estrogen (patch, gel or pill) | $149/mo | auto-refill | FDA-approved source, 2026-10-26 |
| Hone Health Women's Premium membership · Estrogen (patch, gel or pill) | $155/mo plus add-ons | monthly | Quarterly labs and physician consults; medication extra source, 2026-10-26 |
| Inner Balance Oestra, first 6 months · Compounded bioidentical (BHRT) | $199/mo | 90-day supply every 90 days | Doctor visits and follow-up source, 2026-10-26 |
| Hone Health Women's Premium + estradiol gel · Estrogen (patch, gel or pill) | $213/mo | monthly, month to month | $155 membership (labs, consults) plus $58 estradiol gel; $65 first lab test source, 2026-10-26 |
Does Insurance Cover Any of These Programs?
What each program's own site says about insurance, next to its lowest cash price.
How We Verify These Prices
A plan counts on this page only when its own published name, contents or page match menopause HRT without insurance. Every price is read from the program's pricing page, linked with the date we read it, and tracked in the HRT Watchdog Price Index. We earn a commission when you sign up through some links, which plays no part in the order; see our affiliate disclosure.
Menopause HRT without insurance: Frequently Asked Questions
What is the monthly price of menopause HRT without insurance?
From $39 a month at Winona (Progesterone capsules, auto-refill, 30 or 90-day supply), up to $213 at Hone Health, across the 6 programs whose published plans match. Each price is read on the program's own site with required charges added.
What is the cheapest option without prepaying?
Gala Health at $69 a month, billed monthly (Menopause program). Lower monthly figures usually need a prepaid plan.
Which option includes the medication in the price?
Winona includes the medication in its $39 monthly price. Its plan lists: Visit, follow-ups, messaging and shipping.
Do any of these programs take insurance?
Found (Yes, in-network for visits). The rest are self-pay; the prices on this page are what you pay without insurance.
Can I use an HSA or FSA?
Hone Health says HSA or FSA payment is accepted. For the others, ask before you pay; their sites do not say.
What else can I be charged?
Labs, a membership on top of the medication, a first consultation and shipping are the usual extras. The tables on this page add every required charge we found; where a program leaves one out, its plan line says so.
Where do these prices come from?
From each program's own pricing page, linked next to every price with the date we read it (most recently October 26, 2026). We never estimate a price a program does not publish.
Start With the Lowest Price
Winona has the lowest matching all-in plan we found. A clinician decides whether treatment is right for you.
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Disclaimer: HRT Watchdog is for information only and is not medical advice. Hormone therapy has benefits and risks; talk to a licensed clinician about whether it is right for you. Prices change often; confirm the current price at checkout.