Elektra Health Cost in 2026: What You’ll Actually Pay
$249 first visit · $149 follow-up · no monthly membership fee · insurance billing in 16 states, including Medicare and Medicaid
Disclosure: Links to Midi and Hers on this page are paid affiliate links — we may earn a commission, and it never changes your price. Elektra links are not paid.
Elektra Health cost is $249 for a 30-minute first visit and $149 for each 15-minute follow-up if you pay cash, with no monthly membership fee for clinical care. In network, your cost is your plan’s share — a copay, coinsurance, or deductible amount. Prescriptions, any lab costs, uncovered coaching, and policy fees are separate. Your state and exact plan decide the total.
That’s the sticker price. But the sticker price isn’t the number that decides whether Elektra is a good deal for you— and that’s the number most pages skip. Below, we lay out the whole bill: what’s included, what isn’t, whether your insurance actually makes it cheaper, and the two charges that catch people off guard. We checked each price on this page against Elektra’s own current pages, so you can see which costs are locked in and which you’ll still need to confirm before you book.
Elektra Health cost at a glance
| Cost item | What you pay | The part people miss |
|---|---|---|
| Membership fee | $0 | Elektra used to charge for its community. It doesn’t anymore. |
| First visit (self-pay) | $249 | A 30-minute video visit with a clinician. |
| Follow-up visit (self-pay) | $149 | A 15-minute video visit. |
| In-network visit (insured) | Your plan’s share | Could be a copay, coinsurance, or deductible amount — sometimes $0, depending on your plan. |
| Coaching | $0 if your plan covers it, else $99/session | Coaching is a separate, non-clinical service — not automatically free. |
| Prescriptions | Billed at your pharmacy | Elektra doesn’t sell meds. Generic hormones are usually inexpensive. |
| Labs | Billed to your insurance/lab | Ordered when needed; there’s no flat “lab fee.” |
| Late cancel / no-show | $50 | Applies to clinical and coaching visits. |
Sources: Elektra Health FAQ (checked July 20, 2026) and Practice Policies (last updated by Elektra June 25, 2025).
Elektra may be a good fit if you:
- Live in one of its 16 clinical-care states.
- Have insurance Elektra takes — especially Medicaid or Medicare, which most menopause telehealth services don’t accept.
- Want a menopause specialist plus optional coaching, not just a quick prescription.
- Prefer FDA-approved medication sent to your own pharmacy.
Elektra is probably not your best starting point if you:
- Live where it doesn’t offer clinical care yet → see Midi (all 50 states) below.
- Want one flat monthly price with the medication included → see Hers below.
- Want the cheapest possible single visit → see Sesame below.
- Need an in-person exam first (like a workup for unexplained bleeding). Online care can’t examine you in person.
The right online HRT provider depends on your symptoms, age, uterus status, medication route, risk history, insurance situation, and state. Because a general answer can’t resolve those for you:
Not sure Elektra fits your situation?
Get your personalized HRT path in about 90 seconds →What we verified — and what we didn’t
What we confirmed from Elektra’s own pages (July 20, 2026): the $249 first visit and $149 follow-up, the $99 coaching fee, the no-membership-fee policy, the 16 clinical-care states, the state-by-state insurance list, the FDA-approved medication policy, the New-York-only testosterone rule, the $50 cancellation fee, and how Elektra charges your card after a claim is processed.
What only you can confirm:your exact copay, your medication price, and your lab bill. Those change person to person, so we’ve labeled them “confirm before you book” instead of guessing — and we show you exactly how to check.
How much does Elektra Health cost in 2026?
Elektra’s published cash price is $249 for a 30-minute first visit and $149 for each 15-minute follow-up. If you use insurance Elektra accepts, you pay your plan’s share instead — a copay, coinsurance, or deductible amount, which can be as low as $0. There is no monthly membership fee.
Let’s break down what that money actually buys.
The $249 first visitis 30 minutes of video time with a board-certified clinician trained in menopause. They review your health history and symptoms, talk through your options, and — if it’s appropriate for you — order labs or write a prescription. You also get a care plan and a follow-up schedule. (We can’t promise you’ll get a prescription. That’s a clinical call your provider makes, not something you buy.)
The $149 follow-upis a shorter 15-minute check-in — usually for medication management or a new concern that needs a video review. Elektra notes that some issues are too involved for portal messaging and may need a billed video visit.
Is there a monthly fee?
No. And this is where a lot of older reviews get it wrong. Elektra used to sell a standalone membership for its education library and community. That’s gone. Today Elektra says plainly there’s no membership fee for clinical care, and patients get complimentary access to the education platform. If a page tells you Elektra costs a set amount “to join,” it’s out of date.
The honest headline: there’s no subscription — you pay per visit. But the visit is billed separately from your medication, any labs, and coaching.
Wait — is the “free intro call” actually free?
Yes, Elektra’s intro call is free. But a clinical visit is not — it’s billed as your plan’s share or the $249/$149 cash rate. Elektra also charges $50 for a late cancel or no-show, keeps a card on file, and may charge that card again after your insurance processes the claim. None of that is hidden, but you want to know it before you book.
Elektra’s cost is not one flat, all-in number you can see before you sign up. It depends on your plan — and the “free intro call” wording has genuinely confused people.At least one reviewer on Trustpilot described exactly this: an ad for a “free consultation” that turned into a roughly $60 insurance-billed doctor visit. (That’s a single 2024 review, so we treat it as one billing-clarity story, not proof of a pattern — but it’s the kind of thing you deserve a heads-up about.)
Elektra does not give you one predictable monthly bill with medication included. If a single flat price is your top priority, a bundled service like Hers is simpler to budget, and we compare them below. But because Elektra actually bills insurance — including Medicare and Medicaid, which most menopause telehealth services don’t — a confirmed low in-network cost can be far below a $79–$249 cash visit somewhere else. The fix for the confusion is simple: the intro call is free, the clinical visit is billed. Confirm which one you’re booking before you enter payment info.
Two more charges worth knowing — straight from Elektra’s policies:
- The $50 fee. Cancel or reschedule less than 24 hours out, or don’t show up, and Elektra charges $50 to your card — for clinical and coaching visits. Arriving more than 10 minutes late may be treated as a no-show and can trigger the same fee.
- The after-claim charge.If you use insurance, Elektra charges your estimated copay the day of your visit. Then, once your insurance processes the claim, it charges your card on file for any balance left over. You’re notified each time, and receipts land in your patient portal — but “estimated copay” is not the final word. Your true responsibility can shift after the claim clears.
None of this makes Elektra a bad deal. It makes it a normal medical billinstead of a subscription — which is easy to plan for once you know the pieces.
Intro call is free — you can text a photo of your insurance card to confirm your plan before you book.
What does Elektra Health include, and what costs extra?
Your Elektra visit fee covers the clinician’s time and your care plan. Secure messaging and the education platform are available to patients, but a concern that needs clinical review may require a billed video visit. A scheduled coaching session is $0 only when your plan covers it — otherwise it’s $99. Medications and any labs are billed separately. There is no all-inclusive medication package.
The simplest way to think about Elektra: you pay for care, then pay your pharmacy for medicine — the two are separate.That’s different from a service like Hers or Winona, where the medication is baked into a monthly price.
| Part of your care | Included in the visit fee? | What to do |
|---|---|---|
| Clinician video visit + care plan | Yes | Use your plan’s share or the $249/$149 cash fee |
| Education platform + community | Yes (complimentary) | No extra charge for patients |
| Secure portal messaging | Yes, for suitable concerns | Bigger issues may need a billed visit |
| Scheduled coaching session | Plan-dependent | $0 when your plan covers it; otherwise $99/session |
| Prescriptions | No | Filled at your pharmacy — check your price |
| Labs | No (not bundled) | Check what your plan covers |
| In-person exams | No | Keep your local doctor for these |
About prescriptions
Elektra doesn’t sell medicine — your clinician sends the prescription to your regular pharmacy, and your pharmacy or insurance sets the price. Elektra prescribes FDA-approvedhormonal and non-hormonal treatments, following The Menopause Society’s guidelines — not compounded formulas. To give you a rough idea: with a pharmacy discount card, generic estradiol commonly runs about $10–$30 a month and generic oral micronized progesterone as low as ~$15. Those are pharmacy prices that vary by location and change over time — not Elektra charges — so check your exact prescription.
About coaching
Elektra pairs you with a coach — a trained menopause educator, not a clinician — who helps you set goals and make sense of your plan between visits. If your health plan covers coaching, a session is $0. If it doesn’t, coaching sessions are $99 each. You’re not required to buy coaching to get care.
About labs
Your clinician may order bloodwork when it’s useful, but there’s no flat “lab fee” from Elektra. What you owe depends on the lab and your plan. Ask where the order is going and what your lab benefit covers before you test.
One more honest note: Elektra is built to work alongside your regular doctor, not replace them. It can’t do a Pap smear, a pelvic exam, or check out unexplained bleeding in person. Keep your local gynecologist or primary care doctor for anything that needs hands-on care. See our HRT benefits and risks guideif you’re weighing whether hormone therapy is right for you.
Does Elektra Health take insurance, Medicare, or Medicaid in my state?
Elektra accepts a growing list of commercial, Medicare, and Medicaid plans across 16 clinical-care states. Elektra says it became the first virtual menopause provider to accept Medicare and Medicaid in 2024. But a carrier’s name on the list doesn’t guarantee your specific plan is covered — confirm your exact plan, cost, and any referral rule before you book.
Most online menopause services are cash-only. Among the ones we compare here, Elektra is the only one that bills insurance at all. Midi takes commercial insurance but can’t treat Medicaid patients and doesn’t bill Medicare. Sesame makes you certify you’re nota Medicare, Medicaid, or TRICARE member before you book. Hers and Winona don’t bill insurance. So if you’re insured — and especially if you’re on Medicaid or Medicare — Elektra may be dramatically cheaper for you than a flat cash price anywhere else.
Elektra lists clinical care in these 16 states: New York, Connecticut, Massachusetts, Florida, Pennsylvania, New Jersey, Illinois, Arizona, Georgia, Iowa, Missouri, Nebraska, Ohio, Oklahoma, Tennessee, and Texas. Coaching (the non-clinical kind) is available in all 50 states. Clinical visits and prescriptions are not.
Insurance plans Elektra lists by state
| State | Plans Elektra currently lists |
|---|---|
| New York | Aetna, Anthem Blue Cross Blue Shield, Centivo, Cigna, EmblemHealth, Fidelis, Healthfirst, Medicaid, Medicare, MetroPlus, Molina, MVP Health Care, Oscar, Oxford, UnitedHealthcare, WellCare |
| Connecticut | Aetna, Anthem Blue Cross, UnitedHealthcare, ConnectiCare, WellCare, Medicare |
| Massachusetts | Aetna, Medicare |
| Florida | Oscar, Medicare |
| Pennsylvania | PA Health & Wellness, UnitedHealthcare, Medicare, Medicaid |
| New Jersey | Aetna, Horizon Blue Cross Blue Shield, UnitedHealthcare, Medicaid, Medicare |
| Illinois | Aetna Better Health of Illinois (Medicaid) |
| AZ, GA, IA, MO, NE, OH, OK, TN, TX | Oscar (including the HelloMeno plan) |
Source: Elektra Health FAQ, checked July 20, 2026. Elektra recommends confirming your exact plan before your visit.
Read this before you get excited about a logo
Seeing “UnitedHealthcare” or “Aetna” on the list does not mean your particular plan is in-network. One carrier sells dozens of plans — employer, marketplace, Medicare, Medicaid, PPO, HMO — and they don’t all include Elektra. Some need a referral. Confirm three things with both Elektra and your insurer: is myplan in-network, do I need a referral, and what’s my estimated cost for a specialist telehealth visit. If you need a referral, request it at least a week before you book — Elektra’s FAQ says at least a week ahead, and its Practice Policies warn that referrals can take more than a week or two.
Does Elektra take Medicare?
In some states, yes — Elektra lists Medicare under New York, Connecticut, Massachusetts, Florida, Pennsylvania, and New Jersey. It’s not a nationwide yes, so check your state and plan.
Does Elektra take Medicaid?
In select states: New York, Pennsylvania, New Jersey, and through Aetna Better Health of Illinois. Verify your exact plan with both Elektra and your insurer.
Insurance vs. cash pay — quick plain-English guide
Copay
A flat dollar amount you pay for a visit (like $30).
Coinsurance
A percentage of the cost you pay (like 20%).
Deductible
What you pay out of pocket before your plan starts chipping in.
Insurance usually wins when:
- Your exact plan is confirmed in-network
- Your deductible is met or low
- You have a fixed copay
- There’s no referral roadblock
Cash pay is easier to predict when:
- You don’t want to untangle your benefits
- Your deductible is nowhere near met
- You want a known number today
- Your insurance responsibility is still fuzzy
Good news either way: Elektra says you can use an HSA or FSA card to pay for care visits. Whether every related purchase qualifies is up to your account rules, so keep your receipts.
How does Elektra’s cost compare to Midi, Hers, Sesame, and Winona?
Elektra and Midi both use a “pay for the visit, fill meds at your pharmacy” model, and both take some insurance. Hers and Winona charge a flat monthly price with medication included, but don’t bill insurance. The right pick depends on your state, your coverage, and whether you’d rather have one bundled bill or use insurance.
Their headline prices aren’t apples-to-apples, so here’s the real comparison — including which medications are FDA-approved and which are compounded.
| Provider | What you pay | Meds included? | Bills insurance? | Medicare / Medicaid? | Medication type |
|---|---|---|---|---|---|
| Elektra Health | Your plan’s share if insured, or $249 first / $149 follow-up cash | No (your pharmacy) | Yes — ~40 payer partners, 16 states | Yes | FDA-approved (testosterone in NY only) |
| Midi Health | Insured cost varies; $250 first / $150 follow-up cash | No | Yes (most PPO, all 50 states) | No Medicaid; no Medicare billing | Mostly FDA-approved; also compounded “Custom Rx” |
| Hers | From $79/mo (pills) or $134/mo (patch), 12-month plan | Yes | No | No | FDA-approved |
| Sesame | Menopause program ~$59/mo; meds separate | Varies | No (superbills only) | No | FDA-approved and compounded (varies by clinician) |
| Winona | From $39 (progesterone) / $54 (estrogen) / $89 (combo cream) per month | Yes | No | No | Mix — FDA-approved pills/patch + compounded creams |
Prices verified from each provider’s own pages, July 2026.
A note on medication type — it matters for safety
FDA-approved medications have been reviewed by the FDA for safety, effectiveness, and quality. Compounded medications are custom-mixed by a pharmacy and are not FDA-approved or reviewed before they’re sold. A compounded medicine can fill a specific need when an FDA-approved product won’t work — but the finished product isn’t FDA-approved, and it’s not automatically “natural,” “safer,” or “the same as” an approved drug. Elektra prescribes FDA-approved options; Midi and Sesame offer both; Winona’s body creams are compounded. See our FDA-approved vs. compounded HRT guide for more.
Who’s the better value?
- You have insurance Elektra takes (especially Medicaid or Medicare): Elektra may be the most affordable — it’s the only one billing insurance.
- You’re outside Elektra’s states, or want widest access: Midi covers all 50 states.
- You want one flat monthly bill with medicine included: Hers is the easiest to budget.
Is Elektra Health worth the cost?
For a woman in one of its states whose plan Elektra accepts — or who’s fine paying cash — Elektra is a strong value if you want menopause-specialist care plus optional coaching, not just a fast prescription. It’s less compelling if you’re outside its states, want one all-in monthly price, or need in-person care first. This is our editorial read of Elektra’s published facts, not a medical recommendation.
Clinical legitimacy
Elektra’s clinicians are board-certified, and many are Menopause Society Certified Practitioners — a credential that means they’ve passed an exam specifically in menopause medicine. Named clinicians include Dr. Nora Lansen (chief medical officer), Dr. Gail DeLasho, Dr. Dineasha Potter-McQuilkin, and nurse practitioners like Kara Govoni and Melody Lin, with founding physician Dr. Anna Barbieri of Mount Sinai.
Care quality and medication fit
You get a full 30-minute first visit, optional coaching for the in-between, and an education library. A genuine differentiator: Elektra doesn’t sell medication and says it has no financial incentive to push any particular prescription. It sends FDA-approved treatment to your own pharmacy.
Price transparency and access
This is the honest weak spot — your total isn’t one number you can see up front, and clinical care is limited to 16 states. But the insurance access (including Medicare and Medicaid) is a genuine edge, and the published cash fees are clear.
Company background
Elektra was founded in 2019 in New York and is venture-backed by UPMC Enterprises, Flare Capital, and Alexis Ohanian’s Seven Seven Six, with 100+ hours of evidence-based education behind its platform.
What patients say
Independent reviews are warmest where it counts. On Zocdoc, Elektra shows a 4.90 rating from 86 reviews(checked July 2026) — dated, third-party feedback about the visit experience, not proof a treatment will work. Two testimonials published by Elektra:
“Finding providers that are up to date on menopause relief has been the absolute hardest to navigate. [Elektra is] truly personal and caring. No hard sales, no fad treatments. It was purely about finding out what I needed.”
“I have never felt so seen and heard. My last doctor was so dismissive of my symptoms, told me ‘well, some people just have it worse in perimenopause. There’s nothing we can do.’ I will absolutely recommend Elektra!”
These are company-selected comments describing someone’s experience— how the visit felt — not proof that a treatment will work for you or be safe for you. Every woman’s response to HRT is different.
One more piece of context: an Elektra-commissioned actuarial analysis of 2021 insurance-claims data for 2.6 million women ages 40–60 found that the group with a recorded menopause diagnosis had about 45% higher yearly healthcare costs — roughly $4,637 more— than the group without one. That’s an association in a company-sponsored study; it doesn’t prove menopause caused the difference or that Elektra lowers your costs. But it’s a fair reminder that scattered, unfocused care isn’t free either.
Best fit, at a glance
| Your situation | Our read |
|---|---|
| Your plan is accepted, you’re in a clinical state | Elektra is a strong option — verify your cost |
| In a clinical state, but no accepted plan | Compare the $249/$149 cash stack against a flat-price option |
| Outside Elektra’s clinical states | Choose an all-50 provider (Midi) or a local clinician |
| On Medicare or Medicaid | Check your exact state/plan — Elektra is one of the only options |
| Want compounded treatment | Not Elektra’s model — it prescribes FDA-approved only |
| Want FDA-approved meds through your own pharmacy | Elektra fits that preference well |
| Need an in-person exam or bleeding workup | Start with in-person care |
What should I confirm before booking Elektra?
Before you book, confirm five things: your state, your exact plan, the appointment type, your likely out-of-pocket cost, and any charges outside the visit. Five minutes of checking beats trusting a logo, a “free call” label, or an estimated copay.
- Confirm your state. Clinical visits and coaching don't cover the same places. Make sure clinical care is available where you live.
- Confirm your exact plan. Give Elektra and your insurer your full plan name, not just the carrier.
- Ask what a specialist telehealth visit costs you — copay, coinsurance, deductible status, and whether you need a referral.
- Ask about meds and labs. Where will the prescription go, and what does your plan cover for any labs your clinician orders?
- Confirm what you're booking — free intro call, clinical visit, or coaching — and which cancellation rule applies. Save the confirmation.
Steal this script — copy, paste, and send to Elektra or your insurer:
“Before I book, please confirm: Is this a free intro call or a billable clinical visit? Is my exact plan, [plan name], in-network in [state]? Do I need a referral? What’s my estimated cost for a specialist telehealth visit? And will prescriptions, labs, or coaching be billed separately?”
Get those answers in writing and the known booking-cost questions are settled. Claim processing and any future care can still change the total — that part is normal, and it’s true anywhere.
Ready to see your own number?
The intro call is free, and you can text a photo of your insurance card to Elektra to confirm your plan before you book.
See Elektra’s plans & check your coverage →What did The HRT Index actually verify?
We built this page using The HRT Index Verification Standard — our documented process for reviewing providers: read every published price, separate FDA-approved from compounded, confirm state availability and insurance, and re-check on a fixed schedule. We don’t assign made-up scores.
We checked each price against Elektra’s current FAQ and Practice Policies (last updated by Elektra June 25, 2025) and confirmed the competitor prices against each provider’s own pages. Where sources disagreed, here’s how we called it:
- Older third-party pages still quote an Elektra membership fee. We use Elektra’s current statement: no membership fee for clinical care.
- Some pages give vague price “ranges.” We use Elektra’s exact published visit fees.
- Some directories list 13 states or add California. We use Elektra’s own 16-state list.
- Elektra’s own pages show more than one patient-recommendation percentage without a public methodology, so we don’t use those figures — we cite the dated, independent Zocdoc rating instead.
We’re an independent editorial team. This page was not medically reviewed by a clinician, and we don’t pretend it was. We record material corrections and price updates on this page. If you spot something that’s changed, tell us and we’ll fix it. For how we handle sourcing and review, see our medical review policy.
Last verified:July 20, 2026. Prices sourced from Elektra Health’s own FAQ and Practice Policies, checked July 20, 2026.
Elektra Health cost — frequently asked questions
How much is Elektra Health without insurance?
Does Elektra Health charge a monthly fee?
How much are Elektra follow-up visits?
How much does Elektra coaching cost?
Are medications included in the price?
Are labs included?
Does Elektra take insurance?
Does Elektra take Medicare?
Does Elektra take Medicaid?
Can I use an HSA or FSA card for Elektra?
Is there a cancellation fee?
Will my card be charged after the visit?
Is the Elektra intro call free?
Does Elektra prescribe testosterone?
What states does Elektra serve?
Does Elektra prescribe compounded HRT?
Is Elektra cheaper than Midi?
How often will I need follow-up visits at Elektra?
Compare Elektra to other providers:
Still deciding?
Elektra is a real, credible option — and for insured women, especially on Medicaid or Medicare, it can be one of the most affordable ways to get menopause care from a specialist. But “affordable for you” comes down to your plan, your state, and what you actually need.
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