Online HRT Pay Per Visit: Which Menopause Providers Actually Bill Per Visit?

The HRT Index Editorial TeamIndependent women's health research

Last reviewed:August 14, 2026

Editorial research — not medically reviewed by a clinician. Why this label

Last updated: August 14, 2026 · Last verified: August 14, 2026 · By The HRT Index Editorial Team. Educational research, not medical advice, and not reviewed by a clinician. See our medical review policy. Full disclosure.

Match the care model before you pay

A visit buys a medical evaluation, not a guaranteed prescription. Use Find My HRT Path to match your state, insurance, medication preferences, and safety flags before choosing a provider.

Match your state, insurance, and care model

Some providers discussed on this page are affiliate partners elsewhere on The HRT Index. Any affiliate link in this article would be labeled where it appears. This does not change which providers we include, what we say about them, or what you pay.

Online HRT pay per visit starts at $75, but the cheapest option depends on your state and what happens after the first payment. MyBodyMyRx has the lowest fixed consult we verified. Circle Medical has the clearest broad-multistate cash pricing at $120 per appointment. Midi is the strongest insurance-first menopause specialist because it operates in all 50 states.

Here is the part nobody puts on the pricing card: a visit buys a medical evaluation, not a guaranteed prescription. Medication, labs, follow-ups, insurance cost-sharing, and the length of access after the visit can change the real price more than the headline number.

If you have in-network PPO coverage and want a menopause-focused clinic nationwide, Midi is the strongest all-round fit. Its published cash prices are $250 for the initial visit and $150 for continued-care visits, but an accepted insurance plan can change what you owe.
If you are paying cash and live in one of its listed service areas, MyBodyMyRx has the lowest fixed menopause consultation price we verified at $75.
If you want a simple published appointment price from a broad multistate primary-care practice, Circle Medical charges $120 for the first appointment and $120 for follow-ups.
If you want one payment to cover a defined care window rather than one appointment, Wisp charges $99 for the consult, follow-ups, and three months of care-team access.
If you use Medicare or Medicaid, do not assume a provider accepts your specific plan. Elektra is the clearest menopause-specialty route for both programs, but its contracts are state- and plan-specific.

This page is about menopause and perimenopause hormone therapy for women. It is not about gender-affirming hormone therapy, which has different clinical pathways, provider networks, pricing, and medication rules. Amazon One Medical also used “Pay-per-visit” as a product name; that product is now called On-Demand Care and is not the route Amazon uses for a full menopause visit.

Best for you if / Not for you if

Best for you if: You want a consultation, second opinion, prescription evaluation, or occasional check-in without committing to a recurring care membership. You want a prescription sent to your own pharmacy so you can use your pharmacy benefit or compare cash prices.

Not for you if: You expect frequent dose changes, want unlimited messaging between visits, or want care and medication bundled into one recurring payment. A subscription can genuinely cost less and create less friction when you need ongoing access. We will show you the tradeoff instead of pretending pay per visit always wins.

Which online HRT pay-per-visit option is best at a glance?

The best answer splits by insurance, state, and how much access one payment buys. MyBodyMyRx has the lowest fixed consult at $75. Wisp has the lowest nationwide one-time care window at $99 for three months. Circle Medical has the clearest fixed appointment price at $120. Midi is the strongest nationwide insurance-first menopause specialist.

If this is you	Strongest fit	Published self-pay care price	What the payment buys
You have PPO insurance and want a menopause-focused clinic in any state	Midi Health (Provider link; Midi is not currently an HRT Index affiliate.)	$250 initial; $150 continued care	One scheduled visit; medication and labs separate
You want the lowest fixed menopause consult and live in a listed state	MyBodyMyRx	$75	Asynchronous medical-intake review; phone or text if needed; screened before payment
You want a transparent flat appointment price from a broad multistate practice	Circle Medical	$120 initial; $120 follow-up	One primary-care appointment; no membership
You want one nationwide payment with a defined support window	Wisp	$99	Consult, follow-ups, and three months of care-team access
You want a menopause-specialist visit with broad multistate reach	MyMenopauseRx	$150 per virtual visit	One video visit; 24/7 care-team messaging is listed as included
You want 90 days of access without a membership	Evernow Pay-per-Visit	$150 per visit	Visit plus 90 days of prescription and care-platform access
You want a lower follow-up price and twelve months of app/coaching access	Stella	$200 initial; $90 follow-up	Visit plus 12 months of app access and unlimited coaching
You use Medicare or Medicaid and want menopause-focused virtual care	Elektra Health	Insurance cost-sharing or published self-pay rate where available	Visit; benefits and coaching vary by plan and state
You already use One Medical or live near its offices	Amazon One Medical scheduled visit	Confirm during booking	Scheduled primary-care menopause visit, not On-Demand Care

Medication is separate from every price in this table. A consultation fee is not the cost of a year of treatment. The prescription may be sent to a local pharmacy, but the medication price depends on the drug, dose, route, quantity, pharmacy, insurance benefit, prior authorization rules, and ZIP code.

Who pays us, and who does not?

We should say this before the recommendations, not after them.

Midi Health does not currently pay us a commission. Sesame Care is an affiliate partner, although Sesame’s menopause subscription is not our recommendation for a pay-per-visit search. MyBodyMyRx, Circle Medical, Wisp, MyMenopauseRx, Evernow, Stella, Elektra Health, and Amazon One Medical pay us nothing.

We also carry links to Hers, Winona, and Inner Balance elsewhere on this site. We have turned those links off on this page because their recurring medication programs are the opposite of what you searched for. That decision costs us money. It is still the right decision.

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.

The right online HRT provider is not the same for every woman — it depends on your symptoms, your age and whether you have a uterus, your medication route preference (patch, pill, gel, or vaginal estrogen), your risk history, your insurance or cash-pay situation, and your state. Some situations belong with an in-person clinician first. Because a general answer cannot resolve those for you, use The HRT Index's Find My HRT Path tool to match your situation to the right provider — and to flag when online care is not the right starting point — before your first consult.

What did we verify across all nine options?

We compared the commercial facts that determine whether “pay per visit” is real or just a different label on a subscription. The result is a provider-stated versus verified matrix that combines the initial price, follow-up price, access window, payment timing, insurance route, federal-plan limits, state reach, pharmacy flow, and unresolved gaps in one place.

Provider	Required recurring care fee?	Initial/self-pay price	Follow-up or renewal price	State reach	Insurance position	What we verified	What still needs confirmation	Primary source checked August 14, 2026
Midi Health	No separate membership	$250	$150	All 50 states	Most PPO plans; no Medicaid/Medi-Cal treatment, even self-pay; Medicare beneficiaries may self-pay but claims are not submitted	Current HRT pricing, nationwide availability, medication/labs excluded	Your exact network status, deductible, copay, visit cadence	Midi HRT pricing
MyBodyMyRx	No	$75	Not separately published	31 states plus D.C. listed	Cash-pay only; medication may use pharmacy insurance	Price, prescreen before checkout, nonrefundability after payment, pharmacy choice, blood-pressure and mammogram requirements	Follow-up price and refill interval	MyBodyMyRx HRT · FAQ
Circle Medical	No	$120	$120	32 states plus D.C.	Many PPO plans; Medicaid/Medi-Cal not accepted, even self-pay; some government-plan billing depends on plan/entity	Both cash prices, charge after completed appointment, no membership	Your provider’s network status and whether your Medicare plan is accepted	Circle menopause care
Wisp	No recurring membership for this product	$99	Confirm current price after three-month window	All 50 states	Consult is presented as self-pay; medication is paid at local pharmacy	Consult, follow-ups, three-month access, medication separate	What re-entry costs after the window and refill duration	Wisp menopause consult
MyMenopauseRx	No required membership	$150 per virtual visit	$150 per virtual visit on the current pricing page; lower-cost message visits may be offered for limited tasks	Booking flow says 42 states plus D.C.; homepage’s visible list currently shows 39 states plus D.C.	Seven named commercial carriers; no Medicare, Medicaid, or HMO plans	Current price, carrier list, refill requires a visit, insurance process	Your state in the live booking flow and which visit type a refill requires	MyMenopauseRx pricing · FAQ
Evernow Pay-per-Visit	No	$150	$150 per additional visit	Current FAQ says all 50 states plus D.C.	Major commercial plans; no Medicare or Medicaid	Price, 90-day access, current national claim, membership prices	Legacy Evernow material still conflicts on a few states; confirm at booking	Evernow FAQ
Stella	No required membership	$200	$90	Use current state checker	Marketing pages discuss insurance; current Terms say Vira Health does not accept commercial insurance or enroll in Medicare/Medicaid	Cash prices, 12-month app/coaching access, no-membership statement	Insurance status and state eligibility in writing before payment	Stella pricing · Terms
Elektra Health	No universal membership required for clinical visits	$249	$149	Select states and plan contracts	Commercial insurance plus select Medicare and Medicaid plans	Cash rates, government-plan participation, FDA-approved medication policy	Your plan, state, referral, copay, coaching benefit	Elektra FAQ · Insurance
Amazon One Medical scheduled visit	Membership not required to book a scheduled visit	Not published for menopause	Not published	Scheduled video care only where One Medical has offices	Billed like a primary-care visit when in network	Menopause is a scheduled visit; On-Demand Care is a different product	Cash price, provider availability, network status	One Medical menopause care

Evidence labels: “Verified” means the fact appears on a current provider page, help center, FAQ, legal document, or booking flow that we read in August 2026. “Provider-stated” means the company makes the claim; we did not enroll or independently test it. “Conflict” means two current or still-live company sources disagree. “Not published” means we left it blank instead of guessing.

What kind of visit are you actually buying?

The word “visit” hides a major care-quality difference. Some providers schedule a live video appointment. Others use an asynchronous medical intake with messaging, phone, or video only when needed. That difference can matter more than $25 if you want a real-time conversation.

Provider	Published interaction format	What that means before you pay
Midi Health	Scheduled virtual clinician visit	Real-time menopause-focused appointment
MyBodyMyRx	Asynchronous medical intake; text or phone communication as needed; some states require a quick call	Do not assume the $75 fee buys a standard live video appointment
Circle Medical	Scheduled video appointment	Real-time primary-care consultation
Wisp	Secure medical-history intake followed by provider outreach; phone or video chat when necessary	The standard flow may be asynchronous rather than a booked live-video slot
MyMenopauseRx	Live audio/video visit; about 20 minutes face to face within a roughly 30-minute clinician workflow	Real-time menopause-specialist appointment
Evernow Pay-per-Visit	Virtual/video visit	Real-time consult with a menopause-trained clinician
Stella	Scheduled video visit	Real-time clinician consultation
Elektra Health	30-minute initial video visit	Real-time menopause-focused appointment
Amazon One Medical scheduled care	Scheduled video or in-person visit where available	Primary-care appointment, not On-Demand Care

How does online HRT pay per visit actually work?

Online HRT pay per visit means you can obtain a menopause-care evaluation without paying a required recurring clinical membership between appointments. The phrase is used loosely. A true appointment fee, a fixed three-month access window, a monthly care subscription, and a medication subscription can all look similar until you ask what renews.

We used one inclusion rule: a service qualifies for the main comparison only when a woman can access a menopause evaluation without first accepting a required recurring care fee. Optional memberships are allowed. A one-time consult that automatically moves into a medication subscription belongs in a different table.

The five billing structures hiding behind the same language

A — True pay per appointment. You pay for a scheduled clinical encounter and nothing recurs automatically because of the visit. Examples include Midi, Circle Medical, MyBodyMyRx, MyMenopauseRx, Stella, Elektra, and Amazon One Medical scheduled care.

B — One payment, fixed access window. One charge buys a defined period of care. Wisp’s $99 product includes the consult, follow-ups, and three months of care-team access. Evernow Pay-per-Visit includes 90 days of prescription and platform access. Ask what happens on day 91.

C — Membership plus appointment fees. A recurring payment gives you platform access, then a visit may generate another charge. PlushCare’s public model is a familiar example: a monthly membership plus a copay or self-pay appointment price.

D — Care subscription. A monthly fee covers ongoing clinical access, messaging, or visits, while medication is paid separately. Sesame’s menopause program and Evernow’s membership use this structure.

E — Medication-bundled subscription. A recurring price covers the medication and care together. Hers, Winona, Inner Balance, and Alloy’s medication program fit here. Your pharmacy benefit generally cannot be applied to medication that is sold inside a platform bundle.

The sentence that explains why the distinction matters

Insurance can help with an eligible visit. It usually does not help with a standalone membership.

A covered appointment can be submitted as a medical claim and processed under your plan’s deductible, copay, and coinsurance rules. A standalone platform membership is generally a direct consumer charge rather than a medical claim, although it may be HSA/FSA-eligible or paid through an employer benefit.

That is why a “$150 visit” and a “$35 monthly plan” are not automatically comparable. One may be claimable under your health plan. The other may be entirely out of pocket. Neither number tells you the medication cost.

Not sure which structure you already have? Look at your card statement and account page. A charge tied to a completed appointment is usually a visit. A charge that lands on a fixed calendar cycle is usually a membership or subscription.

Which online HRT providers have no membership fee?

Midi Health, MyBodyMyRx, Circle Medical, MyMenopauseRx, Stella, Elektra Health, and Amazon One Medical scheduled care let you book a clinical visit without a required recurring membership. Wisp and Evernow also offer no-membership routes, but each payment opens a defined access window rather than buying only one appointment.

Circle Medical says it most plainly: “No memberships or other fees.” MyBodyMyRx leads with “No subscriptions” and screens for eligibility before checkout. Stella’s public FAQ says there is no membership. Midi prices care by initial and continued-care visit rather than a recurring platform fee.

They are not interchangeable.

Circle Medical is a primary-care practice, not a menopause-only clinic. Its providers are board-certified primary-care clinicians, and its menopause page says they evaluate and treat menopause while considering the patient’s broader health picture. For many women that is a strength. If you want a clinic built entirely around midlife women’s health, Midi, Stella, MyMenopauseRx, or Elektra is a different product.

MyBodyMyRx has the lowest fixed price but a narrower eligibility and evidence footprint. Its site lists ages 40 to 65 for HRT, requires a blood-pressure reading for estrogen prescriptions, and states that a mammogram is required for estrogen HRT treatment. Its follow-up price is not separately published.

Wisp’s $99 buys time, not merely a visit. It is the lowest nationwide no-recurring-fee route we verified, but the care window closes after three months. That is excellent value if the plan is settled quickly and a different product if you need continued adjustments.

See Midi’s current pricing and check whether your plan is accepted → (Provider link; Midi is not currently an HRT Index affiliate. Confirm network status with both Midi and your insurer.)

How much does one online menopause HRT visit cost?

Published self-pay care prices run from $75 at MyBodyMyRx to $250 for Midi’s first visit. Circle Medical charges $120 for both initial and follow-up appointments. MyMenopauseRx and Evernow charge $150 per visit. Stella charges $200 initially and $90 for follow-ups. Wisp charges $99 for a three-month care window.

First payment, care fee only

Provider	First published payment	Important condition
MyBodyMyRx	$75	31 states plus D.C. listed; follow-up price not separately published
Wisp	$99	Includes consult, follow-ups, and three months of access; not a single-appointment product
Circle Medical	$120	One appointment; 32-state practice
MyMenopauseRx	$150	Per virtual visit; public state counts conflict
Evernow Pay-per-Visit	$150	Includes 90 days of access after the visit
Stella	$200	Includes 12 months of app access and unlimited coaching
Elektra Health	$249	Self-pay initial rate; insurance participation varies by state and plan
Midi Health	$250	Initial cash visit; all 50 states
Amazon One Medical scheduled care	Confirm at booking	Menopause cash price is not published

Why we show the second-visit total

A first-visit price can hide the part that decides the year. Starting a medication, changing a dose, reviewing a response, or renewing a prescription can create another appointment. We standardized one initial visit plus one follow-up only where both prices are published.

Provider	Initial visit	One follow-up	Two-visit care total
Circle Medical	$120	$120	$240
Stella	$200	$90	$290
MyMenopauseRx	$150	$150	$300
Evernow	$150	$150	$300
Elektra Health	$249	$149	$398
Midi Health	$250	$150	$400

This is an editorial comparison model, not a recommended visit schedule. It excludes medication, labs, imaging, insurance adjustments, and any service that does not publish a distinct follow-up price.

Look at what the second visit does. Stella starts $80 above Circle Medical, but its $90 follow-up narrows the two-visit gap. Midi’s first visit is only $50 above Stella, but the two-visit gap is $110 because the follow-up prices are different. The refill and follow-up structure can move the answer more than the headline price.

What “starting at” is doing to you

A “starting at” number can refer to a general marketplace visit that is not menopause-specific. It can exclude the follow-up. It can unlock only after a membership. It can cover the consult while medication renews separately. Or it can depend on a provider and time slot that disappear when you enter your state.

None of those structures is automatically bad. But a price is not comparable until you know four things: what service it buys, how long access lasts, what renews, and whether medication is separate.

When do providers take your money?

MyBodyMyRx and Circle Medical publish the clearest payment-timing language, but the protection is not identical. MyBodyMyRx says its forms prescreen for eligibility before checkout and let you walk away before paying; once you submit payment, its FAQ says the visit is nonrefundable even if no prescription is issued. Circle Medical says it does not charge until the appointment is complete. Other providers sell an evaluation even when no prescription is issued.

Provider	Published payment timing or refund position	Practical meaning
MyBodyMyRx	Prescreen before checkout; no refunds after a paid visit is submitted	You can stop before payment when the form flags a problem, but payment is final once submitted
Circle Medical	Charged after the appointment is complete	The fee follows the completed clinical encounter
MyMenopauseRx	Self-pay visit is a medical evaluation; its FAQ lists a $99 late-cancel/no-show fee	No prescription does not erase the value or cost of the evaluation
Stella	Public pages state a refund is available if it cannot provide care	Confirm how the promise applies to your reason for ineligibility
Midi, Evernow, Wisp, Elektra, One Medical	Confirm the exact charge timing and refund rule during booking	Do not infer a refund from the absence of a published policy

MyBodyMyRx puts the fear underneath this search into one sentence: healthcare first, checkout second.

We are not going to call a no-refund clinical evaluation unfair. Every legitimate provider is selling medical judgment, not a prescription. An in-person specialist charges for an appointment whether the answer is estrogen, a nonhormonal option, more testing, or “this is not appropriate for you.” Telehealth doing the same thing is behaving like a clinic, not a store.

But the order of events matters. Before entering a card, know whether you are buying an appointment, a defined care window, or a recurring program — and what happens if the clinician says no.

Do you have to pay again for an HRT refill?

Eventually, yes. A prescription has a quantity, refill count, and expiration rules, and a clinician may require follow-up before renewing it. The important question is not whether another clinical contact will ever be needed. It is what kind of contact is required, when it is required, and what that contact costs.

Provider	Published access or follow-up structure	What to ask before booking
Wisp	Three months of care-team access, including follow-ups	What does another three-month period cost at that time?
Evernow Pay-per-Visit	90 days of prescription and platform access	Is another $150 visit required on day 91, or can the prescription extend beyond the portal window?
Stella	12 months of app/coaching access; $90 clinical follow-up	When does the prescriber require the next visit for renewal?
MyMenopauseRx	FAQ says a refill means it is time for a visit; simple dose or pharmacy tasks may use message visits	Which visit type will my refill require, and what will that visit cost?
Midi	$150 continued-care visit	How long will the initial prescription run, and what cadence does my clinician expect?
Circle Medical	$120 per follow-up appointment	How frequently will follow-ups be required for my plan?
Elektra	$149 self-pay follow-up where that rate applies	Does my insurance cover follow-ups and coaching separately?
MyBodyMyRx	Follow-up price not separately published	What will I pay for dose changes, refills, and renewal?
Amazon One Medical	Standard scheduled follow-up	What is the cash or plan-adjusted price for the next appointment?

Notice how many answers still require a direct question. That is not a minor gap. It is the difference between a one-time $75 decision and an unknown recurring clinical cost.

Put this in writing before you pay:

“What will I pay to get a refill in month seven?”

The answer forces the provider to connect the first visit, the prescription duration, the follow-up requirement, and the price you will actually live with.

Match your state, insurance, and care model before you choose →

Can insurance cover a single online menopause visit?

Yes. Midi, Circle Medical, MyMenopauseRx, Evernow, Elektra, Amazon One Medical, and some Stella pathways discuss insurance or reimbursement. But “accepts insurance” does not mean your clinician, state, service, and exact plan are in network. Your deductible can also make the contracted insurance rate more expensive than cash.

The insurance routes that are currently clear

Midi Health: in network with most PPO plans and available in all 50 states. Medicaid and Medi-Cal patients cannot be treated, even as self-pay patients. Medicare beneficiaries may use self-pay, but Midi says it cannot submit Medicare claims.
Circle Medical: accepts many PPO plans, publishes a $35 average out-of-pocket cost among patients with accepted insurance over the previous six months, and uses real-time verification during booking. Medicaid and Medi-Cal patients cannot be accepted even if they want to self-pay. Medicare Advantage participation depends on the plan and applicable medical group.
MyMenopauseRx: lists Aetna, Humana, Cigna, Blue Cross Blue Shield, TRICARE, UnitedHealthcare, and Sana PPO. It does not accept Medicare, Medicaid, or HMO plans. Its FAQ warns that an insurance-negotiated amount can exceed the $150 self-pay price when a deductible has not been met.
Evernow: lists UnitedHealthcare, Aetna, Anthem, and Blue Cross Blue Shield for Pay-per-Visit video care. It does not support Medicare or Medicaid. The self-pay visit is $150.
Elektra: works with commercial and government-sponsored plans, including select Medicare and Medicaid arrangements. Coverage is highly state- and plan-specific.
Amazon One Medical: scheduled menopause visits can be billed like primary-care visits when One Medical is in network. Its On-Demand Care product is self-pay and is not the full menopause pathway.
Stella: current marketing pages discuss insurance and reimbursement, while Stella’s governing Terms of Service still say Vira Health does not accept commercial insurance and is not enrolled in Medicare or Medicaid. Get the answer in writing before payment.

“Accepts insurance” is three questions

One: Is the company contracted with the insurer whose logo is on your card?

Two: Is the specific clinician and medical group in network for your exact plan in your state?

Three: What remains under your deductible, and how will this service be coded?

A company can answer yes to the first question while your actual answer to the second or third is no.

The four questions to ask your plan

Is the provider’s medical group and the specific clinician in network for my plan?
What is my cost for a telehealth specialist or primary-care visit?
How much of my deductible remains?
Is the scheduled menopause visit covered under the same benefit as an in-person visit?

Write down the representative’s name, the date, and the call reference number. If a claim is processed differently later, that record gives you something concrete to dispute.

Check Midi’s current insurance participation before booking → (Provider link; Midi is not currently an HRT Index affiliate. Treat the result as an initial check, then confirm with your insurer.)

Is pay per visit cheaper than a monthly HRT plan?

Pay per visit is often cheaper when you need only one or two cash-pay appointments, and it can be dramatically cheaper when an accepted insurance plan reduces your visit cost. A subscription can catch up when you need frequent contact. There is no universal four-visit or six-visit rule because the competing subscriptions include different services.

Here is care-fee math only. Medication, labs, imaging, and insurance adjustments are excluded.

Visits in year one	Circle Medical cash	MyMenopauseRx cash	Evernow Pay-per-Visit cash	Stella cash	Midi cash
1	$120	$150	$150	$200	$250
2	$240	$300	$300	$290	$400
3	$360	$450	$450	$380	$550
4	$480	$600	$600	$470	$700
6	$720	$900	$900	$650	$1,000

Illustrative model built by The HRT Index from published August 2026 rates. It is not a quote and not a recommended visit schedule.

Now compare several recurring care prices without pretending the products are identical:

Evernow membership: $49 month to month, $129 for three months, or $420 for a 12-month plan. Insurance-covered video visits may still create separate copays or deductible costs.
Sesame menopause program: $59 per month on the current public page, including video care, messaging, and basic labs if ordered.
Wisp: $99 for a three-month care window. Four back-to-back purchases would be $396 if the price and product remained unchanged, but Wisp does not advertise that as an annual plan.

Three things fall out of the math.

One. A cash payer who wants a one-off evaluation has no financial reason to buy twelve months of access she will not use.

Two. Insurance can reverse the ranking. A $250 cash visit can produce a lower personal bill than a $120 cash visit when one clinician is in network and the other is not.

Three, and this is the honest one. If you need repeated dose changes, unlimited messaging, and several clinical touchpoints, a subscription can be cheaper and easier. The monthly fee is buying access. If you will actually use that access, it is not waste.

Pay-per-visit buys you control. Control is not free.

What is the cheapest way to get HRT online without a subscription?

MyBodyMyRx has the lowest fixed menopause/HRT consultation price we verified at $75, but it serves 31 listed states plus Washington, D.C., limits HRT eligibility to ages 40 to 65, and does not separately publish the follow-up price. Wisp is the lowest nationwide no-recurring-fee route at $99 for three months of access.

Outside MyBodyMyRx’s service area, the next fixed cash options are:

Wisp: $99 for a nationwide three-month care window
Circle Medical: $120 per appointment in 32 states plus D.C.
MyMenopauseRx: $150 per virtual visit across a broad but internally inconsistent state footprint
Evernow: $150 per visit with 90 days of access

Do not add a generic “$28 a month” medication estimate and call it your real total. Drug prices can change by route, strength, quantity, pharmacy, insurance, coupon rules, and ZIP code. An oral generic pair is not a substitute for a patch, gel, spray, vaginal product, brand-name drug, or a plan that does not require progesterone.

The cleanest way to estimate your year is:

Annual care cost = required visits or access windows + labs or imaging + your actual pharmacy quote

Get the pharmacy quote for the exact drug and dose after a clinician recommends it. Do not let an article guess your prescription before the consult.

What does Midi Health cost per visit, and who is it for?

Midi charges $250 for the initial self-pay visit and $150 for continued-care visits. It operates in all 50 states, is in network with most PPO plans, and sends prescriptions to a pharmacy rather than forcing a medication bundle. Medication and labs are not included in the visit price.

Midi is the strongest all-round pick for a woman who wants three things at once:

Nationwide reach. Midi says it is available in all 50 states.

A menopause-focused care model. Its clinical program is built around perimenopause, menopause, sexual wellness, sleep, mood, bone health, and other midlife concerns rather than general urgent care.

No separate membership. The published prices are tied to clinical visits, not an additional monthly platform charge.

A local-pharmacy route. The medication is not automatically trapped inside a recurring care bundle. Your insurance or cash comparison can be applied at the pharmacy.

A clean HSA/FSA position. Midi states that eligible patients can use HSA or FSA funds for care.

A company-published patient comment on Midi’s site says the sign-up was easy and that an appointment was available the next day. That is an access testimonial, not evidence that treatment works for everyone, and we did not independently verify it.

Does this sound like your situation? Check Midi’s current availability and pricing → (Provider link; Midi is not currently an HRT Index affiliate.)

What is the honest downside of Midi’s pay-per-visit pricing?

Midi’s $250 first cash visit is the highest published initial price in this comparison. It is more than three times MyBodyMyRx’s $75 consult, more than twice Circle Medical’s $120 appointment, and $100 above the current MyMenopauseRx and Evernow prices.

Let’s be direct about it, because you will see it before booking anyway.

Midi does not have a cheap cash front door. If one cash consultation is genuinely all you need, MyBodyMyRx, Wisp, Circle Medical, MyMenopauseRx, or Evernow can cost less. We earn nothing from those providers, so take the recommendation exactly at face value.

But the flaw matters less for the reader Midi is best for. Midi combines all-50-state availability, a menopause-focused clinical model, PPO billing, and pharmacy choice without a separate membership. A lower cash sticker elsewhere does not help if the provider does not operate in your state, is out of network, or cannot offer the care model you want.

Do not substitute Midi’s cash price with an invented “typical copay.” Midi’s current HRT page tells insured patients that standard copays and deductibles apply; it does not publish one universal out-of-pocket average. Your number comes from your plan.

You are buying a medical event, not opening a tab.

If $250 is your actual cash dealbreaker, do not talk yourself out of the cheaper options. Use Find My HRT Path to filter by state, insurance, medication route, and whether online care is the right starting point.

Is Circle Medical a real pay-per-visit HRT option?

Yes. Circle Medical publishes $120 for the first menopause appointment and $120 for follow-ups, charges after the appointment is complete, and states that there are no membership or other fees. It accepts many PPO plans and reports a $35 average out-of-pocket cost among patients with accepted insurance over the previous six months.

Circle is the strongest cash-price transparency winner in this comparison. You know the initial price, follow-up price, charge timing, and membership status before creating a treatment plan.

The tradeoff is specialization. Circle Medical is a virtual-first primary-care practice. Its clinicians evaluate menopause in the context of the patient’s broader health, which can be a major advantage when symptoms overlap with thyroid, mood, sleep, blood-pressure, metabolic, or preventive-care issues. But it is not a menopause-only clinic.

Circle operates in 32 states plus D.C. It cannot accept Medicaid or Medi-Cal patients, even when they offer to self-pay. Its insurance page displays Medicare among plan logos, and its current legal terms address Medicare Advantage and government-sponsored plans, but that is not a promise that your exact Medicare plan or clinician is covered. Verify during booking.

Is MyBodyMyRx really the cheapest menopause visit?

It is the lowest fixed menopause/HRT consultation price in this comparison at $75. MyBodyMyRx lists no subscriptions, pharmacy choice, and eligibility prescreening before checkout. The standard flow is an asynchronous medical intake with text or phone communication as needed, not a guaranteed live video visit. Its FAQ also says paid visits are nonrefundable once submitted, including when the clinician does not issue a prescription. Its current service list covers 31 states plus Washington, D.C., not only Florida, North Carolina, and Colorado.

That expansion changes the answer materially. The current listed states are Alaska, Arizona, Arkansas, Colorado, Delaware, Florida, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Montana, Nebraska, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oregon, Rhode Island, South Dakota, Utah, Vermont, Virginia, Washington, West Virginia, and Wyoming, plus D.C.

There are three limits you should see before the price seduces you:

HRT eligibility is listed for ages 40 to 65.
A blood-pressure reading is required for estrogen prescriptions.
The site says a mammogram is required for estrogen HRT treatment.

The follow-up price, insurance position, and refill cadence are not separately published. $75 is the front door, not a verified annual total. Ask the month-seven question before paying.

What does MyMenopauseRx cost now?

MyMenopauseRx currently charges $150 per virtual visit, not $99. Its homepage lists the $150 self-pay price, seven commercial insurance partners, prescriptions sent to a local pharmacy, 24/7 care-team messaging, and discounted self-pay lab options. Its FAQ says refills require a visit.

This is one of the most important corrections on the page because the old $99 figure changed the cheapest-provider verdict, the two-visit math, and the recommendation for cash payers.

MyMenopauseRx lists Aetna, Humana, Cigna, Blue Cross Blue Shield, TRICARE, UnitedHealthcare, and Sana PPO. It does not accept Medicare, Medicaid, or HMO plans. It warns that the insurance-negotiated amount can be higher than the $150 cash price when a deductible has not been met.

Its availability pages do not agree cleanly. The booking flow says 42 states plus D.C. The public homepage’s visible state list currently contains 39 states plus D.C. and includes a “CN” label that appears to be a Connecticut typo. We are not picking a number and pretending the conflict is gone. Enter your state in the live booking flow before relying on either count.

MyMenopauseRx says it prescribes FDA-approved estradiol and progesterone. Testosterone is available directly only to patients located in Illinois; for patients outside Illinois, the company says it works with a local PCP. DEA lists testosterone as a Schedule III controlled substance, and it always requires a valid prescription issued under applicable controlled-substance rules.

Does Stella charge a membership fee?

No required membership is listed for Stella’s clinical route. Stella publishes $200 for the initial visit and $90 for follow-ups, and includes 12 months of app access, lifestyle plans, and unlimited coaching with the initial visit. That $90 follow-up is the lowest separately published follow-up price in this comparison.

Stella also says its intake screens a large set of risk factors and publishes a refund promise if it cannot provide care. Its U.S. FAQ says testosterone is not yet available. Do not read a U.K. Stella page and assume its medication options apply in the United States.

The insurance conflict is still real

Stella’s current marketing pages discuss insurance, reimbursement, and average copays. Its Terms of Service, dated August 14, 2025, say Vira Health does not accept commercial health insurance and is not enrolled with Medicare or Medicaid.

We are not going to invent an explanation for that conflict. A marketing page is not the document that controls a billing dispute. Get the insurance answer in writing from Stella before paying, and save the response.

That conflict does not erase Stella’s cash price. It does mean the “insured average” should not be treated as settled until the company aligns its public legal and marketing documents.

Why does Evernow hide the cash price on its pay-per-visit card?

Evernow charges $150 per Pay-per-Visit appointment and includes 90 days of access to prescriptions and its care platform. The price is published in Evernow’s FAQ, but the main product card emphasizes that the route is “insurance-eligible” instead of placing the $150 cash number in the same position as the membership price.

There is a fair reason for that. An insurance-billed visit does not have one universal personal price. The deductible, copay, coinsurance, clinician network, and plan all matter.

The practical effect is still worth naming: the woman searching the exact product has to leave the product card to find the self-pay number.

Evernow’s current FAQ says:

Pay-per-Visit self-pay is $150.
The payment includes a virtual consult and 90 days of prescription and platform access.
Major commercial plans include UnitedHealthcare, Aetna, Anthem, and Blue Cross Blue Shield.
Medicare and Medicaid are not supported.
Membership costs $49 month to month, $129 for three months, or $420 for twelve months.
The service is available in all 50 states plus D.C.

One unresolved conflict remains. Older Evernow material still visible online excludes Arkansas, Missouri, and West Virginia, while the current FAQ says all 50 states plus D.C. The current FAQ is the stronger and newer source, but women in those three states should confirm inside the live booking flow.

On any provider, screenshot the price and access terms you are shown before entering a card. If an insurance estimate appears, save that too.

Does Elektra Health take Medicare and Medicaid?

Elektra accepts select Medicare and Medicaid plans and says it became the first virtual menopause-care provider to work across both government programs in 2024. That does not mean every beneficiary in every state is covered. Its payer contracts are specific to plans, states, and eligibility categories.

Elektra’s current public information lists commercial and government partners and describes in-network arrangements across multiple lines of business. Some public plan pages identify Medicaid managed-care and Medicare Advantage products. The clean answer is:

Elektra is the clearest menopause-specialty route for a woman with Medicare or Medicaid, but coverage must be verified against the exact plan and state before booking.

For self-pay care, current Elektra information lists $249 for an initial visit and $149 for a follow-up. The clinical model includes menopause-focused clinicians; coaching and community access may be part of an insurance or employer benefit, but a standalone coaching session can carry a separate price. Do not assume the $249 visit automatically buys every support feature shown on the company’s homepage.

Elektra states that it prescribes FDA-approved hormonal and nonhormonal medications and does not prescribe non-FDA-approved compounded products.

We earn nothing from Elektra. It is here because it is the answer for a reader most comparison pages abandon.

Is Wisp’s $99 menopause consult truly pay per visit?

Wisp is better described as a one-payment care window. The $99 price includes the menopause consult, follow-ups, and three months of access to the care team. Its published flow begins with a secure medical-history intake and provider review; phone or video chat is used when necessary, so do not assume every purchase begins with a scheduled live-video appointment. Medication is separate and, if prescribed, is sent to a local pharmacy. The product is available in all 50 states.

That structure is unusually strong for a woman who wants short-term support without a recurring membership. You are not buying one fifteen-minute event and immediately losing access. You are buying a defined period in which questions and follow-ups are included.

The limit is equally clear: three months is not forever. Wisp does not publish a guaranteed annual renewal schedule for this menopause product. Before the window closes, ask whether another $99 purchase is required, whether your prescription extends beyond the access window, and what follow-up is needed for refills.

Is Amazon One Medical Pay-per-visit an HRT option?

No — not the product that used that name. Amazon renamed Pay-per-visit to On-Demand Care. It treats common conditions through message or video visits starting at $29 or $49, but that is not Amazon’s full menopause hormone-therapy pathway.

Menopause care is a scheduled One Medical visit, either in person or by video where available. Membership is not required to book a scheduled visit. When One Medical is in network, the appointment can be billed like a primary-care visit.

Amazon says scheduled video visits are available only in states where One Medical has offices. It lists menopause-trained care in selected metro markets rather than a nationwide standalone menopause clinic.

If you already use One Medical, live in a supported market, and want menopause handled inside primary care, this can be a strong route. If you came for a flat self-pay menopause price, Amazon does not publish the number you need. Confirm it during booking.

What is the difference between Sesame’s $37 visits and its menopause program?

They are two different products. Sesame’s general telehealth marketplace advertises visits from $37 with no membership and no insurance. Its menopause program is currently a $59-per-month subscription with video care, ongoing messaging, and basic lab work if the clinician orders it.

The $37 marketplace floor is not a verified menopause-HRT appointment price. Marketplace prices vary by provider, location, specialty, and available time. Treating that number as the cost of a menopause evaluation is exactly the kind of fake “starting at” math this page is designed to stop.

The menopause subscription includes real services a general marketplace visit may not:

A chosen provider and video care
Unlimited messaging for ongoing guidance
Basic labs if ordered
Prescriptions sent to the preferred pharmacy when clinically appropriate

Sesame’s current program page lists the basic panel as a complete blood count, HbA1c, thyroid testing, lipids, and a comprehensive metabolic panel, subject to state and operational exceptions. Those are not a menopause “hormone panel.” They are general health tests that may help identify other conditions or treatment considerations.

Sesame also states that providers on its platform do not prescribe controlled substances online. Testosterone is a Schedule III controlled substance in the United States, so Sesame’s published policy excludes it. A testosterone prescription always requires a qualified prescriber and compliance with federal and state controlled-substance requirements.

We disclose it again because it matters: Sesame is an affiliate partner, and its menopause subscription is not our recommendation for a search about avoiding recurring fees.

Which pay-per-visit providers take Medicare or Medicaid?

Elektra is the clearest menopause-focused option for select Medicare and Medicaid plans. Most other providers either exclude Medicaid entirely, restrict Medicare to self-pay, or leave federal-plan participation dependent on the exact plan and medical group. Never interpret a logo as confirmation of coverage.

Provider	Medicare position	Medicaid position
Elektra Health	Accepts select Medicare plans	Accepts select Medicaid plans
Midi Health	Beneficiaries may self-pay; Midi does not submit Medicare claims	Cannot treat Medicaid or Medi-Cal patients, even self-pay
Circle Medical	Some Medicare Advantage/government-plan billing may be available; verify exact plan	Cannot accept Medicaid or Medi-Cal, even self-pay
MyMenopauseRx	Does not accept	Does not accept
Evernow	Does not support	Does not support
Stella	Current Terms say not enrolled	Current Terms say not enrolled
Amazon One Medical	Plan-specific; confirm during scheduled-visit booking	Plan-specific; menopause page does not give a universal answer
Wisp	Self-pay product	Self-pay product
MyBodyMyRx	Not publicly established	Not publicly established

If Elektra is not contracted with your plan or available in your state, your existing primary-care clinician or gynecologist may be the cheaper and more continuous route. That is not a consolation prize. For many women, it is the right answer.

Which services look pay per visit but are not?

PlushCare, Alloy, Hers, Winona, and Inner Balance can surface during the same search, but their commercial structures include a membership or medication subscription. They may be legitimate fits for women who want ongoing care or home delivery. They are not clean substitutes for a no-recurring-fee visit.

Service	Why it looks pay per visit	What it actually is	What that means
PlushCare	Publishes an appointment price	Membership plus visit: $19.99 per month, then insurance cost-sharing or $129 self-pay per visit	Two charges can apply
Alloy	Advertises a one-time $49 consult	Consult followed by medication subscription when treatment is ordered	The consult ends; medication billing continues
Hers	Online assessment may feel like a one-off consult	Subscription treatment program	Cancellation and renewal rules matter as much as the first price
Winona	No separate clinician fee	Medication program billed every 28 days for 30-day supplies or every 84 days for 90-day supplies	Thirty-day billing creates 13 processing cycles in 364 days
Inner Balance / Oestra	One recurring program price	Compounded medication subscription	Medication and care remain tied to the recurring program

Hers, Winona, and Inner Balance are affiliate partners on other pages. They are de-monetized here because recurring medication billing is the opposite of this page’s intent.

There is a second reason to be careful with Hers. On July 29, 2026, the Federal Trade Commission, joined by government partners, filed a pending lawsuit alleging deceptive subscription billing, cancellation, and privacy practices by Hims & Hers. The allegations have not been adjudicated, and the company is entitled to contest them. On a page about avoiding subscription friction, the existence of that pending action is material and belongs in the decision.

Winona’s formulary is mixed, not “all compounded”

The earlier draft flattened Winona’s products into one regulatory category. That was wrong.

Winona says its estrogen patches, estrogen tablets, and progesterone capsules are FDA-approved. Its compounded estrogen and progesterone body creams are not FDA-approved. The recurring billing model applies to the program, but the FDA status depends on the specific medication selected.

Are FDA-approved and compounded hormones the same thing?

No. FDA-approved drugs have completed the applicable FDA review process for a specific product, formulation, strength, manufacturing system, labeling, and use. Compounded drugs are prepared for individual patients outside that approval process. A compounded drug is not a generic drug, and FDA does not verify its safety, effectiveness, or quality before marketing.

That does not mean compounding has no legitimate role. FDA says a compounded drug may serve a patient whose medical need cannot be met by an approved product, such as a need for a formulation without a particular ingredient. It does mean the two categories must never be presented as equivalent.

The Menopause Society states that custom-compounded hormones have not been shown to be safer or more effective than approved hormone products and raises concerns about testing, dosing, absorption, and consistency.

FDA-approved can include products that use estradiol or micronized progesterone. Compounded can also contain estradiol or progesterone, but sharing a hormone name does not make the products interchangeable or equally reviewed.

The checkout test

Ask for the exact medication name, dosage form, strength, manufacturer or compounding pharmacy, and whether the dispensed product is FDA-approved or compounded.

A commercially manufactured product should have FDA-approved labeling and an NDC associated with the marketed drug.
A compounded prescription should be identified as compounded and name the dispensing compounding pharmacy.

Do not accept “bioidentical” as the answer. That marketing word does not tell you whether the actual dispensed product is FDA-approved or compounded.

Do pay-per-visit providers order labs, and do labs cost extra?

Labs are usually separate unless the provider or health plan explicitly includes them. Midi states that labs and prescriptions are not included in its visit price. MyMenopauseRx can order medically indicated testing and also sells self-ordered Quest tests at published cash prices. Sesame includes a basic panel in its menopause subscription if ordered.

“No hormone panel” is not automatically a deficiency. Hormone levels can fluctuate during perimenopause, and FDA estradiol labeling states that serum FSH and estradiol levels have not been shown useful for managing moderate-to-severe vasomotor symptoms. Clinical history, symptoms, age, menstrual pattern, risk factors, and the treatment under consideration can be more important than one isolated hormone value.

Bloodwork can still be useful when a clinician is evaluating conditions that mimic or complicate menopause symptoms, monitoring another health issue, or checking a medication-specific concern. The point is not “never test.” The point is test for a clinical reason, not because a marketing funnel told you every woman needs a proprietary hormone panel.

Provider lab positions

Midi: labs excluded from the visit price and ordered when clinically indicated.
MyMenopauseRx: medically indicated labs can be ordered through Quest; self-order options have separate cash prices and do not use insurance.
Stella: public materials say routine hormone testing is not always required; confirm any specific requirement during intake.
Elektra: clinicians may order labs and say they do not use saliva or urine-based DUTCH testing for menopause evaluation.
Sesame menopause subscription: basic CBC, HbA1c, thyroid, lipid, and metabolic testing may be included if ordered, with state exceptions.
MyBodyMyRx: requires a blood-pressure reading for estrogen prescriptions and states that a mammogram is required for estrogen HRT treatment.

How do you switch providers without losing access to medication?

A prescription already sent to a local pharmacy generally remains fillable until its authorized refills or legal validity end, unless the prescriber cancels it or another rule intervenes. A bundled medication shipment is different: ending the subscription usually stops future orders. Book the new prescriber before canceling the old program if a gap would leave you without medication.

If your prescription is at your own pharmacy

Confirm:

The exact medication, strength, route, and directions
How many refills remain
The prescription’s expiration date under applicable rules
Whether the new clinician wants records or recent labs
Whether a transfer between pharmacies is permitted for that medication

If medication comes from the provider’s pharmacy

Your next shipment may be the subscription. Arrange the new evaluation first, allow time for records and pharmacy processing, then cancel before the renewal cutoff.

Three rules for canceling anything

Cancel before the renewal date, not on it. Give yourself a buffer.

Cancel in writing. Use an in-app channel or email that creates a record.

Save the confirmation and the final account screen. A screenshot is easier to use than a memory.

What to bring to the new visit

Bring the current drug name, dose, route, start date, refill count, what improved, what did not, side effects, recent labs or imaging requested by the clinician, your pharmacy details, and your top three symptoms in priority order.

Ask about route by name: “Do you prescribe patches, gel, oral estradiol, vaginal estrogen, or nonhormonal options?” That produces a more useful answer than “Do you prescribe HRT?”

When is online HRT the wrong starting point?

Some situations need in-person evaluation, urgent assessment, or coordination with a clinician who has your records before a telehealth HRT purchase. Bleeding after menopause needs medical evaluation. A history of breast or endometrial cancer, blood clots, stroke, heart attack, liver disease, or unexplained vaginal bleeding changes the risk-benefit conversation.

Please read this part even if you skipped everything else.

Bleeding after menopause should not be treated as a routine online refill problem. FDA estrogen labeling directs patients to report unusual vaginal bleeding and have it evaluated.

If you have a uterus and use systemic estrogen, endometrial protection usually has to be addressed. A progestogen is commonly used unless a different clinically appropriate strategy applies. Low-dose vaginal estrogen used for genitourinary symptoms is a different exposure and should not be casually collapsed into the same rule.

A personal history of hormone-sensitive cancer, clotting events, stroke, heart attack, significant liver disease, or unexplained bleeding deserves individualized review. That does not automatically mean every form of menopause treatment is impossible. It means the order matters, the records matter, and a checkout algorithm should not make the decision alone.

Online care is also the wrong setting for an emergency. Chest pain, sudden weakness, severe shortness of breath, signs of stroke, or heavy acute bleeding require urgent or emergency care.

Use Find My HRT Path to flag situations where online care is not the right first move before you pay a provider.

How did The HRT Index verify this page?

We read the providers’ current pricing pages, service pages, FAQs, help centers, insurance pages, legal terms, and booking-flow statements on August 14, 2026. We compared the claims against one another and kept conflicts visible instead of choosing the version that made a cleaner sales pitch.

What we actually verified

Current published initial and follow-up prices where available
Whether a recurring membership is required
What one payment buys and when access ends
Whether medication and labs are separate
Published insurance and federal-plan positions
State availability claims and internal conflicts
Payment timing and cancellation language where published
Local-pharmacy versus bundled-medication flow
FDA-approved versus compounded disclosures
Controlled-substance limits affecting testosterone

What we did not do

We did not enroll, pay, receive care, or test cancellation
We did not verify every individual clinician’s license
We did not obtain personalized insurance estimates
We did not receive prescriptions or inspect dispensed medication
We did not call providers to resolve every conflict
We did not treat provider-published testimonials as proof of clinical effectiveness

This page follows The HRT Index Verification Standard: read every published price, separate FDA-approved from compounded, verify state availability and insurance, and re-check on a fixed schedule — top providers monthly, full roster quarterly. We evaluate providers on five things, in this order: clinical legitimacy, care quality, medication fit, price transparency, access. We do not publish invented numeric scores because a single number would hide the tradeoffs this page exists to show.

Unresolved points to confirm before you pay

MyMenopauseRx state count: booking flow says 42 states plus D.C.; the homepage’s visible list shows 39 states plus D.C.
Evernow state conflict: current FAQ says all 50 states plus D.C.; legacy material still excludes Arkansas, Missouri, and West Virginia.
Stella insurance status: marketing and Terms of Service conflict.
MyBodyMyRx follow-up cost: not separately published.
Amazon One Medical menopause self-pay price: not published.
Elektra plan coverage: Medicare, Medicaid, commercial insurance, coaching, and referrals are plan- and state-specific.
Wisp after month three: current re-entry cost and refill process should be confirmed before the window closes.

Primary sources checked August 2026

Provider pricing, availability, and policies

Medical and regulatory sources

Frequently asked questions

Can you get HRT online without a subscription?

Yes. Midi, MyBodyMyRx, Circle Medical, MyMenopauseRx, Stella, Elektra, and Amazon One Medical scheduled care allow clinical visits without a required recurring membership. Wisp and Evernow also offer no-membership care windows that last three months or 90 days.

How much is a one-time HRT consultation online?

Published care prices start at $75 with MyBodyMyRx. Wisp charges $99 for a three-month care window, Circle Medical charges $120 per appointment, MyMenopauseRx and Evernow charge $150, Stella charges $200 initially, Elektra lists $249, and Midi charges $250 initially.

Which provider has the cheapest follow-up visit?

Among providers that publish a separate follow-up price, Stella is lowest at $90. Circle Medical charges $120, Elektra lists $149, and Midi charges $150. MyBodyMyRx does not separately publish a follow-up price, and Wisp includes follow-ups within its initial three-month window.

Does insurance cover a single online menopause visit?

It can. Midi, Circle Medical, MyMenopauseRx, Evernow, Elektra, Amazon One Medical, and some Stella pathways discuss insurance or reimbursement. Coverage depends on the exact plan, clinician, medical group, state, deductible, and service.

Does insurance cover an HRT membership?

A standalone platform membership is generally not processed as a medical claim. It may be HSA/FSA-eligible, covered by an employer, or bundled into another benefit. An eligible clinical visit can be billed separately even when a membership exists.

Do I need a follow-up to refill HRT?

Eventually, most women need a clinical follow-up or other authorized contact to renew treatment. The timing depends on the prescription, clinician, medication, state rules, response to treatment, and provider policy. Ask what month-seven renewal costs before the first payment.

Which online menopause provider takes Medicare?

Elektra accepts select Medicare plans. Circle Medical may bill some Medicare Advantage arrangements depending on the plan and medical group. Midi lets Medicare beneficiaries self-pay but does not submit Medicare claims. Verify the exact plan before booking.

Which online menopause provider takes Medicaid?

Elektra accepts select Medicaid plans. Midi and Circle Medical explicitly say they cannot treat Medicaid or Medi-Cal patients even when the patient offers to self-pay. MyMenopauseRx and Evernow do not accept Medicaid.

Is medication included in a pay-per-visit price?

No medication is included in the care prices compared on this page. Prescriptions, when clinically appropriate, are generally sent to a pharmacy and paid through insurance, cash, or an eligible discount. The actual drug cost depends on the specific prescription.

Can I use HSA or FSA funds?

Several providers, including Midi, Wisp, Stella, and MyMenopauseRx, state that eligible services can be paid with HSA or FSA funds. Eligibility can differ between clinical services, memberships, supplements, and medication, so confirm with the plan administrator.

Does Amazon One Medical On-Demand Care prescribe menopause HRT?

Amazon’s On-Demand Care product is not its full menopause-care route. Menopause is handled through a scheduled One Medical appointment. Membership is not required, but video availability and insurance billing depend on the market and plan.

Will I definitely receive a prescription after paying?

No. A payment buys a clinical evaluation. A qualified clinician decides whether a prescription is appropriate, which medication or nonmedication option fits, and whether in-person evaluation or additional testing is needed.

Is testosterone available from every online menopause provider?

No. Testosterone is a Schedule III controlled substance in the United States and requires a valid prescription under federal and state rules. Sesame says its online providers do not prescribe controlled substances. Stella’s U.S. FAQ says testosterone is not yet available. MyMenopauseRx prescribes it directly only for patients in Illinois and coordinates with local PCPs elsewhere.

What is the difference between FDA-approved and compounded hormones?

FDA-approved medicines have completed FDA review for the specific marketed product. Compounded medicines are prepared outside that approval process and are not reviewed by FDA for safety, effectiveness, or quality before marketing. A compounded drug is not a generic drug.

One last thing

If you take nothing else from this page, take the question.

Before you pay anyone — Midi, Circle Medical, MyBodyMyRx, Wisp, anyone — send one message and get the answer in writing:

“What will I pay to get a refill in month seven?”

The first visit price is the number they advertise. That one is the number you will actually live with.

You are not being difficult by asking. You are being billed correctly.

Still not sure which HRT program is right for you? Use Find My HRT Path to get a starting-point plan based on your state, insurance, medication preferences, and safety flags.

It does not replace a clinician. It helps you avoid paying the wrong kind of provider before you know what you need.

The HRT Index is an independent decision resource for online menopause and HRT care for women. This page is editorial research and is not medically reviewed by a clinician. It is educational only and is not medical advice. Talk with a qualified clinician about your own symptoms, history, and treatment. Some providers discussed on this page are affiliate partners elsewhere on The HRT Index; any affiliate link in this article would be labeled where it appears. This does not change our inclusion rules or what you pay.

Keep comparing before you book.

Review the best online HRT providers, compare HRT costs and insurance coverage, or use Find My HRT Path to compare state, insurance, medication preferences, and safety flags.

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