Duavee Savings Card: What You’ll Actually Pay in 2026

Last verified: July 28, 2026 · Editorial research — not medically reviewed by a clinician. Why this label. Educational only — not medical or insurance advice. Affiliate disclosure.

The Duavee savings card can bring an eligible fill down to as little as $25. Pfizer contributes up to $110 per fill, with a $1,440 maximum per person per calendar year, and the current offer expires December 31, 2026. You need private commercial insurance that covers Duavee. Medicare, Medicaid, TRICARE, VA, and cash-paying patients are excluded.

Here’s the part almost nobody writes down. There’s a fourth group that gets shut out, and it isn’t an insurance type at all — it’s a piece of plan design most women have never heard of. Pfizer’s own terms say this card can’t be used with it. A third of the largest employers in the country have one.

We’ll show you how to find out in four questions whether it applies to you. And we’ll do the arithmetic Pfizer doesn’t publish: the exact number your cost has to be under before “$25” is even possible.

Start here: which route is actually yours?

Eligibility terms from Pfizer’s Menopause Hormone Therapies Savings Card terms and conditions, read July 28, 2026.

What we checked, and what we couldn’t

On July 28, 2026, we:

• Opened Pfizer’s savings card page and its full terms and conditions, and recorded the dollar limits, the eligibility language, the 30-day rule, and the expiration date exactly as printed
• Checked three different web addresses that other sites publish for this card, and recorded which one loaded the current program and which ones redirected
• Compared what GoodRx publishes about this card against what Pfizer publishes
• Confirmed no FDA-approved generic version of Duavee was listed
• Did the arithmetic ourselves on what Pfizer’s $110 cap means at different cost levels

We loaded Pfizer’s enrollment form and confirmed it displayed the current terms. We did not complete an enrollment or submit a pharmacy claim, so we can’t tell you how any individual claim will process.

How does the Duavee savings card work in 2026?

The Duavee savings card is Pfizer’s copay assistance program for Duavee (conjugated estrogens/bazedoxifene). Eligible patients with commercial prescription insurance may pay as little as $25 per fill, with Pfizer contributing a maximum of $110 per fill and $1,440 per patient per calendar year. The current offer expires December 31, 2026.

One thing to clear up first, because it sends a lot of people to the wrong page. Current public enrollment for Duavee runs through Pfizer’s combined menopause card— the Menopause Hormone Therapies (MHT) by Pfizer Savings Card. Pfizer’s savings summary presents five treatment options under one card: Duavee, Premarin tablets, Premarin Vaginal Cream, Estring, and Prempro. If you’re hunting for a Duavee-only enrollment page, that’s why you can’t find one.

The four numbers that decide everything

Pfizer MHT Savings Card terms and conditions and consumer savings page, both read July 28, 2026.

Four more rules from the same terms, because these are the ones that cause trouble at the counter:

• You must be 18 or older
• One card per person
• It may not be redeemed more than once per 30 days per patient
• It can’t be combined with another savings offer, free-trial offer, or a plan’s copay adjustment arrangement
• Don’t use it if your insurer or health plan prohibits manufacturer copay cards

What this card is, in plain terms

It’s a copay reducer. Your insurance processes first. The card then reduces what’s left. It is not insurance. It is not a discount card like GoodRx. And it is not Pfizer’s free-medicine program — that’s a separate program with the opposite eligibility rules, covered further down.

Most importantly: it cannot make your plan cover a drug your plan doesn’t cover.If insurance says no to Duavee, there’s nothing for the card to reduce.

How much will I actually pay with the Duavee savings card?

The Duavee savings card can reduce a fill to $25 only when the amount owed after primary insurance is $135 or less. Because Pfizer’s contribution is capped at $110 per fill, a higher amount leaves the patient responsible for the difference — an amount of $200 leaves roughly $90 due rather than $25.

“$25” is Pfizer’s advertised “as little as” figure. It is not a flat price.

Throughout this section, “what you owe after insurance”means whatever your plan leaves you responsible for on a Duavee fill. That might be a flat copay, a percentage coinsurance, or the full amount because you haven’t met your deductible yet. The card works the same way against all three.

Why $135 is the break point

Pfizer’s advertised patient amount is as little as $25. Pfizer’s maximum Duavee benefit is $110 per fill. Add them together and you get $135. At or below $135, the card can bring the fill down to $25. Above $135, even the maximum contribution leaves more than $25 due.

What that looks like at each level

Original calculation by The HRT Index using Pfizer’s published $110 per-fill maximum. These are estimates. They assume an eligible fill, that primary insurance processed, that enough annual benefit remains, and that no prohibited overlapping arrangement applies. $110 is a ceiling, not a promised payment.

The formula, if you want to run your own number

You need one number we can’t give you

What you owe after insurance. We don’t know it, and neither does any other page you’ll find today. Anyone quoting a single “Duavee costs $X with insurance” figure is guessing. Three ways to get it:

1. Log into your insurance portal and look Duavee up in the drug pricing tool
2. Call the member services number on your insurance card
3. Ask the pharmacy to run the prescription through and tell you the amount due before you complete the purchase

Then come back to that table. Your answer is one row.

Why do some pages still show $70 and an $840 yearly limit?

Older Duavee savings card terms of $70 per prescription and $840 per calendar year, with a December 31, 2024 expiration, are still displayed on pricing sites and coupon directories. Pfizer’s current published terms are $110 per fill and $1,440 per calendar year, expiring December 31, 2026.

If you’ve been searching for a while, you’ve hit conflicting numbers. You’re not confused. The pages are wrong.

What happened when we checked the links

We opened the three web addresses different sites publish for this card. Here’s exactly what we found on July 28, 2026:

The stale numbers are on sites you’d trust

On GoodRx’s Duavee page, the manufacturer program box lists savings of $70 per prescription, $840 per calendar year, up to 12 uses. A few lines away on the same page, its terms summary says $110 per fill and $1,440 per year. Both can’t be right. Pfizer says $110 and $1,440.

RxPharmacyCoupons publishes a page headlined as a 2026 manufacturer coupon that lists “$70 per month, 12 uses, $840 per calendar year” — the expired terms, under a current-year headline. RxGocarries a Duavee savings page with older terms and a support number Pfizer’s current materials no longer list.

Can I use the Duavee savings card if my plan has a copay accumulator or maximizer?

Pfizer’s terms state the Menopause Hormone Therapies Savings Card cannot be combined with a copay accumulator or maximizer arrangement. In plans using these programs, manufacturer assistance is not credited toward the enrollee’s deductible or out-of-pocket maximum. Whether a specific Duavee claim is subject to one depends on the individual plan.

This card is not a universal $25 coupon. If your Duavee claim falls under a copay accumulator or maximizer, Pfizer’s own terms say the card can’t be combined with that arrangement — which can make it unusable for you.Not because you did anything wrong. Because of how your plan was built. Your plan won’t call it by these names.

What a copay accumulator does

A copay accumulator lets manufacturer assistance reduce what you hand over at the pharmacy — while not crediting that manufacturer-funded money toward your deductible or out-of-pocket maximum. Only what youpersonally paid counts. So the assistance runs out, and you’re still facing the full deductible you thought you’d been chipping away at.

What a copay maximizer does

A maximizer generally adjusts your cost-sharing obligation so the plan or its vendor can capture the manufacturer’s assistance across the benefit year. You may pay little or nothing at the counter — while moving no closer to your deductible or out-of-pocket maximum.

How common is this?

Not rare.

• In KFF’s nationally representative 2024 employer survey, 17% of firms with at least 500 workers that offered health benefits reported an accumulator in their largest-enrollment plan. Among firms with at least 5,000 workers, it was 34%. Another 27% said they didn’t know whether their largest plan had one.
• In a convenience sample of 35 pharmacy benefit managers and payers representing nearly 118 million privately insured enrollees, 49% of the enrollees represented were in plans using a maximizer for at least some covered drugs.
• A patient-advocacy review cited by KFF found copay adjustment programs in 66% of the 2024 Marketplace plans it examined in states without a prohibition.

Does your state protect you?

Partly. Maybe. A 2025 National Conference of State Legislatures summary reported laws addressing these programs in at least 25 states, Washington D.C., and Puerto Rico. New Jersey enacted an additional accumulator law in January 2026. Some state protections carry conditions tied to whether a generic alternative exists — and Duavee has no FDA-approved generic, which may satisfy one condition. It still depends on your plan type and every other requirement in the law.

Where you actually stand, by plan type

Assembled from Pfizer’s card terms, KFF’s 2024 and 2025 employer surveys, NCSL’s 2025 copayment adjustment summary, and OPM’s published FEHB guidance, July 2026.

The four-question plan check

Your plan may use a different name. Watch for: Coupon Adjustment · Benefit Plan Protection Program · Out-of-Pocket Protection Program · Copay Leveling Program · Variable Copay Program · Patient Assurance Program.

Call the member services number on your insurance card and ask, word for word:

1. “Does my plan use a copay accumulator or copay maximizer program for brand-name prescriptions?”
2. “If I use a manufacturer copay card for Duavee, will the manufacturer’s payment be credited toward my deductible and my out-of-pocket maximum?”
3. “Is my plan fully insured or self-funded?”
4. “Is Duavee — conjugated estrogens/bazedoxifene — on my formulary, at what tier, and does it require prior authorization?”

Write down the date, the representative’s name, and the reference number. That creates a record you can use for follow-up, escalation, or an appeal.

Who qualifies for the Duavee savings card?

Eligibility requires being 18 or older with private commercial prescription insurance that covers Duavee. Pfizer’s terms state the card is available to commercially insured patients only, and that state and federal beneficiaries and cash-paying patients are not eligible.

Pfizer MHT Savings Card terms, read July 28, 2026.

Marketplace coverage counts — but coverage isn’t the same as eligibility

A plan bought on the Marketplace is private commercial prescription insurance, so it can qualify. But there are four separate gates, and you need all four:

1. Do you have commercial insurance? (The card’s eligibility test.)
2. Does that plan include prescription coverage?
3. Is Duavee on your formulary?
4. Has any required prior authorization been approved?

Clear all four and the card reduces what’s left. Miss one and there’s nothing for it to work on.

If you’re a federal employee

Good news, and it’s specific. The Office of Personnel Management says FEHB members are permitted to take part in pharmaceutical company copay reimbursement programs — FEHB is exempt from the federal restriction that blocks Medicare and Medicaid beneficiaries. That doesn’t automatically make you eligible for this particular card. Pfizer’s own terms and your specific FEHB plan’s prescription rules still control. Confirm both before you rely on it — Pfizer’s card support line is 1-888-WMN-HLTH.

One thing to know if the card doesn’t work out: Pfizer’s patient assistance program specifically excludes commercially insured patients, including federal employer plan patients. So for FEHB members, the card is the route to pursue, not the assistance program.

Is the $1,440 yearly limit just for Duavee?

The $1,440 maximum applies per patient, not per drug, and runs from the enrollment date through December 31 of that calendar year. Because the card may not be redeemed more than once per 30 days per patient and Duavee’s maximum benefit is $110 per fill, Duavee fills alone cannot exhaust the annual maximum.

For Duavee, the yearly cap will not be your problem. The card can be redeemed no more than once every 30 days. At most, that’s 13 redemptions in a calendar year. 13 × $110 = $1,430 — still under the $1,440 maximum. Even in the best case, Duavee alone can’t run the cap dry.

Two things worth knowing about how the cap works:

• It doesn’t reset on your anniversary. The benefit runs from your enrollment date through December 31 and does not carry into the next calendar year. It is not a reason to change when you start a prescribed medication — talk to your prescriber about treatment timing.
• Pfizer’s own materials are inconsistent about Prempro. The savings summary presents five products under one card, including Prempro. The detailed terms name Duavee, Premarin tablets, Premarin Vaginal Cream, and Estring — and omit Prempro from the covered-product sentence. If you fill Prempro too, ask Pfizer how it’s treated before you assume anything about a shared balance.

How do I get and use the Duavee savings card?

Enrollment runs through Pfizer’s Menopause Hormone Therapies savings page, which asks a short set of eligibility questions. The published card terms list no membership fee and no income requirement. The card is presented at the pharmacy after commercial insurance, as a secondary claim.

Six steps.

1. Confirm your insurance type. Commercial only. On a government program? Stop here and skip to the Medicare section — there’s a better route waiting for you.
2. Go to pfizermenopause.com/savings-card. Don’t search and click the first result. Several point to addresses that redirect or display expired terms.
3. Answer Pfizer’s eligibility questions. The published terms list no membership fee and no income test.
4. Save the card three ways — screenshot on your phone, printed copy in your wallet, and bookmark the terms page. Pharmacy systems go down. Phones die.
5. Give the pharmacist your insurance card first, then the savings card. The order matters. The card processes as a secondary claim, after insurance. Say it plainly:

   “Please run my commercial insurance first, then apply the Pfizer MHT copay card for Duavee as secondary.”

6. Ask for all three numbers before you pay:
   • What you owe with insurance alone
   • What you owe with insurance plus the card
   • What the cash coupon price is today

Should you get a 90-day supply?

This is worth thirty seconds of thought, and we haven’t seen it addressed anywhere. Pfizer caps the benefit at $110 per prescription filled. A 90-day fill is one prescription filled. So a 90-day supply would draw up to $110 total — covering three months. Three separate 30-day fills could draw up to $110 each, or $330 across the same three months.

If your pharmacy won’t take the card, or you use mail order

Pfizer’s terms include a reimbursement route. Pay in full, then send:

• A copy of the original pharmacy receipt — not a cash register receipt — with the product name, date, and amount circled
• A copy of the front of your card
• Your name and mailing address

Mail to: Pfizer, Attn: Claims Processing Department, IQVIA, Inc., 77 Corporate Drive, Bridgewater, NJ 08807. Check the current terms page before you mail — program addresses change.

Why did my Duavee savings card get rejected?

A Duavee savings card claim can be rejected because of government insurance, the plan not covering Duavee, an unresolved prior authorization, an expired card, a redemption inside 30 days, another discount already applied, a non-participating pharmacy, or an exhausted annual benefit. The pharmacy’s rejection message identifies which applies.

Don’t assume the program ended. Ask for the exact rejection message or code — it usually narrows the next step immediately.

Assembled from Pfizer’s published terms, July 2026. These are documented program conditions, not processor rejection codes.

What to say at the counter:

“Can you tell me the exact rejection message or code? Is the issue my eligibility, the drug’s coverage, refill timing, or the card processing?”

Pfizer card support: 1-888-WMN-HLTH. Have your card ID and the rejection message ready.

How do I check the balance left on my Duavee savings card?

Pfizer’s current public card terms do not describe an online balance checker for the Menopause Hormone Therapies Savings Card. The card support line is the route for confirming how much of the $1,440 calendar-year maximum remains.

There’s no member portal for this. If you’ve been filling Duavee for months and want to know where you stand before you plan around another $110, call 1-888-WMN-HLTH and ask how much calendar-year benefit remains.

Two moments when it’s worth calling:

• The card applied less than you expected on a recent fill. That can mean your remaining balance is running low.
• You enrolled mid-year. Your benefit ran from your enrollment date, not from January.

Ask for the amount remaining and the date it resets. Write both down.

Can I use the Duavee savings card with Medicare or Medicaid?

No. Pfizer’s terms exclude beneficiaries of Medicare, Medicaid, TRICARE, Veterans Affairs health care, state pharmaceutical assistance programs, and Puerto Rico’s government health plan. This is consistent with federal anti-kickback restrictions on manufacturer coupons for drugs reimbursed by federal health programs.

Straight no. And one thing that comes up constantly: paying cash doesn’t create an exception. If you’re enrolled in Medicare, you’re excluded from the manufacturer card even if you try to run it as a cash-paying patient.

But you may be looking at the better program.

The two Pfizer programs are mirror images

If the card just rejected you because of Medicare, that rejection may have pointed you somewhere better. If Pfizer approves the application, free medication beats a $25 copay.

What Pfizer requires for patient assistance

You’re uninsured or government insured and unable to afford the cost. You have a valid prescription for an FDA-approved use. You live in the U.S. or an eligible territory. Your prescriber completes and signs their section. And your annual household pretax income cannot exceed 300% of the applicable federal poverty guideline, adjusted for household size.

2026 maximum income at 300% of the guideline (48 contiguous states and D.C.):

Computed from the 2026 HHS poverty guidelines. Add $17,040 for each additional household member. Alaska and Hawaii use higher figures. Confirm your household’s threshold with Pfizer.

You’ll need proof of income — pay stubs, a W-2, or a tax return. Missing income documentation can stall or end the review, so send it complete the first time. Phone: 1-844-989-PATH (7284).

Two Medicare facts worth having alongside this:

• No Medicare drug plan may have a deductible above $615 in 2026. Some plans have a lower deductible or none at all.
• Once your out-of-pocket spending on covered Part D drugs reaches $2,100 in 2026, you enter catastrophic coverage and pay $0 out of pocket for covered Part D drugs for the rest of the calendar year.

How can I save on Duavee if I have no insurance?

Cash-paying patients are not eligible for the Duavee savings card. Separate discount routes exist, and observed July 2026 figures for a 30-tablet supply ranged from about $30.30 on a manufacturer-supported platform to roughly $267 as a stated average retail price.

You’re excluded from the card. The cash side is better than most pages will tell you.

What we observed in July 2026

All figures below are for Duavee 0.45 mg / 20 mg, 30 tablets.

Snapshots captured July 2026. These are different price types and none is a guaranteed pharmacy quote. Prices vary by pharmacy, ZIP code, and date.

TrumpRx and GoodRx both show about $30.30 because it’s one Pfizer-supported price visible in two places, not two independent discounts to play off each other. Ask the pharmacy to quote each route separately and take the lower valid one.

Rules for the cash routes

• You can’t combine them with insurance. A cash purchase means insurance isn’t billed at all.
• A self-pay purchase isn’t automatically credited to your commercial deductible. Under Medicare, a purchase made outside your Part D plan does not count toward the Part D deductible or out-of-pocket maximum.
• You can’t stack coupons. One offer per fill.
• TrumpRx’s published terms exclude people enrolled in government programs including Medicare, Medicaid, VA, and TRICARE.
• Not every pharmacy participates. Call ahead.

Does my insurance have to cover Duavee for the card to work?

Yes. Pfizer describes the savings card for patients with commercial prescription drug coverage for Duavee. The card reduces an existing cost-sharing amount and does not create coverage where a plan excludes the drug or requires an unresolved prior authorization.

Short answer: yes, and this trips up more people than the Medicare rule does. If your plan excludes Duavee or a required prior authorization is unresolved, resolve the coverage decision first. Don’t assume the card can be applied against a full cash price.

What to ask your insurer

• Is Duavee on my formulary, and at what tier?
• Does it require prior authorization?
• Does it require step therapy — trying other drugs first?
• Is there a quantity limit?
• What’s my expected 30-day cost?
• Does my plan prohibit manufacturer copay cards?

One arrangement worth naming

Some employer plans use alternative funding arrangements that remove selected drugs from ordinary coverage, so the patient appears uninsured on paper and gets routed to a manufacturer assistance program. For Duavee that can create a squeeze: the savings card needs a covered benefit, and Pfizer’s assistance program excludes commercially insured patients. If you think this has happened to you, get the plan’s written coverage decision and confirm your Pfizer eligibility directly before concluding that neither route applies.

What women say about paying for Duavee

Published patient reviews of Duavee are mixed. On Drugs.com, Duavee’s overall rating is 6.4 out of 10 from 35 reviews. On WebMD, it is 3.7 out of 5 from 72 reviews. Reviews frequently reference cost and supply as reasons for stopping.

We’re not going to pretend Duavee has a fan club. The published ratings are middling, and we’d rather you see them before you spend an afternoon on paperwork. Ratings as published, captured July 2026. Review counts and scores change over time. These numbers reflect individual experiences and say nothing about whether a medication is safe or effective for you — that’s a conversation with your prescriber.

On cost specifically, the reviews say something this page exists to prevent. One WebMD reviewer who’d taken Duavee for about three years wrote:

“I quit taking it last week. My insurance quit paying for it.”

A Drugs.com reviewer of eight years described a different kind of interruption:

“Very frustrated with two different backorders this summer.”

Neither of those is a reason to avoid Duavee. Both are reasons to know your coverage and your card status before you’re standing at a counter with a decision to make.

Do I need a prescription, and can I get one online?

Duavee is prescription-only and is dispensed through a pharmacy rather than by a telehealth service. A telehealth visit does not change Pfizer’s savings-card terms and does not guarantee a lower pharmacy price. Whether any clinician will prescribe or continue Duavee is a clinical decision.

A telehealth visit won’t make Duavee cheaper. It’s a Pfizer brand filled at a pharmacy. Anyone implying otherwise is misleading you.

Depending on the clinician, your state, the platform, and the clinical assessment, an online clinician may be able to discuss a new or continuing prescription, support prior authorization paperwork, or complete a prescriber section on an assistance application. None of that is guaranteed. We have not verified that any specific provider prescribes or continues Duavee. Ask at intake, before you pay for a visit.

Affiliate disclosure: The HRT Index may earn a commission if you use the two provider links below. It doesn’t change the price you pay, and it didn’t change anything you’ve read above — every route earlier on this page earns us nothing. Full disclosure →

Two providers we’ve reviewed may be relevant here, with their limits stated plainly:

Who we’re deliberately not sending you to, and why

We’re not pointing you toward compounded hormone providers on this page. Duavee is an FDA-approved product with a specific approved formulation and approved uses. Compounded hormone preparations are not FDA-approved and are not equivalent to it. On a page about an FDA-approved brand, recommending a compounded alternative would be the wrong answer no matter what it paid us.

We’re also skipping flat-fee services whose standard offering pairs estradiol with a progestogen. Duavee’s label says women taking it should not add progestins, additional estrogens, or another estrogen agonist/antagonist. A progestogen-containing product isn’t a cheaper version of Duavee — it’s a different medicine.

How did The HRT Index verify these terms?

This page was researched by The HRT Index editorial team using The HRT Index Verification Standard: read every published price at its primary source, separate FDA-approved from compounded options, verify availability and program terms, and re-check on a fixed schedule. It is editorial research and was not reviewed by a clinician.

Our sources, in the order we trust them:

1. Pfizer’s own program materials — the consumer savings card page and the full terms and conditions, read directly
2. Duavee’s FDA prescribing information, for anything medical
3. Pfizer RxPathways, for patient assistance rules
4. KFF, NCSL, OPM, and Medicare, for insurance mechanics, state law, and Part D figures
5. Current pricing platforms, for dated snapshots only
6. Competitor pages — used only to identify stale claims, never as a source of fact

We evaluate providers on five things, always in this order: clinical legitimacy, care quality, medication fit, price transparency, and access. We don’t publish numeric provider scores.

Found something that’s changed? Prices move, programs get amended, links break. Send us the current source and we’ll re-check it and update the verification date on this page.

Duavee savings card FAQ

Which Duavee savings route should I use?

The whole page in six lines:

• Commercial insurance, Duavee covered, you owe under $135 after insurance → the card can get you to $25. Enroll with Pfizer
• Commercial insurance, you owe more than $135 → the card can still contribute up to $110. Ask what it actually applied.
• Commercial insurance, plan runs an accumulator or maximizer → confirm whether your Duavee claim falls under it. Four questions above.
• Commercial insurance, Duavee denied → the card can’t help. Coverage can. Start here
• Medicare, Medicaid, TRICARE, or VA → not the card. Check patient assistance — if approved, free beats $25.
• No insurance → not the card either. Cash routes, verified

Whichever line is yours, ask the pharmacy for all three numbers before you pay. It’s the most direct way to compare the routes actually available to you.

Last verified: July 2026 · The HRT Index Editorial Team

Educational content only. Not medical advice, and not reviewed by a clinician. Duavee carries a boxed warning and multiple contraindications. A lower price doesn’t change whether a medication is appropriate for your health history — talk to your prescriber. See our medical review policy, editorial standards, and corrections policy.

Related guides: Does insurance cover Duavee? · Does Medicare cover Duavee? · Duavee cost without insurance · Duavee online prescription · What to do if insurance denies HRT