Find your all-in online HRT price in 30 seconds

Top-scored is Winona (8.4/10): compounded bioidentical HRT on a true $0-consult model from $54 per 28-day cycle, covering medication, consults, follow-ups and shipping, with ~6,000 Trustpilot reviews at ~4.7. For FDA-approved (not compounded) generics from named clinicians you can fill on your own insurance, Sesame Care (7.6/10) is the value alternative, though it is a general marketplace rather than a menopause specialist. Hone Health (7.5/10) is the labs-first option and the one whose pricing needs reading twice: women's Premium is $155/mo plus medication; Basic at $25/mo excludes hormones. Winona and Sesame Care are both affiliate partners, ranked at their earned scores, and affiliate status is excluded from the score entirely. Midi bills participating commercial insurance. Confirm your state, plan and cost sharing before booking.

Verified August 2026: the cheapest all-in route on our women's wing is Winona at $54 per 28-day cycle with a $0 consult, which covers the medication, consults, follow-ups and shipping, on a 28-day billing cycle that puts 13.04 charges in a year rather than 12. Hone women's Premium is $155/mo plus medication and a $65 initial test; Basic at $25/mo excludes hormones. Watch the framing on every other headline number: Hone women's Premium is $155/mo before medication, Gala advertises $79/mo but bills $237 every 12 weeks, which works out to $85.82 a month, Sesame is a per-visit marketplace where FDA-approved generic estradiol goes to your own pharmacy (the exact drug price we could not verify this pass), and Wisp's $99 buys the consult alone with the hormones billed separately by your own pharmacy.

Most commercial plans cover FDA-approved HRT medications (generic estradiol, micronized progesterone), often with step-therapy rules; compounded bioidentical HRT is almost never covered. None of the platforms we currently track bill commercial insurance directly. All of them are cash-pay, and several are HSA/FSA eligible. The way to use insurance on a cash-pay platform is to fill an FDA-approved prescription at your own pharmacy on your plan's formulary, which is exactly what Sesame's FDA-approved generics and Wisp's local-pharmacy routing are built for.

Our A-F grade for what a provider discloses BEFORE you hand over an email address, separate from the 0-10 quality score. Five criteria: pricing disclosed pre-intake, named clinicians with credentials, published cancellation policy, corporate disclosure, and third-party review accessibility. Current spread across the 10 providers we track: 4 B (Midi Health, Winona, Sesame Care, Wisp), 4 C (Hone Health, Gala Health, PeterMD, MangoRx), 2 D (Hers Menopause, Maximus). The grade moves independently of the score, which is the point of having it: a platform can deliver good care and still refuse to tell you what it charges until you are inside the funnel.

In November 2025 the FDA began removing black-box warnings (for cardiovascular disease, breast cancer, and dementia) from menopausal hormone therapy products, with labeling changes approved in February 2026, and demand surged. Estrogen-patch prescriptions are up 184% since 2018 (Truveta). Multiple estradiol patch products from Amneal, Zydus, Sandoz, Noven and Viatris are now on the ASHP shortage list (including Amneal's Dotti), though the FDA has not added estradiol patches to its own shortage database. Gel, spray, and pill alternatives are not in shortage; our live tracker shows which providers can switch you.

Yes. A clearly-labeled second wing at /trt covers 4 TRT clinics under the same methodology and transparency grading. The short version: men's Plus at Hone is $135/mo before medication; its $25 Basic plan excludes hormone therapy. Highest-scored is Hone Health (7.5/10), the labs-first platform with the largest verified review base in the category; the cheapest flat monthly is MangoRx at $99/mo covering visits, consultations and medication, with labs billed on top at $75 or $100, which makes month one $174 to $199 (a broad men's-health platform, not a TRT specialist).

A 0-10 score on fixed weights (cost 25%, formulary 20%, clinical depth 20%, patient experience 20%, transparency 15%) plus a separate A-F Transparency Grade. Two hard rules: affiliate status is excluded from score computation, and any provider with an unanswered BBB F rating is capped at 7.0 no matter how good the rest looks. Every price carries a Verified or Reported status label with the verification date.

We earn commissions when readers sign up with some of the platforms listed, disclosed on every page. Our score is methodology-driven, never adjusted for affiliate status: if a higher-scored platform pays less than a lower-scored one, the higher-scored one ranks higher anyway. Where we have no independent review data we say 'Not surfaced' instead of inventing ratings. Full firewall details in our editorial policy.