Before you compare cash telehealth: check your insurance first
- Midi Health bills insurance for visits — it's in-network with most major PPO plans, so a visit can cost you a normal specialist copay, and prescriptions run through your pharmacy benefit. For insured women, that model often beats every cash subscription below.
- Generic FDA-approved HRT is cheap at the pharmacy. Generic estradiol tablets, patches, and micronized progesterone are widely covered and often inexpensive even cash-pay with a discount card. Any clinician — including your own OB-GYN — can prescribe them.
- Neither of these paths pays us anything; they're listed because they're often the best deal.
Menopause HRT telehealth providers, compared
The ongoing monthly cost column is what you'd pay after any intro pricing: consultation/membership plus medication, cash-pay. Some providers prescribe pharmacy-compounded formulations — not FDA-approved products — alongside or instead of FDA-approved ones; we note where.
| Provider | Ongoing monthly cost (all-in) | How pricing works | Insurance? | Notes | |
|---|---|---|---|---|---|
| AlloyFDA-approved meds, med-price-only model | ~$63–123/motypical estradiol + progesterone combo; estradiol pill from $39.99, patch $100, progesterone from $23 | No membership fee — clinician review bundled into medication price; terms reference a one-time consult fee not shown on pricing pages (verify at checkout) | Cash-pay | Leads with FDA-approved forms (pills, patches, gel, spray) | View provider Review |
| WinonaCompounded-first, med-price-only model | ~$89–128/moflagship estrogen body cream w/ progesterone from $89; patch from $149; progesterone capsules from $39 | No membership or consult fee — consults and messaging included in medication price | Cash-payHSA/FSA may reimburse | Flagship creams are pharmacy-compounded — not FDA-approved products | View provider Review |
| EvernowMembership + meds separate | $49/mo + med$35/mo billed annually, $43/mo quarterly; meds filled via your pharmacy (insurance OK) or partner pharmacy | Flat membership covers clinician care and 24/7 messaging; medication billed separately | Membership cash-payRx can run through your insurance | All-in cost depends on your pharmacy price for the prescribed med | View provider Review |
| Midi HealthInsurance-billed visit model | Copay/visitself-pay fallback: $250 initial visit, $150 follow-up; no membership fee; meds via your pharmacy | Bills your insurance like a specialist visit — in-network with most major PPO plans | Yes — primary modelMedicare out-of-network; no Medicaid | Usually the cheapest path for insured women; not a subscription | View provider Review |
| HersSubscription, 12-month plans | Verifyingpricing verification in progress — Hers' menopause pricing page blocks automated access; we only publish hand-verified numbers | Cash subscription; oral HRT and patches on multi-month plans with provider messaging included | Cash-pay | Parent company Hims & Hers faces an active FTC lawsuit (July 2026) over subscription practices | View provider Review coming soon |
| JoiMembership + meds & labs separate | $50/mo + med & labsbilled $150 quarterly; includes visits and ongoing hormone labs; initial lab panels $149–699; meds billed separately | Membership covers clinician visits and monitoring labs; medication (often compounded) billed separately | Cash-payRx can route to your local pharmacy | 3-month minimum before cancellation; part of Joi + Blokes | View provider Review |
Comparison honesty note
This table isn't the whole market. Gennev (insurance-billed, now part of Unified Women's Healthcare) and Maven Clinic (mostly employer-sponsored) also offer menopause care and may be free or near-free through your health plan or employer — check before paying cash. We list them here even though neither pays us, because a comparison that hides the insured paths isn't a comparison.
How to read the pricing models
You have decent insurance
Start with Midi Health (or ask if your employer offers Maven, or your plan covers Gennev). A specialist copay plus a covered generic prescription is hard for any cash subscription to beat.
Read the cost guideCash-pay, want FDA-approved medication
Alloy's med-price-only model is the most transparent of the cash group — a typical plan runs ~$63–123/mo all-in, and it leads with FDA-approved forms. Evernow works too if your pharmacy fills the prescription cheaply.
Compare every cash pathConsidering compounded creams
Winona and parts of Joi's formulary are pharmacy-compounded. Compounded hormone preparations are not FDA-approved and are not tested for safety and effectiveness the way approved drugs are. Understand that trade-off with your clinician before choosing on price.
Read the Winona reviewHRT prices change too. We track them so you don't have to.
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- Alloy published product pricing: myalloy.com/solutions (estradiol pill from $39.99/mo, patch $100/mo, progesterone from $23/mo); myalloy.com/terms-of-use (non-refundable consultation-fee language)
- Winona published product pricing and FAQ: bywinona.com/product, bywinona.com/faq (cream from $89/mo, patch from $149/mo, progesterone from $39/mo; cash-only)
- Evernow membership pricing: evernow.com/faq ($49/mo monthly, $129/quarter, $420/year; medication separate)
- Midi Health pricing & insurance page: joinmidi.com/pricing-insurance (insurance-billed; self-pay $250 initial / $150 follow-up)
- Joi (Joi + Blokes) HRT product page: joiandblokes.com/product/hrt ($50/mo billed quarterly; lab panels $149–699; medication separate)
- Hers: forhers.com menopause pages restrict automated access; figures withheld pending hand-verification