Cost guide · Verified July 6, 2026
How much does HRT cost, and what will you actually pay?
Where to actually start
Featured affiliate partners; commissions never change a score or grade. Full table below.
Every other page answering this question quotes a "$20 to $500/mo" shrug. We priced the women's platforms ourselves: consult fees, med costs, and the real first-year total with assumptions documented. The table is below; the calculator matches you to a platform in four questions.
Step 1 of 4
Do you have health insurance?
What does HRT actually cost in 2026?
$530 to $1,161 for a realistic first year of cash-pay HRT, depending on platform. The floor is Alloy at $39.99/mo for the estradiol pill plus a $49 one-time consult; the ceiling is Winona's all-inclusive $89/mo cream route. 3 of the 13 women's platforms we track bill commercial insurance (Midi Health, Gennev, Elektra Health), and those three charge per visit rather than per month. The other 10 are cash-pay.
The short answer
- Cheapest verified route overall: Alloy: $39.99/mo FDA-approved oral estradiol + $49 one-time consult ≈ $530 year one (the consult fee is [Reported], the pill price was fetched directly). We break the full Alloy cost down by plan on its review page.
- Cheapest compounded, no consult fee: Winona: $54 tablets per 28-day cycle, $0 consult ≈ $704 year one across the 13.04 charges a year holds (its all-inclusive cream route is $89 a cycle, the $1,161 figure in the table)
- Labs-first floor: Hone Health: $25/mo membership + medication ≈ $700 year one (the $25 is a membership, not treatment)
- Billed through insurance: Midi Health, Gennev and Elektra Health charge per visit and bill commercial plans. Self-pay rates run $249 to $250 for the first visit and $149 to $199 after. None takes Medicare or Medicaid.
- Brand-name on a 12-month plan: Hers: $79/mo oral ≈ $948 year one
- Public-price compounded option: Gala Health: one flat plan billed $237 every 12 weeks, which is $85.82 a month against the $79 advertised, free shipping ≈ $892 year one with its intro code (Provisional; compounded, not FDA-approved)
- FDA-approved generic route: Sesame Care: a doctor marketplace prescribing FDA-approved generic estradiol and progesterone to your own pharmacy; menopause visit about $99 to $125 (reported), generic drug price not verified this pass, so no single first-year figure
- Peptide-led platform, HRT on the side: Telos RX: bioidentical estradiol and progesterone, but only its GLP-1 and peptide prices are published, not an HRT number
- Lowest-friction topical (unverified pricing): Inner Balance: single cream, price not confirmed in our July pass
The verified cross-provider price table
No other page on the internet has this table, which is exactly why we built it: every women's HRT platform we track, with the consult fee, the monthly medication cost, and the real first-year total, sorted by that total, cheapest first. Grade = our A-F Transparency Grade (what the provider discloses before intake). Sorted by cost, never by affiliate status.
| Provider | Consult fee | Monthly cost | Real first year | Grade | Verified |
|---|---|---|---|---|---|
| Alloy8.9/10 | $49 one-time | from $40/mo | ≈ $530 | A | Jul 31, 2026 |
| Hone Health7.5/10 | $65 initial Biomarker Test + Consult | from $25/mo | ≈ $700 | C | Jul 6, 2026 |
| Gala Health7.2/10 | No membership fee and no separate consult fee. The plan price covers clinician care, messaging and shipping | from $86/mo | ≈ $892 | C | Aug 16, 2026 |
| Hers Menopause7.4/10 | Free consult, stated on forhers.com/menopause | from $79/mo | ≈ $948 | D | Aug 16, 2026 |
| Winona8.4/10 | $0, product-only pricing | from $54/mo | ≈ $1,161 | B | Aug 16, 2026 |
| Midi Health7.7/10 | n/a | from $150/mo | Not verifiable | B | Jul 27, 2026 |
| Defy Medical7.6/10 | n/a | from $250/mo | Not verifiable | C | Jul 27, 2026 |
| Sesame Care7.6/10 | Menopause care runs about $99/mo on Sesame's reported Menopause and HRT plan, or per-visit (about $99 to $125 a video visit) on the marketplace; optional Sesame Plus $10.99/mo or $99/year takes $10 off visits | from $99/mo | Not verifiable | B | Jul 7, 2026 |
| Wisp7.3/10 | $99 Menopause Consult, including 3 months of care-team access; medication billed separately by your pharmacy | from $99/mo | Not verifiable | B | Jul 24, 2026 |
| Gennev7.1/10 | n/a | from $199/mo | Not verifiable | B | Jul 27, 2026 |
| Elektra Health7.0/10 | n/a | from $149/mo | Not verifiable | B | Jul 27, 2026 |
| Inner Balance7.0/10 | n/a | from $99/mo | Not verifiable | D | May 12, 2026 |
| Telos RX6.9/10 | No HRT price is published anywhere on the for-women page. The consult itself is free and Telos says so on that page. The only prices it shows run $49 to $399/mo and they attach to the GLP-1 and peptide lines, not to estradiol or progesterone | Copay + pharmacy meds | Not verifiable | D | Aug 16, 2026 |
First-year totals = consult fee + 12 months on the provider's cheapest systemic-estrogen route; the full assumption set for each number is documented on the ranked review pages. "Not verifiable" means the provider gates pricing behind intake or our July 2026 pass couldn't confirm it, which tells you something too. Facts carry Verified/Reported status labels on each review page. 10 of these 13 are cash-pay; Midi Health, Gennev, Elektra Health bill commercial insurance. For how coverage interacts with the pharmacy price of your medication, see the insurance guide.
Why do our numbers differ from advertised prices?
Because the advertised price is a marketing artifact and the first-year cost is arithmetic. The category's recurring anchor-pricing patterns, named:
- The two-part price. Hone Health advertises a $25/mo membership, which buys zero medication. Meds are a separate charge, and the realistic all-in lands at $53 to $180+/mo. Our floor estimate: ≈$700 year one.
- The commitment gate. Hers's $79/mo oral estradiol requires a 12-month plan; shorter plans cost more and the exact prices are gated behind intake.
- The pricing you can't confirm. Inner Balance surfaced in our July pass without confirmable published pricing at all, the least-verifiable provider we track, which is its own kind of cost signal.
None of this is illegal, and some of it is defensible. But it's why a "from $X/mo" comparison misleads and a verified first-year table doesn't. The Transparency Grade column above exists to price this behavior in.
What makes HRT cost more or less?
- Insurance or cash-pay. 3 of the 13 women's platforms we track bill commercial insurance, and they charge per visit rather than per month. The other 10 are cash-pay, from $25/mo (a membership that excludes medication) to $149/mo for the dearest single product on the roster, Winona's patch. Insurance can still cover FDA-approved estradiol at your own pharmacy even when the visit is cash-pay. Full breakdown in the insurance guide.
- FDA-approved vs compounded. Compounded platforms (Winona, Inner Balance, Gala HRT, and Telos RX) are not FDA-approved; the first three bundle medication into one cash subscription, while Telos does not publish its HRT price. FDA-approved platforms (Hers, Sesame Care, and Hone's brand line) price meds per product or send them to your pharmacy. The clinical difference matters more than the billing difference. See the bioidentical HRT guide.
- Delivery format. Pills are cheapest ($39.99 to $79/mo verified); patches run $74.99 to $149/mo, and are also the format hit by the 2026 shortage.
- Clinical depth.Chat-only platforms (Winona) are cheaper than labs-first platforms (Hone Health); the biomarker panels and physician consults in Hone's Premium tier push it toward $180+/mo.
FAQ
HRT cost questions, answered with numbers
How much does HRT cost per month?
The cheapest verified monthly price across the 13 women's platforms we track is Alloy at $39.99 for the estradiol pill, which works out to about $530 for year one once you add its $49 one-time consult [Reported]. Hone Health floors near $700: the advertised $25/month is a membership that buys no medication, and the cheapest injection route adds roughly $28/month. Hers is $79/month for oral estradiol on a required 12-month plan, $948 a year. Gala Health advertises $79/month but bills $237 every 12 weeks, which is $85.82 a month and $892 in year one with its intro code. Winona sells tablets at $54 a cycle and its all-inclusive cream route is $89, and because it bills every 28 days a year holds 13.04 charges rather than 12, so that cream route is $1,161 a year. Three platforms bill commercial insurance rather than charging a monthly price: Midi Health ($250 initial visit then $150 follow-ups if you self-pay), Gennev ($250 then $199) and Elektra Health ($249 then $149). Sesame Care, Wisp, Telos RX, Inner Balance and Defy Medical publish no figure we can turn into a verified annual total.
Why do you quote first-year cost instead of monthly price?
Because monthly headline prices are where the category hides the ball. Consult fees, annual-billing anchors, two-part membership-plus-meds structures, and 3-month billing blocks all disappear from a '/mo' number. First-year cost (consult plus 12 months on the cheapest systemic-estrogen route, assumptions documented per provider) is the number you can actually compare. It ranges from about $530 (Alloy) to about $1,161 (Winona) across the 5 platforms whose full path we could price.
Is HRT cheaper with insurance?
3 of the 13 women's platforms we track bill commercial insurance: Midi Health, Gennev, Elektra Health. All three are per-visit rather than monthly, and all three quote a self-pay rate as well, so you can price the visit either way before booking. The other 10 are cash-pay only. Insurance still helps on the cash-pay side in one place: the medication. FDA-approved estradiol and micronized progesterone are cheap generics on most formularies, so filling a prescription at your own pharmacy runs it through your plan even when the telehealth visit does not. Cash-pay is not automatically the expensive tier. Alloy's $39.99/month pill and Hone's roughly $53/month floor beat plenty of copay stacks once you count the pharmacy price of brand HRT. None of the three insurance platforms takes Medicare, Medicare Advantage or Medicaid; Midi states that explicitly on its own pricing page.
What's the cheapest way to get HRT?
The lowest verified route is Alloy: $39.99/month for FDA-approved oral estradiol, plus a $49 one-time consult [Reported], about $530 for the first year. If you want compounded bioidenticals with no consult fee at all, Winona's tablets are $54/month. If you want a labs-first workup with the biggest verified review base, Hone Health floors around $53/month all-in ($25 membership plus medication). The pharmacy-counter route (any prescriber plus generic estradiol on a discount card) can beat all three on medication cost, but you still have to pay for the clinician somewhere.
Are there hidden fees in HRT telehealth?
Rarely hidden outright, usually just relocated. The recurring patterns we found: annual-billing anchor prices ('$35/mo' that requires prepaying $348), membership fees that exclude medication, one-time consult fees quoted after the price headline, 3-month billing blocks that triple the per-charge outlay, and cash prices published only in help-center articles. Every provider's version of this is documented in the 'why our numbers differ' section above and on its review page.
This is general information, not medical advice.HRT is a prescription treatment; whether it's right for you (and which formulation) is a decision for you and a licensed clinician. Prices on this page were verified against provider sites and primary sources on July 6, 2026 and are re-checked monthly; providers change prices without notice.
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