Insurance and cash prices

Does insurance cover HRT?

Your plan may pay for the visit or the prescription. Online program fees are a different story. Here is what each insurer publishes, what each program says, and the cash price if the answer is no.

By Julian Caraulani · prices checked

3 of the 10 online programs we track say they take insurance, at least in part: Found, LifeMD Women's Health and PlushCare. 5 say they do not, and 2 do not give a clear yes or no on their own pages. Your own doctor billing your plan is a separate route, and each insurer's rules are in the guides below.

Pick your insurer

Each guide reads that insurer's own published documents and links them.

CignaDoes Cigna cover hormone therapy for menopause? What Cigna's own step therapy and quantity policies say about patches, gel and pellets, plus the cash fallback.MedicareDoes Medicare cover hormone replacement therapy? How Part D treats estradiol, telehealth visit costs, which online programs refuse Medicare, and the cash fallback.

If your plan says no: the cash price

The lowest published price for estrogen therapy, read on each program's own site. Check the note under each one for labs or visit fees.

Lowest cash price, partner link · 9.2/10
Winona, from $54/mo
Visit Winona from $54/mo

Price checked Nov 5 · Cancel anytime · Medication included · No email needed

See every estrogen therapy price, cheapest first. Or the programs that take insurance.

What each program says

In its own words, from its own site. The price is its lowest published all-in plan for estrogen therapy.

ProgramCash fromVisit
Found
Yes, at least in part. Yes, in-network for visits. 8.9/10
$89/moVisit
LifeMD Women's Health
Yes, at least in part. Some insurers accepted for visits. 6.4/10
No all-in priceVisit
PlushCare
Yes, at least in part. Yes (Aetna, Cigna, Humana and others). 6.1/10
No all-in priceVisit
Winona
No. No. 9.2/10
$54/moVisit
Gala Health
No. No (cash pay). 8.5/10
$69/moVisit
Hone Health
No. No (HSA/FSA accepted). 7.1/10
$213/moVisit
Ivim Health
No. No. 7.0/10
$104/moVisit
Sesame
No. No (superbills for HSA/FSA). 6.6/10
No all-in priceVisit
Inner Balance
No clear answer. Unclear. 6.2/10
$199/moVisit
Lemonaid Health
No clear answer. Not stated. 5.7/10
No all-in priceVisit

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Questions people ask

Do online HRT programs take insurance?

Some do, at least in part: Found (Yes, in-network for visits), LifeMD Women's Health (Some insurers accepted for visits) and PlushCare (Yes (Aetna, Cigna, Humana and others)). Most of the 10 programs we track are cash pay.

What does estrogen (patch, gel or pill) cost without insurance?

The lowest published price we track is $54/mo at Winona (Estrogen tablets (estradiol), auto-refill, 30 or 90-day supply). Check each program's listed labs and visit fees too.

Can I use an HSA or FSA?

Hone Health and Sesame mention HSA or FSA on their own pages. Check with your plan administrator too.

Where do these answers come from?

Each program's stance is read from its own site. Each insurer's rules come from that insurer's published documents, cited in its guide. Your own plan document decides the final answer.

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