National HRT Reviews for Women: What to Check Before You Pay

National HRT reviews for women are too thin in the sources we could read to judge its menopause care by stars. Its posted agreement says the doctor may not be licensed in your state. Before paying, confirm the current terms, the prescriber's authority to treat you where you are, your exact medicine and full price.

National HRT may still suit you if you:

• Like starting with a phone conversation instead of an online form
• Are fine getting blood drawn at a local lab and a physical exam from your own doctor
• Are willing to get the doctor's name, state license, medicine and total cost in writing before you pay

Start somewhere else if you:

• Want to see a price before you share your health history
• Need insurance to help pay
• Have unexplained vaginal bleeding, which needs medical assessment before HRT, or a past blood clot, stroke, heart attack, or breast or uterine cancer that needs review by a clinician who knows your history. An in-person exam may be needed.

One thing to know up front. National HRT's website is built mostly around human growth hormone (HGH) and testosterone, and most of its women's hormone pages were last updated between 2016 and 2020. That doesn't make the care bad. It means the website can't answer your biggest questions, so the clinic has to, in writing.

Two quick routes

Set on National HRT? Its free consultation starts with a phone call. Keep our questions open while you talk. Jump to the 12 questions to ask

Want standard menopause HRT with a price you can see first? Gala advertises $69 a month for online clinician review, prescription and shipping. Its menu includes estradiol pills or patches, micronized progesterone, vaginal estradiol and non-hormonal options. Confirm which medicines the price includes and the billing terms. A licensed clinician decides what, if anything, you're prescribed.

Affiliate link. We may earn a commission if you choose Gala. We earn nothing from National HRT.

The HRT Index is the independent decision resource for online menopause and HRT care — comparing telehealth providers on clinical legitimacy, care quality, medication fit, price transparency, and access, with every claim verified and dated, so women can choose the path that fits their situation before their first consult.

Where something couldn't be confirmed, we say so. A blank isn't a yes.

How we make money: Gala is a featured affiliate partner, and we may earn a commission if you start care through a labeled Gala link. Links to National HRT, Midi and Alloy on this page are plain editorial links. Featured placement doesn't mean better medical care. Read our affiliate disclosure.

What we actually verified · Last verified October 2026

Our October 23, 2026 documentation review covers: National HRT's homepage, contact page, clinic page, posted medical history form and patient agreement, estrogen and progesterone cost pages, estrogen therapy page, testosterone-for-women page, HGH-and-menopause page and review-process page at hgha.com. We also read its ProvenExpert and RatingFacts profiles, Florida's official corporate record, and the Gala, Alloy, Midi, FDA, HHS, Menopause Society and Mayo Clinic sources cited below.

We confirmed in published materials: National HRT lists a West Palm Beach, Florida office. Its 2016 clinic page says it treats men and women, doesn't treat adults under 30, starts with a free phone consultation, and asks for local lab work, a physical exam and an online medical history. Its posted patient agreement says the physician may not be licensed in your state, treats care as happening in Florida, requires cash for local-pharmacy prescriptions, says services aren't covered by insurance, and gives no refunds on medication. Ask whether those process, age and agreement terms still apply to your care.

We did not: call, sign up, pay, talk to a clinician or receive medication. This is a review of public documents, not a patient test.

We could not confirm: a complete current women's treatment price, any prescribing clinician's name or license, a current age or state list, the exact medicines a woman would get, cancellation terms, or an independent menopause-care star rating.

On this page: Who National HRT is · Reviews · What's documented · The patient agreement · Who prescribes · The free call · Medicines · Testosterone · HGH · Cost · Insurance and refunds · Is it legit · Which path fits · Alternatives · Health factors · 12 questions · How we reviewed · Quick answers

Who is National HRT, and is it the clinic you mean? {#who}

National HRT is a hormone clinic that runs the website hgha.com and lists an office at 2475 Mercer Avenue, Suite 101, West Palm Beach, Florida 33401, phone 561-570-7000. It offers hormone treatment to men and women, with most of its website devoted to HGH and testosterone.

Check the website and phone number before you trust any review. The name "National HRT" is easy to mix up with other things.

• It's not a government or national health program. "National" is part of the brand name. It doesn't prove the clinic can treat you in every state.
• It's not the U.K. "HRT review." In the U.K., an "HRT review" can mean a routine check-up where your own doctor looks at your hormone prescription. The NHS describes regular reviews of HRT; this page is about the U.S. clinic.
• It's not another company with "HRT" in its name. Hormone clinics with similar names exist. The reviews on this page are about hgha.com and the West Palm Beach address only.

Here's what National HRT's own pages say about who it treats and how it works (all read October 23, 2026):

Florida's official business record lists National HRT Corporation at the same Mercer Avenue address, filed February 2, 2016, and active. The website's footer reads © 2014–2026. The corporate record confirms a registered business; it doesn't verify the clinicians or care.

National HRT reviews for women: what the review sites show {#reviews}

The sources we could read gave us very little patient evidence about National HRT's menopause care. ProvenExpert and RatingFacts showed no patient reviews, and the only testimonials we found are three short, unnamed quotes the clinic posts on its own homepage.

Here's where we looked.

We didn't find a Trustpilot or Better Business Bureau profile in our searches. That doesn't prove none exists. It means we couldn't read one.

Why the reviews that exist don't answer your question

Different kinds of "reviews" answer different questions. Here's how to read each one.

Only one of National HRT's three homepage quotes names a treatment: HGH. None mentions menopause, and none has a name or date. Treat them as marketing.

Few reviews isn't proof of bad care. Small clinics often have a small online footprint. But it does mean you have less outside evidence, so you need more answers in writing. The next section shows exactly which answers.

What can you know about National HRT before you pay? {#documented}

Before you pay, National HRT's public pages tell you its address, an age limit and process described on its 2016 clinic page, and the terms of its posted patient agreement. They don't tell you who will prescribe, whether that person can treat you in your state, which medicine you'd get, or what it will cost.

We matched each public statement with the question it leaves open. Use the right-hand column as your script.

What's documented, what's still open, and what to ask (checked October 23, 2026)

This table makes one thing easier: you can see whether you have enough to decide, and which single missing answer matters most to you. It isn't a score, and it isn't based on being a patient.

Still considering National HRT? Keep this table beside you when you contact the clinic, and ask for the current women's care terms and an itemized quote before you pay.

Not sure a clinic like this is even the right kind of care for you? Ratings can't answer that, because the right choice depends on details only you know.

The right online menopause care isn't the same for every woman — it depends on your symptoms, what you've already tried, your age, your state and your health history. Some situations belong with an in-person clinician first. Use The HRT Index's Find My HRT Path tool to explore a featured care option for your situation — and to flag when online care isn't the right starting point — before your first consult.

It's free, takes about 60 seconds and doesn't ask for your email. It asks five questions and points you to a featured online option or to guidance about a different starting point. It doesn't diagnose anything or decide whether you should take hormones; a clinician does that. We may earn a commission from the providers it features, and that affects which ones appear. (How the tool works.)

What does National HRT's patient agreement say? {#agreement}

National HRT's online medical history form ends with a patient agreement you sign digitally. It says the physician may not be licensed in your state, that care is treated as happening in Florida, that insurance doesn't cover the services, that local-pharmacy prescriptions are paid in cash, and that medication isn't refundable.

Most people skim agreements like this. This one is worth reading slowly, because it answers questions the rest of the website doesn't. Here are the key lines in plain English. The quotes come from the medical history form page reviewed for this article. Ask whether this is still the agreement used for women's menopause care before you sign.

We aren't saying National HRT breaks any rule. A clause in an agreement doesn't tell us who your clinician would be or how they're licensed. It tells you what to ask.

The rule the first row points to comes from the U.S. Department of Health and Human Services, which says clinicians who provide telehealth must "be licensed or legally permitted to practice in the state where the patient is located" (HHS Telehealth, licensure basics, updated February 21, 2024). Some states have special telehealth registrations or compacts, which is why the exact answer depends on the doctor and your state.

What the form asks you to share

The online form asks for your name, contact details, driver's license number, date of birth, height and weight, your primary doctor, dates of recent screenings such as mammograms and Pap tests, your medical and family history, past hormone use, and the symptoms you hope to improve.

That's a lot of sensitive information to type into a website before you know the price or the doctor. A gentle tip: have the free phone conversation first, get your answers in writing, and ask how your information is protected before you fill in the form.

Who prescribes at National HRT, and can they treat you in your state? {#prescriber}

What matters is the individual who will review your health history and write your prescription, not just the clinic's name. National HRT's public pages don't name that person, so you'll need to ask for a name and check the license yourself.

How to check a prescriber in three steps

1. Get the full name and role. Ask: "Who will prescribe for me? Are they a physician (MD or DO), nurse practitioner or physician assistant?"
2. Check authority in the state where you'll be during care. Physicians are licensed by state medical boards. The Federation of State Medical Boards keeps a directory of official boards, and nurse practitioners are licensed by state nursing boards. Search the board for the state where you'll be during visits; ask about any other legal permission the clinician relies on.
3. Ask about menopause training. A license and menopause expertise are different things. The Menopause Society keeps a public directory of menopause practitioners.

Does National HRT serve your age and state?

National HRT's 2016 clinic page says it doesn't treat adults under 30. It says it offers testing "throughout the US," but we found no current prescribing-state list or maximum age. Confirm the current age rule and your state's availability before you schedule lab work.

A simple example. Say you live in Ohio but spend winters in Arizona. Ask which state the doctor can treat you in, because the rule follows where you are during the visit, not where the clinic is.

Quick self-check: After your call, could you write down the name of the person who would prescribe for you? If not, ask again before you pay.

Is National HRT's free consultation a doctor visit? {#call}

National HRT describes its free consultation as a phone conversation with a "hormone specialist" or "medical advisor," followed by lab work, a physical exam and a doctor's review. The public description presents the call as an introduction; it doesn't establish that you'll speak with the prescribing clinician or promise a prescription.

Here's the process as National HRT describes it on its clinic page:

1. Free phone call. A "fact-finding session on both ends," with questions about your symptoms.
2. Lab work. The specialist helps schedule blood work at a local lab, early in the morning while fasting.
3. Physical exam. Required, but done by your own doctor or a walk-in clinic. The results are sent to National HRT.
4. Health questionnaire. Filled out online.
5. Doctor review and prescription, if appropriate, filled at a U.S. pharmacy.

That means you may pay three different places before treatment starts: the lab, your own doctor or walk-in clinic, and National HRT or its pharmacy. Ask which steps are paid separately.

Do you need blood tests to get menopause treatment?

Blood tests are often unnecessary to diagnose typical menopause. Tests before treatment depend on your history and the medicine being considered. Mayo Clinic explains that hormone levels change during perimenopause, which can make them hard to interpret (Mayo Clinic, menopause diagnosis, July 9, 2026).

That doesn't make lab work wrong. A clinician may want tests to rule out other causes of your symptoms, such as thyroid problems, or to check safety for a specific medicine. A bigger lab panel isn't automatically better care, and fewer tests isn't automatically worse. The useful question is: "What will each test tell you, and would the answer change my treatment?"

Which hormone treatments does National HRT offer women? {#medicines}

National HRT's articles discuss estrogen, progesterone, testosterone and HGH for women. The older estrogen, progesterone and testosterone articles are educational pages, not a current prescribing menu; its HGH-and-menopause page was updated in May 2026. Ask for the exact product you'd receive and whether it's FDA-approved or compounded.

Estrogen

National HRT's estrogen cost page lists many brand-name products as examples of what exists: pills such as Estrace and Premarin, patches such as Climara and Vivelle-Dot, combination patches such as CombiPatch, gels and sprays, and vaginal products such as Vagifem and Estring. It's a list of options in general. It doesn't say which ones National HRT prescribes today, and the page was last updated in December 2017.

Two terms help here:

• Systemic estrogen travels through your whole body. Pills, patches, gels and sprays are systemic. They're used for hot flashes and night sweats.
• Local vaginal estrogen is a low-dose cream, tablet or ring placed in the vagina for dryness, painful sex and some urinary symptoms. The Menopause Society says very little reaches the bloodstream, "so the risks are far lower." Some vaginal rings are higher-dose and work systemically, so ask which kind you're being offered. (The Menopause Society, hormone therapy.)

One detail on National HRT's estrogen therapy page is worth knowing. It says estrogen can help reduce "dangers from osteoporosis, obesity, diabetes, heart disease, and high cholesterol." The same page lists heart disease and diabetes among reasons some women shouldn't use estrogen, and says estrogen shouldn't be used to prevent heart attack or stroke. Current menopause guidance treats hormone therapy as a treatment for symptoms, and for bone protection in some women, not as a way to prevent heart disease. The mixed message is one more reason to rely on your clinician's current advice, not an eight-year-old web page.

Progesterone, and protecting your uterus

If you still have your uterus and take systemic estrogen, you usually need a progestogen, a hormone such as progesterone, to protect the lining. The lining of the uterus is called the endometrium, and estrogen alone can make it grow too much. The Menopause Society explains the need for uterine protection with systemic estrogen; low-dose local vaginal estrogen is a different situation.

National HRT's progesterone cost page lists cream, pills, injections and vaginal gels or inserts as ways progesterone can be given. It doesn't say which one it would use for you. A progesterone skin cream shouldn't be assumed to protect the uterus. The British Menopause Society says absorption through the skin is variable and may not provide enough endometrial protection. Ask: "If I have a uterus, exactly how will my lining be protected, and with which product?"

FDA-approved or compounded?

• FDA-approved means the finished product, the actual pill or patch, was reviewed for safety, effectiveness and consistent quality.
• Compounded means a medicine is mixed or changed to meet a patient's needs. The FDA says, "Compounded drugs are not FDA-approved." It does not review their safety, effectiveness or quality before sale (FDA, Compounding Q&A).
• Bioidentical describes the molecule. It means the hormone has the same structure as the one your body makes. Many FDA-approved products are bioidentical; so are many compounded ones. The Menopause Society says custom-compounded hormones "are not safer or more effective than approved bioidentical hormones."

National HRT's homepage promises "brand name medications." Its women's testosterone page recommends compounded cream. Both can be true. Ask about each product.

For a list of approved options, see our FDA-approved HRT medication list and our explainer on compounded vs FDA-approved HRT.

Does National HRT prescribe testosterone to women? {#testosterone}

National HRT's testosterone-for-women page says a "custom compounded cream" is how it treats low testosterone in women; confirm its current offer. No testosterone product has an FDA-approved indication for menopausal symptoms. Using an approved testosterone product for these symptoms is off-label; a compounded cream isn't an FDA-approved product.

Here's what to know.

• It's a controlled medicine. In the U.S., testosterone is a Schedule III controlled substance and needs a prescription.
• The FDA describes off-label use. On the page for its September 17, 2026 public workshop, the FDA described "growing off-label use of testosterone therapy in menopausal women" and said "critical knowledge gaps remain" (FDA public workshop page). Off-label means an approved drug is used outside its approved labeling. The workshop was not an approval.
• The symptom list is very broad. National HRT's page lists weight gain, joint pain, hair thinning, fatigue, forgetfulness, insomnia, high cholesterol and heart problems as signs of low testosterone in women. Those symptoms are common and have many causes. A list like that isn't a diagnosis.
• Injections are a different story. The same page says injectable testosterone "is not recommended for women, except in certain situations." If injections come up, ask why.

Questions that change the decision: "What symptom are we treating? Why this product instead of an FDA-approved option for that symptom? How will you check my levels, how often, and what side effects should I watch for?"

If low desire is your main concern, our libido guide explains the options and the questions to bring to a clinician. Gala's HRT menu, discussed below, doesn't list testosterone.

Can HGH help menopause symptoms? What National HRT says and what the FDA says {#hgh}

HGH (human growth hormone) is FDA-approved for a limited number of medical conditions, such as confirmed adult growth hormone deficiency, not for aging or menopause. Confirming adult deficiency usually requires a stimulation test, which checks how the body releases growth hormone, not simply a low IGF-1 blood result. That's why it matters if a clinic suggests HGH for menopause symptoms.

National HRT's site is mostly about HGH, and its "HGH and Menopause Treatment" page was updated on May 4, 2026. It says HGH can help menopausal women with belly fat, muscle, skin, energy, mood, bones and sleep, alongside estrogen. To its credit, it also says HGH "won't stop hot flashes the way estrogen therapy does" and "shouldn't replace estrogen replacement therapy."

Here's how its main claims line up with official sources.

What this means for you. If your goals are fewer hot flashes, better sleep, steadier mood or vaginal comfort, HGH isn't the standard tool. Those symptoms have well-studied treatments: estrogen with or without a progestogen, local vaginal estrogen, and non-hormonal medicines. If you truly suspect a pituitary problem, for example after pituitary surgery, a pituitary tumor or a serious head injury, that's a job for an endocrinologist.

We aren't saying National HRT does anything unlawful. We're explaining the rule so you know what a legitimate HGH prescription requires.

Came here curious about HGH but really want relief from menopause symptoms? Those have standard treatments, and the first step is figuring out which kind of care fits you.

How much does National HRT cost for women in the first 90 days and after? {#cost}

National HRT doesn't publish a current women's treatment price on the pages we read, so its first-90-day and ongoing cost can't be calculated from them. Its 2017 estrogen cost page says a single number isn't possible, and that blood testing and treatment cost the same wherever you live. You'll learn your total only by asking for a current itemized written quote.

What adds up in a clinic like this

With National HRT's process, these are the pieces that can cost money. Each one is a question, not a number:

• The first phone consultation (advertised as free), and any separate prescribing-clinician fee
• The lab panel, and any lab draw fee
• The physical exam with your own doctor or a walk-in clinic
• Each medicine, its amount and how long it lasts
• Shipping
• Follow-up labs and doctor reviews
• Any program or membership fee

The rule that protects you: a cost you don't know isn't $0. If any required line is unknown, your total is incomplete.

Complete-the-quote worksheet

Ask the clinic to fill in each line. Keep the finished version private.

MY HRT QUOTE CHECK (keep private)

Clinic: ______________________   Date I asked: __________
Consultation:     free / $______ / unknown
Physical exam:    $______ (my doctor / walk-in) / not required / unknown
Lab panel:        $______   Tests: ______________   Insurance OK? ____
Medicine 1:       ______________  $______ per ____ days
Medicine 2:       ______________  $______ per ____ days
Shipping:         $______ / included / unknown
Follow-up:        $______ every ______ / included / unknown
Program fee:      $______ every ______ / none / unknown
First charge:     $______ on ______ (before / after doctor review)
Cancel by:        ______________   Refundable: ______________

FIRST 90 DAYS = every charge from my start date through day 90,
including required extras once. Don't add an included item twice.
If any required cost, or whether it applies, is unknown, my total is
INCOMPLETE. Don't write $0. Keep unresolved terms separate.

A worked example, with no made-up prices. Say National HRT quotes you a monthly price for one medicine, but the lab and exam lines are blank. Your result isn't "cheaper than everyone else." It's: "Total incomplete. Ask for the lab cost, the exam requirement, any doctor fee and the refill schedule."

How a published price compares

Here's how the math works for services that do publish prices. These are examples built from advertised prices, not quotes. Gala advertises $69 a month; we could not confirm its exact HRT renewal interval. The 28-day examples below are hypothetical, not verified Gala billing terms.

Three calendar-month charges aren't always the same as the first 90 days. For example, January 1, February 1 and March 1, 2026 fall inside the 90 days starting January 1; a different start date can bring a fourth monthly charge into a 90-day window. Ask for actual dates.

Alloy's product refills bill and ship automatically every three months. At the listed starting prices, the pill refill is from $119.97 per three-month supply, or from $188.97 with progesterone; the $49 consultation is described as one-time. Your exact prescription and any extra care still affect the total.

Gala's page describes its price as "$69/month — flat, forever." That's advertising, not a contract we've seen. Before authorizing payment, check the complete prescription price, the amount due now, the next billing date and any minimum commitment.

If seeing the price first is what matters most, Gala's HRT plan shows an advertised monthly price before you share your full history. Check that your checkout screen matches it, and ask which exact medicine is included.

Affiliate link. A clinician decides whether treatment is appropriate.

For a wider look at what menopause care costs, see our HRT cost guide.

Can you use insurance, cancel or move your care from National HRT? {#insurance}

National HRT's patient agreement says its services aren't covered by Medicare or other insurance and that local-pharmacy prescriptions are paid in cash. It also says medication isn't refundable. Insurance, cancelling and moving your records are three separate questions, so ask about each one.

Insurance

Under the agreement's terms, plan to pay yourself. But insurance can still matter in two places:

• Labs. You may be able to run blood work through your own insurance. Ask whether National HRT will accept results from your own doctor.
• Generic medicines. Many common menopause medicines are inexpensive with a pharmacy benefit. The agreement's cash-only line for local pharmacies is worth asking about before you sign.

Which group are you in?

• PPO plan with low copays: an in-network menopause clinician may cost you less.
• Medicare: National HRT's agreement says it isn't covered. Midi says Medicare is out of network and accepts self-pay, but says those patients cannot submit claims related to Midi visits, medications or associated services. Your own covered doctor is a good first call.
• Medicaid: Midi says it cannot treat Medicaid or Medi-Cal patients, even as self-pay. Start with your plan's covered clinicians.
• No insurance or a very high deductible: a flat cash plan may be simpler to budget.

If insurance is the deciding factor, start with your actual plan. Midi says it's in-network with most PPO plans and lets you check your plan by state.

Cancelling and refunds

We found no posted cancellation terms. The only refund rule is in the agreement: "there will be no refund given for any medication." Stopping future charges, getting money back and arranging ongoing care are three different things. Ask for the renewal date, the cancellation deadline and written confirmation when you cancel.

Keeping your records and moving your care

Ask how to get copies of your lab results, prescriptions and notes. A new clinician will want them. Before you move care, ask who will handle a refill that comes due during the switch. Don't stop or stretch a hormone medicine on your own; talk with the clinician who prescribed it.

Is National HRT legit? {#legit}

National HRT has a Florida street address, a phone number and an active state corporate filing from 2016. What we couldn't confirm is what matters most for your care: who the prescribing clinician is and whether that person is licensed or otherwise legally permitted to treat you where you'll be during care.

Our editorial view: National HRT has a confirmed corporate record, but that doesn't settle the questions about its care. It hasn't published enough for us to recommend it confidently for menopause care. That could change if it named its doctors, listed the states it serves, posted prices and terms, and updated its women's pages. Until then, use the 12 questions below before deciding.

Which path fits you? {#path}

The right next step depends on what matters most to you: a phone-first clinic, a price you can see, insurance, a specific symptom, or answers about HGH or testosterone. Find your situation below.

Three quick questions change the route: Do I need to use insurance? Do I need a specific FDA-approved product? Do I have a complete written quote? Your answers point you to a row above.

If you're in the second row, Gala is a direct starting point for cash-pay online menopause care with an advertised monthly price. Its menu covers estradiol pills or patches, micronized progesterone, vaginal estradiol and non-hormonal options such as fezolinetant, all reviewed by a licensed clinician online. Before you pay, ask which exact product you'll receive and whether your full prescription is included.

Affiliate link. A clinician decides whether treatment is appropriate.

How does National HRT compare with Gala, Alloy and Midi? {#compare}

Compared with National HRT, online menopause services such as Gala, Alloy and Midi publish more before you pay: a price, a treatment menu or insurance details. National HRT relies on a phone consultation, local labs and an outside exam. Which is better depends on how you want care and how much you want to know up front.

What you can know before you pay

This compares published terms. It isn't a medical comparison, and none of these services was tested by us as patients. Sources: Gala's offer and general policy; Alloy's billing, cancellation, notice period and lab policy; Midi's costs and cancellation.

When Gala is the stronger alternative

Gala is worth a look if you want cash-pay online menopause care with one advertised monthly price, delivery and ongoing messaging, and you don't need HGH, testosterone or insurance billing. Compared with National HRT, its biggest advantage is simple: you can see the price and the menu before you hand over your history.

Gala offers four menopause treatment groups. Every one requires a clinician's approval, and they aren't all prescribed together.

The uses above come from menopause guidance, not Gala's outcome claims. A small randomized study of oral progesterone and sleep supports the qualified sleep statement; it doesn't establish a typical Gala result.

On fezolinetant (brand name Veozah): its FDA label carries a boxed warning about rare but serious liver injury and requires liver blood tests before and during treatment (DailyMed, Veozah label). "Non-hormonal" doesn't mean "no monitoring," so ask who arranges those tests.

Gala's public pages also describe ongoing provider messaging, symptom check-ins, dose adjustments and free shipping, and say a provider usually reviews your assessment within a day. Those are Gala's statements; we haven't tested them.

Gala's honest limits, so you can decide well:

• It doesn't name the exact pill or patch it dispenses, and one HRT landing page carries a general compounded-medication notice. That notice doesn't establish that its HRT medicines are compounded. Ask which product you'll get.
• Its general refund policy requires cancellation at least 72 hours before billing, but uses weight-loss language. Ask which cancellation and refund terms apply to your HRT subscription.
• Confirm when your first charge happens, whether $69 covers every medicine prescribed, and who pays for any labs. One HRT page says you're charged if approved; the general refund policy says the first charge occurs at intake.
• Its Trustpilot score covers all Gala programs, including weight loss, so it isn't an HRT-only rating. On October 23, 2026, Trustpilot showed 4.6 out of 5 from 4,242 reviews across Gala's services, and the Better Business Bureau showed 2.84 out of 5 from 51 customer reviews, including accounts of cancellation and refund problems. Gala's own HRT pages still display 4.8 on Trustpilot, which didn't match.
• It doesn't bill insurance and doesn't list testosterone or HGH.

Gala posts this patient comment on its hormone page: "Gala's provider walked me through the options." (Attributed by Gala to Allison, 51. Provider-published; we couldn't verify it.)

Our full Gala Health HRT review covers the billing details, complaints and seven questions to ask.

When Alloy or Midi fits better

• Choose Alloy first if seeing named product types and per-product prices matters more than a single flat price.

• Choose Midi first if you want insurance to help or prefer scheduled video visits. Remember that visit fees don't include your medicine.

Other clinic-style reviews

If you're comparing several lab-based hormone clinics, these reviews may help: Renew Youth HRT reviews, Alpha Hormones reviews, Defy Medical for women, Marek Health for women and Viking Alternative reviews. For the full field, see our comparison of online HRT providers.

What health factors could change the right choice? {#health}

Your age, how long it's been since your last period, whether you have a uterus, and any history of blood clots, stroke, heart disease, liver disease or certain cancers all change which treatment and which kind of care make sense. A clinician weighs these, not a review page.

A few facts to bring to any consult:

• Timing matters. The Menopause Society says systemic hormone therapy helps moderate to severe symptoms when "initiated within 10 years of onset of menopause or under age 60 years." Outside that window, the decision is more individual.
• Some histories usually rule out systemic hormone therapy. The Menopause Society lists breast cancer, uterine cancer, unexplained uterine bleeding, liver disease, a history of blood clots and cardiovascular disease as reasons women generally should not use systemic hormone therapy. Non-hormonal options or a specialist may be the better start. Low-dose vaginal estrogen is a separate decision to discuss with your treating clinician. See our non-hormonal options guide.
• Unexplained bleeding comes first. Bleeding after menopause, or unexplained vaginal bleeding, needs medical assessment before starting HRT. An in-person examination or tests may be needed.
• Route can matter. The Menopause Society says blood-clot risk "may be lower if you use a transdermal estrogen, such as a patch, gel, or spray." Your history decides what's right for you.
• Labels changed in 2026. In February 2026, the FDA approved labeling changes for several menopausal hormone products. That isn't a finding that hormones are risk-free, and it doesn't change the status of compounded products. Our 2026 label changes explainer has the details.

None of this is advice to start, stop or change a medicine. It's what to mention so a clinician has the full picture. For more, read our guide to HRT benefits and risks.

What should you ask National HRT before you pay? {#questions}

Ask for one written answer that names the prescriber, the medicine, the full cost and what happens after you start. You don't have to agree to anything during the free call.

Copy this into an email, or keep it in front of you on the phone.

I'm asking about your current women's menopause care. Before I decide, please confirm in writing:

1. Who would prescribe for me, and what's their license type? What allows them to treat me in the state where I'll be during visits?
2. Is the free call with an advisor or with the prescribing doctor? Will I ever speak with the doctor directly? Is there a separate doctor fee?
3. Is the patient agreement on your medical history form still the current one? Does its "may not be licensed" line apply to me?
4. Which tests and exam are required, and why? What does each cost, and can you use my recent labs and exam?
5. Which exact medicines would you use, including product name, form, amount and pharmacy?
6. Is each medicine FDA-approved or compounded? If compounded, why for me?
7. If I have a uterus, how will my lining be protected with estrogen, and with which product?
8. What's due today, what does it cover, and what repeats? On what dates? Is there a minimum commitment or automatic renewal?
9. Can I use my insurance for labs or my own pharmacy benefit for a prescription?
10. How do I reach a clinician between visits, how quickly do they respond, and who do I call after hours?
11. What happens if I'm not prescribed anything, if I cancel, or if a refill already shipped? What's refundable?
12. If HGH or testosterone comes up: what diagnosis or symptom is it for, how was it confirmed, and how will it be monitored?

Please send the current agreement and an itemized quote. I'd like time to read them before paying.

It's okay to say, "Please email that to me. I'll decide after I compare." A good clinic won't mind.

NATIONAL HRT — MY ANSWERS (keep private)

Date asked: ________   Asked by: phone / email
1. Prescriber name, license type, my state OK?: ____________________
2. Advisor or doctor? Separate doctor fee?: _________________________
3. Agreement current? Licensing line applies?: _______________________
4. Tests / exam required, cost, recent results OK?: __________________
5. Exact medicines and pharmacy: ____________________________________
6. FDA-approved or compounded: ______________________________________
7. Uterus protection plan: __________________________________________
8. Due today / repeats / dates / commitment: _________________________
9. Insurance for labs or pharmacy?: _________________________________
10. Clinician contact and response time: ____________________________
11. Not prescribed / cancel / refund: _________________________________
12. HGH or testosterone details (if any): ____________________________

My decision:  continue with National HRT  /  compare others  /  see my own doctor

If the clinic's answers fit what you need, you can contact National HRT with these questions in hand.

How did we review National HRT? {#method}

We read National HRT's public website, posted patient agreement and review profiles on October 23, 2026, and checked medical and legal points against the FDA, HHS, The Menopause Society and endocrinology guidelines. We didn't call, pay or receive care, and we don't give National HRT a score.

We use The HRT Index Verification Standard, which groups our checks under five pillars, in this order.

What would change our view: posted prices and cancellation terms; named, checkable prescribers; a current women's medication menu that labels FDA-approved and compounded products; a body of verifiable patient reviews; and an updated agreement that answers the licensing question.

Read our full methodology and affiliate disclosure.

National HRT for women: quick answers {#faq}

Is National HRT legit? It's a registered Florida business with an address, phone and corporate filing. We found no named prescriber on the pages we read, and its posted agreement says the physician may not be licensed in your state. Check who will prescribe and their authority to treat you before you pay.

Are there verified National HRT reviews from women? Not on the profiles we could read. ProvenExpert was marked "Not reviewed," and RatingFacts showed zero reviews; the only testimonials we found were unnamed quotes on the clinic's own homepage. That's a limit of the evidence, not proof of bad care.

How much does National HRT cost? We found no current women's treatment price on the pages we read. Ask for an itemized written quote that includes labs, the exam, each medicine, shipping and follow-up.

Where is National HRT located? 2475 Mercer Avenue, Suite 101, West Palm Beach, Florida 33401. Phone 561-570-7000.

Is hgha.com the same as National HRT? Yes. hgha.com is National HRT's website.

Does National HRT take insurance? Its patient agreement says its services aren't covered by Medicare or other insurance and that local-pharmacy prescriptions are paid in cash. Ask whether you can use insurance for labs.

Does National HRT treat women in every state? It says it offers testing "throughout the US" but doesn't publish a state list. Ask whether your prescriber can legally treat you where you'll be during visits.

Is there an age minimum? Its 2016 clinic page says it doesn't treat adults under 30. Confirm the current minimum and maximum age before arranging tests.

Is National HRT's medicine FDA-approved? The FDA approves specific products, not clinics. National HRT promises "brand name medications," but recommends compounded testosterone cream for women. Ask about each product.

Can HGH treat menopause? HGH isn't FDA-approved for menopause, aging, weight loss or libido. It's approved for specific conditions, such as diagnosed adult growth hormone deficiency.

Does National HRT give women testosterone? Its women's page recommends a custom compounded cream. No testosterone product has an FDA-approved indication for menopausal symptoms. An approved product used for these symptoms is off-label; compounded cream is an unapproved product.

Can I get a refund? Its agreement says there's no refund on medication. We found no other posted refund or cancellation terms.

Bottom line: should you go with National HRT? {#bottom-line}

Go with National HRT only if a phone-first, lab-based clinic appeals to you and you're ready to get the prescriber's name, state license, exact medicine and total cost in writing first. If you mainly want standard menopause HRT with a price you can see before paying, a published-price online service is the simpler start.

The whole review in four lines:

• Reviews: very little patient evidence in the sources we could read. The clinic's own quotes are unnamed; one names HGH and none names menopause.
• Licensing: its agreement says the physician may not be licensed in your state. Get a name and check it.
• Price: no current women's treatment price found. The posted agreement excludes medication refunds; confirm the current terms.
• Medicines: estrogen and progesterone are discussed; its women's page recommends compounded testosterone cream; HGH is heavily promoted but isn't approved for menopause.

If what you want is ordinary menopause care, with a clinician reviewing your history online and a monthly price you can see first, Gala is a direct option to consider. Confirm the exact medicine, full price and billing terms at checkout.

Affiliate link. A prescription is never guaranteed; a licensed clinician decides.

Still not sure what kind of care fits you? That's a different question from "Is National HRT any good?" The free Find My HRT Path quiz asks about your symptoms, what you've tried, your age, your state and your health history. Then it shows a featured care option, or guidance when online care isn't the right starting point. It isn't a medical test.

And if you already have a doctor who knows your history, it's always fair to ask them first.

Sources

National HRT and its corporate record

These are public documents reviewed for this article. Ask the clinic whether its posted process and patient agreement apply to the care it would offer you now.

• National HRT homepage
• Contact page
• Clinic page, updated June 17, 2016
• Medical history form and posted patient agreement
• Estrogen replacement therapy, updated April 11, 2018
• Cost of estrogen therapy, updated December 13, 2017
• Cost of progesterone therapy, updated December 29, 2017
• Testosterone for women, updated August 17, 2020
• HGH and menopause treatment, updated May 4, 2026
• Review process, updated May 16, 2025
• Florida Division of Corporations — National HRT Corporation, P16000010820, checked October 23, 2026

Reviews and listings (checked October 23, 2026)

• ProvenExpert — National HRT Clinic
• RatingFacts — hgha.com
• Scam Detector — hgha.com — technical domain assessment, not a patient or medical-quality rating
• Trustpilot — Gala Health — company-wide reviews, not an HRT-only score
• Better Business Bureau — Gala Health customer reviews — company-wide customer reviews

Alternatives (provider text checked October 23, 2026)

• Gala — Hormone health
• Gala — $69 HRT plan page
• Gala — Alternate HRT page
• Gala — Progesterone and non-hormonal options — treatment-menu evidence, not clinical-outcome proof
• Gala — General cancellation and refund policy, dated February 2026; HRT-specific applicability unconfirmed
• Gala — General terms, dated September 22, 2026
• The HRT Index — Gala Health HRT review — further editorial context; prices and terms here use the primary sources above
• Alloy — HRT
• Alloy — Estradiol pill, progesterone and estradiol patch
• Alloy — Billing
• Alloy — Three-month supplies and notice for changes
• Alloy — Cancelling a product subscription
• Alloy — Lab testing
• Midi Health — Pricing and insurance
• Midi Health — Appointment costs and exclusions
• Midi Health — Cancelling or rescheduling

Medical, legal and regulatory

• HHS Telehealth — Getting started with licensure, updated February 21, 2024
• Federation of State Medical Boards — Official board directory
• FDA — Import Alert 66-71, human growth hormone, April 7, 2026
• Endocrine Society — Evaluation and treatment of adult growth hormone deficiency, original clinical practice guideline, June 1, 2011
• FDA — Public workshop: testosterone use in menopausal women, September 17, 2026 event page
• FDA — Testosterone workshop notice and regulatory background, August 18, 2026
• DailyMed — Testosterone enanthate prescribing information, updated May 8, 2026
• DEA — Controlled substance schedules, testosterone listed in Schedule III
• FDA — Compounding and the FDA: Questions and answers
• The Menopause Society — Hormone therapy
• The Menopause Society — Misinformation surrounding hormone therapy
• The Menopause Society — Find a menopause practitioner
• Mayo Clinic — Menopause diagnosis and treatment, July 9, 2026
• British Menopause Society — Progestogens and endometrial protection, May 2026
• Caufriez and colleagues — Randomized study of oral progesterone and sleep, 2011, original study abstract
• DailyMed — Veozah (fezolinetant) prescribing information, updated February 26, 2026
• FDA — Veozah liver-injury safety communication
• FDA — Menopausal hormone therapy labeling changes, February 12, 2026
• NHS — When to take HRT and regular treatment reviews

The HRT Index's navigation and editorial policies

• Find My HRT Path and how the tool works, public pages checked October 23, 2026
• Methodology and affiliate disclosure

The HRT Index is an independent editorial publication. We are not a healthcare provider, pharmacy or telehealth service. Nothing here is medical advice, a diagnosis or a treatment plan. For decisions about starting, stopping or changing hormone therapy, talk with a licensed clinician who knows your history. In an emergency, call 911.

MY HRT QUOTE CHECK (keep private)

Clinic: ______________________   Date I asked: __________
Consultation:     free / $______ / unknown
Physical exam:    $______ (my doctor / walk-in) / not required / unknown
Lab panel:        $______   Tests: ______________   Insurance OK? ____
Medicine 1:       ______________  $______ per ____ days
Medicine 2:       ______________  $______ per ____ days
Shipping:         $______ / included / unknown
Follow-up:        $______ every ______ / included / unknown
Program fee:      $______ every ______ / none / unknown
First charge:     $______ on ______ (before / after doctor review)
Cancel by:        ______________   Refundable: ______________

FIRST 90 DAYS = every charge from my start date through day 90,
including required extras once. Don't add an included item twice.
If any required cost, or whether it applies, is unknown, my total is
INCOMPLETE. Don't write $0. Keep unresolved terms separate.

NATIONAL HRT — MY ANSWERS (keep private)

Date asked: ________   Asked by: phone / email
1. Prescriber name, license type, my state OK?: ____________________
2. Advisor or doctor? Separate doctor fee?: _________________________
3. Agreement current? Licensing line applies?: _______________________
4. Tests / exam required, cost, recent results OK?: __________________
5. Exact medicines and pharmacy: ____________________________________
6. FDA-approved or compounded: ______________________________________
7. Uterus protection plan: __________________________________________
8. Due today / repeats / dates / commitment: _________________________
9. Insurance for labs or pharmacy?: _________________________________
10. Clinician contact and response time: ____________________________
11. Not prescribed / cancel / refund: _________________________________
12. HGH or testosterone details (if any): ____________________________

My decision:  continue with National HRT  /  compare others  /  see my own doctor