Online HRT That Accepts OptumRx: 9 Providers Compared (2026)

Last verified: June 2026. By The HRT Index Editorial Team. Independent editorial research — not medically reviewed by a clinician. Educational only, not medical or insurance advice. Not affiliated with or endorsed by OptumRx or UnitedHealth Group. Some links are affiliate links; we may earn a commission at no extra cost to you.

Best for — and not for — you

This page is for you if:

• OptumRx is the pharmacy benefit on your insurance card (often through a UnitedHealthcare plan, an employer plan, or a Medicare Part D plan).
• You want menopause hormone therapy from an online clinician.
• You'd rather have your prescription sent to your own pharmacy than be locked into a provider's bundled mail-order box.
• You're willing to run two quick checks before you pay.

This page is not the right fit if:

• You specifically want a flat monthly cash subscription, no insurance involved (jump to cash and flat-rate options below).
• You expect OptumRx to decide whether the visit is covered (that's your medical plan's job).
• You only want compounded hormone creams (those usually aren't covered — more below).
• Your situation may need an in-person exam first (we'll flag when that's true).

Start here

What does “accepts OptumRx” actually mean?

OptumRx is a pharmacy benefit manager (PBM) — the company that runs the prescription side of your insurance. Your plan's drug list decides whether a medication is covered and what you pay; OptumRx administers that benefit at the pharmacy. It does not pay for your telehealth visit — your medical plan does that. So “online HRT that accepts OptumRx” usually means a clinician can send your prescription to a pharmacy in the OptumRx network, where your plan can cover it.

When you get menopause care online, there are really three separate things, and each one is paid for in a different way. We call it the three-layer check. Picture a sandwich — three layers, and you need to know who handles each.

A provider can take your medical insurance for the visit but prescribe a drug your plan doesn't cover. Or — flip it — the visit might be cash-pay, but your OptumRx benefit still covers the medication when it's sent to your pharmacy. Two different benefits. Two different answers.

The one honest catch

We'll be blunt, because you deserve it: no website, clinic, or affiliate can promise your OptumRx price or approval before your own plan checks your exact prescription. Coverage changes by employer, by plan year, by medication, by strength, and by pharmacy. A logo on a page is not your plan saying yes — only your plan can do that.

That's exactly why this page helps you more than the ones that pretend. Instead of a fake guarantee, we hand you the checks that turn “I hope it's covered” into “I confirmed it” before you spend a cent. That's worth more than a logo.

Which providers offer online HRT that accepts OptumRx?

Providers that send your prescription to yourpharmacy give you a route to run an FDA-approved drug through your OptumRx benefit. Providers that bundle medication through their own cash or compounding pharmacy don't. Among the major online menopause services, Midi Health bills medical insurance for the visit and sends scripts to your pharmacy; Sesame sends scripts to your pharmacy but the visit is cash; cash-and-bundled services like Winona, Hers, and Inner Balance generally do not offer an OptumRx route.

How to read the status labels: ✅ The provider publishes this (it does notmean your plan has approved your specific claim)  ·  🟡 Works in principle — confirm for yourplan  ·  ⚪ Not an OptumRx route (cash, bundled, or compounded)  ·  🔎 You must verify before booking

The OptumRx Online HRT Routing Matrix — verified June 2026

Sources: each provider's own insurance, pricing, and pharmacy pages, plus OptumRx/UnitedHealth Group materials — checked June 2026. Prices and plan lists change.

Sorted to a starting point:

1. Broadest insurance-first start: Midi Health.
2. Cash visit, prescription through OptumRx: Sesame Care.
3. Named-insurer alternatives: Evernow and Gennev.
4. Clearest OptumRx mention (and accepts some government plans): Elektra, where it operates.
5. General fallback: PlushCare.

These are our editorial conclusions from current public evidence — not insurer guarantees.

Does Midi Health work with OptumRx?

Midi Health is the strongest insurance-first starting point because it's in-network with most PPO plans — including UnitedHealthcare, whose drug benefit is often OptumRx — and its insurance path prescribes FDA-approved estradiol and progesterone to your own pharmacy. That means the visit can bill your medical plan and the FDA-approved drug can run through OptumRx. Midi is not covered by Medicare or Medicaid.

A quick definition first, because it matters: bioidentical describes a hormone's chemical structure — it's identical to the one your body makes. On its own, “bioidentical” doesn't tell you whether a finished product is FDA-approved or compounded. The piece that matters for your coverage is that Midi's insurance path uses the FDA-approved versions — the kind tested and approved by the U.S. Food and Drug Administration — sent to your pharmacy.

What makes Midi fit this exact problem:

• Care includes a live video visit with a clinician focused on midlife women's health, available in all 50 states.
• It bills your medical insurance. Per Midi's own insurance page, it's in-network with most PPO plans and contracts with major insurers like UnitedHealthcare, Aetna, and Blue Cross Blue Shield. Midi says most insured patients pay about $50 a visit.
• Its standard path sends your prescription to your pharmacy. That's the piece that lets your OptumRx benefit apply to the medication — something cash-and-bundle services can't offer.

On price: with in-network PPO coverage you typically owe a copay; self-pay is $250 for an initial visit and $150 for continued-care visits, per Midi. 🔎 Confirm your in-network status and your visit cost before booking — coverage varies by plan, and deductibles or coinsurance can still apply. Midi is not covered by Medicare(Medicare beneficiaries can use Midi as self-pay but can't submit any claims for Midi visits or medications), and Midi cannot treat Medicaid or Medi-Cal patients, even as self-pay.

“Midi was incredibly easy. I signed up and had a visit the next day. My clinician was kind and thoughtful. By the end of the day, I had my prescriptions called in.”

— patient review published on Midi's website; individual experience, not independently verified

The one trade-off — and why it might not matter to you

We promised to be straight, so here it is: Midi's insurance-billed menopause care is not one all-inclusive monthly medication bundle, and it does offer separate cash-pay compounded products that insurance won't cover.If a single predictable bill — same price every month, no insurance involved — is what you want most, a cash service like Winona is simpler to budget, and we'll point you there. But because Midi's insurance path bills your medical plan and sends FDA-approved hormones to your own pharmacy, it's the one route where your OptumRx benefit actually does the heavy lifting on the drug cost — which, if you're reading a page about OptumRx, is almost certainly why you're here.

If a flat cash bundle is your priority instead, scroll to the cash and flat-rate options — we'd rather send you to the right place than the loud one.

Can I use Sesame with OptumRx?

Sesame Care doesn't bill medical insurance for the visit — its menopause program is $59/month cash — but it sends your prescription to your pharmacy. So an FDA-approved drug can still run through your OptumRx benefit at pickup; you're paying out of pocket for the program, plus whatever your plan charges for the medication.

This is the move a lot of people miss. They assume “no insurance for the visit” means “no insurance for anything.” Not true. The medication is a separate benefit, and Sesame sends your prescription to the pharmacy you choose. When you pick it up, your pharmacist runs it through your OptumRx coverage like any other prescription.

How it works, start to finish:

1. Start the menopause subscription ($59/month — confirm the current price at checkout; medication is not included). Lab work is included when needed.
2. Talk to a licensed clinician about your symptoms and history on a video visit.
3. Ask for an FDA-approved option when it's clinically appropriate. (Sesame can also prescribe compounded BHRT — but only an FDA-approved drug filled at your pharmacy can run through OptumRx, and coverage still depends on your plan.)
4. The clinician sends the script to your pharmacy. Your OptumRx benefit applies to the medication per your plan. Sesame also gives you a discount card as a separate cash option, in case a cash price ever beats your copay.

“I saw [the provider] for perimenopause HRT and she was very helpful... I was able to pick them up from my local Costco in a few hours. After years of dealing with symptoms it was a relief to be helped so quickly!”

— patient review published on Sesame's website; individual experience, not independently verified

Sesame is the right call when your medical plan is out-of-network for telehealth, you have a high deductible, or you just want a transparent visit while your OptumRx benefit handles the drug.

Which other online HRT providers can work with OptumRx?

Beyond Midi and Sesame, a few menopause telehealth services genuinely fit parts of the OptumRx puzzle: Evernow and Gennev bill several major medical plans and send prescriptions to your pharmacy; Elektra names OptumRx by name and accepts some government plans within the 16 states where it provides clinical care. None can guarantee your specific coverage, but each is a credible option to check.

We include these even though they aren't how we keep the lights on — leaving them out would make this page worse, and a page that hides good options to push a payout is exactly the kind of page readers stop trusting.

Evernow — a named-insurer alternative with pharmacy flexibility

Evernow bills UnitedHealthcare, Aetna, Anthem, and Blue Cross Blue Shield for video visits. It prescribes FDA-approved estradiol, progesterone, and vaginal estrogen, and the medication can go to your local pharmacy (where your OptumRx benefit can apply) or be delivered to your home. Memberships start at $35/month (medication is separate, and insurance covers the medication and visits but not the membership fee). It's available in about 35 states. 🔎 Confirm current pricing and your plan.

Gennev — all-state menopause specialist

Gennev is in-network with Aetna (in all 50 states), Anthem, and UnitedHealthcare, offers a free menopause assessment, and provides menopause-trained doctors with nationwide availability. It sends prescriptions to your pharmacy when appropriate, and prescribes FDA-approved hormonal and non-hormonal options. We didn't find an OptumRx-specific statement, and plan participation is tied to specific plan products — 🔎 confirm your drug and your plan. Self-pay fees run roughly $119–$250 depending on the visit type and clinician, per Gennev.

Elektra Health — the clearest OptumRx mention

Elektra stands out for two reasons. First, its own FAQ literally names OptumRx (alongside Express Scripts) as an example of a mail-order pharmacy you might find on the back of your card — the most direct public OptumRx reference we found from any menopause provider. Second, Elektra states it became the first virtual menopause provider to accept both commercial and government plans(some Medicaid and Medicare) in 2024, and it's in-network with a long commercial list that varies by state (EmblemHealth, Aetna, Anthem, Cigna, UnitedHealthcare, and more). The trade-off: clinical care is currently in 16 states — New York, Connecticut, Massachusetts, Florida, Pennsylvania, New Jersey, Illinois, Arizona, Georgia, Iowa, Missouri, Nebraska, Ohio, Oklahoma, Tennessee, and Texas — with coaching in all states. It prescribes FDA-approved medications only and sends them to your pharmacy. Self-pay is about $249 initial / $149 follow-up. 🔎 Confirm your state and plan.

PlushCare — the generalist fallback

PlushCare is general telehealth (all 50 states) that's in-network with most major insurers for video visits. It charges a membership fee (about $19.99/month, with an annual option) plus the visit (around $129self-pay), and it sends prescriptions to any local pharmacy. Because it's not menopause-specific, confirm the available clinician will manage ongoing HRT before you pay. 🔎 Verify clinician scope and your plan.

Which states and medical plans do these providers support?

Clinical availability and in-network plans differ by provider, and both can change. Midi, Gennev, and PlushCare are in all 50 states; Evernow is in about 35; Elektra provides clinical care in 16. Most bill major commercial PPO plans; none of the cash providers bill prescription insurance. Always confirm your exact plan before booking.

The pattern that matters for OptumRx: a provider that bills your medical plan helps with the visit; a provider that sends your script to your own pharmacy helps with the drug. Midi does both. Sesame does the second. The cash providers do neither.

Does OptumRx cover HRT?

There's no single OptumRx HRT list that's the same for everyone — your employer or plan sets the details. OptumRx may cover FDA-approved hormones like generic estradiol and micronized progesterone under your plan, often as low-cost generics, but tier, prior authorization, and limits vary. Search the exact product, strength, quantity, and pharmacy in your signed-in member account to know for sure.

A few definitions so the rest makes sense:

• Formulary = your plan's list of covered drugs.
• Tier = the cost level a drug sits on. Lower tier usually means a lower copay; generics are often lowest.
• Prior authorization (PA) = your plan asks your prescriber to confirm the drug is appropriate before it'll pay.
• Step therapy = your plan asks you to try a preferred option first.
• Quantity limit = a cap on how much you get at once.

What to search in your OptumRx account (don't just type “HRT”):

As an illustration of cash prices if a drug isn't covered: discount-card estimates have run roughly $31–$57 a box for generic estradiol and $228–$246 for 30 brand-name Premarin tablets (Optum Perks estimates). Cash prices swing by pharmacy, location, and date, so treat these as ballpark, not fixed.

OptumRx's formulary materials note that drugs can move tiers or drop off coverage on January 1 or July 1, so check your current signed-in list and read any plan notice you receive.

FDA-approved vs. compounded — this affects your coverage

This isn't a technicality. It decides whether your plan pays.

FDA-approved hormonesare tested and approved by the FDA for safety and effectiveness. They're the standard path, and they're what plans generally cover through OptumRx.

Compounded hormones are prepared by compounding pharmacies and are not FDA-approved. The FDA states it “does not have evidence that compounded ‘bioidentical hormones’ are safe and effective, or safer or more effective than FDA-approved hormone therapy,” and recommends women use FDA-approved options. The FDA also notes it does not verify the safety, effectiveness, or quality of compounded drugs before they're marketed. The American College of Obstetricians and Gynecologists (ACOG) says compounded versions “should not be prescribed routinely when FDA-approved formulations exist.”

One more distinction worth holding onto: FDA approval and insurance coverage are two different things. An FDA-approved drug can still be non-preferred, on a higher tier, restricted, or out of network on your plan. So ask for an FDA-approved option and check it in OptumRx.

Is OptumRx the same as UnitedHealthcare?

No, but they're related. UnitedHealthcare is a medical insurer; OptumRx is a pharmacy benefit manager, and both are part of UnitedHealth Group. Some UnitedHealthcare plans use OptumRx for the drug benefit — but you can also have OptumRx through an employer or a Medicare Part D plan whose medical insurer is not UnitedHealthcare. Check the PBM name on your current card.

“I have OptumRx” does not automatically mean “I have UnitedHealthcare.” Your medical card tells you who covers the visit; the pharmacy name on the card (or in your member portal) tells you who runs the drug benefit. They can be different companies.

PBMs also change. As one real example, CalPERS moved the health plans named in its 2026 notice from OptumRx to CVS Caremark effective January 1, 2026 — so check your currentcard, not last year's.

If UnitedHealthcare is your medical plan, our UnitedHealthcare guide digs into visit coverage in more detail. This page focuses on the drug-and-pharmacy side that applies whether or not UnitedHealthcare is your insurer.

Will OptumRx make me get prior authorization?

It depends on your plan and the exact product. Generic estradiol and micronized progesterone are often low-cost generics that don't require prior authorization, but some plans do require it — especially for brand-name or newer drugs — and some use step therapy or quantity limits. Your signed-in OptumRx drug lookup shows whether any of these apply.

Prior authorization sounds scary. It's a review where your plan asks your prescriber to confirm the medication is appropriate — your prescriber (or you) starts it, and it may need clinical details. Some providers handle it for you; Elektra, for example, says its clinical team submits prior-authorization requests and follows up. 🔎 Ask your provider whether they do.

Get ahead of it: when you look up your drug in OptumRx, note any flag next to it — “PA,” “ST” (step therapy), or “QL” (quantity limit). If you see one, tell your provider before your visit so they can plan for it.

Can an online doctor send my prescription to Optum Home Delivery?

Often yes — when the clinician can e-prescribe to the mail-order pharmacy and your exact medication is eligible under your plan. Optum Home Delivery is OptumRx's mail-order pharmacy, and it can ship eligible maintenance medications to your door. You'll still confirm whether a new prescription, a transfer, or a specific supply length is needed.

Optum Home Delivery is the mail-order arm of OptumRx — handy for medications you take every day, like hormone therapy. Two ways to get your HRT there:

• A brand-new prescription: your online clinician e-prescribes it straight to Optum Home Delivery. Cleanest route for a fresh start.
• A transfer: if you already have it at a retail pharmacy, ask OptumRx to move it. You can set this up at optumrx.com, in the Optum Rx app, or by phone.

Eligible maintenance medications may be available in a three-month (90-day) supply, depending on your plan and product, so your prescription may need to be written that way. And Optum Home Delivery and certain affiliates may not be available in Arkansas— confirm your plan's pharmacy options.

How do I use my OptumRx benefit with an online HRT provider?

Check the visit and the drug separately, before you book. Look up your exact medication in OptumRx first, then confirm the clinician is in-network under your medical plan, then make sure the prescription can go to the pharmacy you choose. Save proof of everything you're told.

Here's the whole workflow on one screen. Do these six steps and you'll cut down on avoidable coverage surprises.

1. Find your two benefits. On your card, locate your medical plan name (UnitedHealthcare, Aetna, etc.) and your OptumRx member ID — often two different things. (Remember: PBMs change, so use your current card.)
2. Search the exact drug in OptumRx — not “HRT.” Sign in and look up the specific medication and form: estradiol patch, estradiol tablet, estradiol gel, vaginal estradiol, micronized progesterone, or a combination product.
3. Write down every restriction. Tier, prior authorization, step therapy, quantity limit, brand-vs-generic rule, retail-vs-mail rule, and the estimated cost at your pharmacy.
4. Confirm the clinician under your medical plan. Don't just ask “do you take UnitedHealthcare?” Ask the sharper question: “Is the medical group that will bill my visit in-network for my exact plan, in my state?”
5. Confirm where the prescription goes. Ask the clinic: “If you prescribe medication, can you send it to my OptumRx network pharmacy or Optum Home Delivery — rather than requiring your own bundled pharmacy?”
6. Save proof. Screenshots, the date, a chat transcript, a phone reference number, and who told you. If anything goes sideways later, this is your receipt.

Your free OptumRx HRT coverage and routing checker

Answer a few quick questions — your state, your medical insurer, your plan type, whether OptumRx is on your card, which medication route you prefer, and whether you'd pay cash for a visit — and get a personalized action sheet:

• A short list of providers that fit your situation.
• A clear status for each of the three layers: visit coverage, drug coverage, and pharmacy routing.
• The exact terms to search in OptumRx for your medication.
• Scripts to read to your provider and your insurer.
• A printable checklist.
• And — importantly — a clear “online care may not be the right starting point” result when that's the honest answer.

It does not diagnose you, determine your benefits, or guarantee coverage. It organizes the checks you complete with your plan, OptumRx, your pharmacy, and your clinician.

How much does online HRT cost with OptumRx?

Your real cost isn't one number. It's the visit (a copay if in-network, or a cash price by provider) plus the medication (your OptumRx copay) plus any membership, labs, or shipping. Each piece can be controlled by a different benefit, so look up your real drug cost in OptumRx and confirm your real visit cost with the provider.

The simple math: your total = visit + any membership + labs + your OptumRx drug copay + shipping.We won't invent a “starting at” number by stacking best-case prices. Look up your real drug copay and confirm your real visit cost, and you'll have a number you can trust.

What if OptumRx denies my estradiol or progesterone?

A denial usually doesn't mean the whole category is off-limits. It often means the exact product, strength, quantity, pharmacy, or a prior-authorization rule — so the first step is to read the denial reason, not to switch medications on your own.

Don't panic, and don't change your dose or brand yourself. Find out why first. A denial is almost always one of these:

• Not on the formulary (ask whether a covered alternative is clinically appropriate)
• Prior authorization required
• Step therapy required (try a preferred option first)
• Quantity limit hit
• Refill too soon
• Wrong or out-of-network pharmacy
• Information needed from your prescriber

Then loop in your prescriber. Ask whether the clinical team submits prior authorizations, responds to pharmacy requests, can switch you to a covered FDA-approved option when medically appropriate, and will support an appeal.

What if my pharmacy can't fill it?

First find out whether it's a coverage problem or an inventory problem. A different network pharmacy or Optum Home Delivery may have stock when your local one doesn't — but any transfer or treatment change should go through your pharmacist and prescriber.

Estrogen patches have had supply hiccups, which is frustrating when you're finally sorted. The calm sequence:

1. Ask the pharmacist: is the prescription rejected (a coverage issue) or out of stock (an inventory issue)? Different problems.
2. If it's stock, check other OptumRx network pharmacies nearby.
3. Ask whether Optum Home Delivery is eligible for your medication — mail order sometimes has supply when retail doesn't.
4. Have your prescriber transfer the script if you need to move pharmacies.
5. Only discuss switching forms (say, patch to gel) with your clinician — not on your own.

This is documented in the wild: Elektra's own shortage guidance points patients to in-network mail-order pharmacies like OptumRx as one route when a patch is hard to find, and OptumRx promotes home delivery for long-term medications. Good options exist — just confirm them rather than assuming.

What are my cash options if OptumRx doesn't work?

If your plan excludes a drug, or you'd rather skip insurance for a predictable flat bill, cash and membership options exist. They don't use your OptumRx benefit, but for some women they're cheaper or simpler than a high copay plus separate visit fees.

• Winona — a cash, flat-monthly menopause service with no membership fee that ships hormones to your door. Its lineup includes both FDA-approved finished products (estrogen patches and tablets, progesterone capsules) and compounded creams (not FDA-approved). Named prices: progesterone from $39/month, estrogen tablets around $54/month, the popular estrogen-cream-plus-progesterone combo around $89/month. Winona ships from its own pharmacy and doesn't bill prescription insurance, so it isn't an OptumRx route — but it's a well-reviewed flat-rate cash option (4.7 out of 5 from 5,400-plus Trustpilot reviews, per Trustpilot). See our Winona review for details.
• Hers— cash-pay menopause care marketed as “without insurance,” fulfilled through its own pharmacy with FDA-approved generics. Simple and fast, but not an OptumRx route. See our Hers review for details.
• Inner Balance (Oestra) — a cash subscription built around a single daily compounded cream that combines estradiol and progesterone. To be clear and compliant: this is a compounded product, not FDA-approved, and your OptumRx benefit generally won't cover it. It's $199/month for the first six months, then $99.50/month(HSA/FSA eligible). It can suit someone who wants one simple daily application and is comfortable paying cash for a compounded preparation — whether the formulation is right for you is a clinician's call.

A flat cash plan can be the better deal if your copay is high or your drug isn't covered. It's a real choice, not a consolation prize — pick it on purpose, not by accident.

When is online HRT not the right starting point?

Online care isn't right for everyone. A history of certain cancers, blood clots, stroke, heart attack, liver disease, or bleeding problems can make systemic hormone therapy inappropriate and needs clinician review. Unexplained postmenopausal bleeding needs diagnostic evaluation. Whether care starts online or in person depends on what your provider can safely assess.

We'd rather lose your click than send you down the wrong path. The FDA lists conditions where women should not take menopausal hormone therapy, including unusual vaginal bleeding, certain cancers, stroke or heart attack, blood clots, and liver disease. Please start in person, or talk with your own doctor first, if:

• You have severe or emergency symptoms (those need urgent local care).
• You have unexplained bleeding, or a history of certain cancers, clots, stroke, heart attack, or liver disease that needs hands-on evaluation.
• Your situation needs an exam or a test before anyone prescribes hormones.

Online HRT also doesn't replace your routine primary or gynecologic care. Tell any clinician your full health history and every medication you take — it's how they keep you safe. If you're not sure where you fall, our Find My HRT Path tool can return an “in-person first” result without trying to diagnose you.

What did The HRT Index actually verify?

This page separates four things: what providers publish, what insurer tools show, what individual patients report, and what we conclude. Commercial facts were checked against the dated sources in the matrix. Member-specific eligibility, formulary coverage, and copays were not verified — those are personal to your plan, and only your signed-in OptumRx account and your medical plan can confirm them.

What we checked (June 2026):

• Each provider's own published insurance information, prices, and state availability.
• Whether each provider sends prescriptions to your own pharmacy (so OptumRx can apply) or bundles them.
• Whether OptumRx is named directly anywhere (Elektra's FAQ does).
• FDA-approved vs. compounded medication statements, against the FDA and ACOG directly.
• OptumRx and Optum Home Delivery's published pharmacy information.

What we did not verify (because it's personal to you):

• Your individual eligibility, your specific formulary, or your exact copay.
• Any prescription approval before it's actually written.
• We did not test-enroll or place calls; where we cite a patient's experience, it's a published review labeled as such — not proof of coverage or results.

How we review providers

We evaluate every provider using The HRT Index Verification Standard — our documented process: we read every published price, separate FDA-approved from compounded, verify state availability and insurance, and re-check on a fixed schedule (top providers monthly, the full roster quarterly). We judge providers on exactly five pillars, in this order: clinical legitimacy, care quality, medication fit, price transparency, and access. We don't assign numeric scores.

Who made this: the editorial team at The HRT Index. How: from official provider pages, OptumRx member resources, and FDA and ACOG materials, with public patient discussions used only to understand the words and worries real women bring to this search. Why: because too many pages let an insurance logo stand in for a real coverage answer — and that costs you money and time.

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.

Frequently asked questions

Sources

• OptumRx and UnitedHealth Group — PBM role, Optum Home Delivery pharmacy information, formulary change dates
• U.S. Food and Drug Administration — compounded vs. FDA-approved hormones; menopause guidance and cautions; conditions where menopausal hormone therapy is not recommended
• American College of Obstetricians and Gynecologists (ACOG) — compounded bioidentical hormone therapy statement
• Midi Health — own published insurance, pricing, and pharmacy pages; Custom Rx cash-compounded disclosure (checked June 2026)
• Sesame Care — own published menopause program, pharmacy routing, and pricing pages (checked June 2026)
• Evernow — own published insurance and pricing pages (checked June 2026)
• Gennev — own published insurance, pricing, and pharmacy pages (checked June 2026)
• Elektra Health — own published insurance, pharmacy, and FAQ pages including direct OptumRx naming; government-plan acceptance statement (checked June 2026)
• PlushCare — own published insurance and HRT pages (checked June 2026)
• Winona — own published pricing, pharmacy, and product pages; Trustpilot rating (checked June 2026)
• Hers — own published menopause and pharmacy pages (checked June 2026)
• Inner Balance (Oestra) — own published pricing and compounded-product pages (checked June 2026)
• Cash-price estimates via Optum Perks (estimates; vary by pharmacy, location, and date)
• CalPERS 2026 enrollment notice — PBM transition from OptumRx to CVS Caremark

Prices and plan participation change; see “What did The HRT Index actually verify?” above for dates and what remains plan-specific. This page is educational, is not medical advice, and is not medically reviewed by a clinician. We may earn a commission if you start care through some links here, at no extra cost to you — and it never changes who we include or how we rank them. Talk with a licensed clinician about whether HRT is right for you. Also see: Does insurance cover HRT? · Online HRT that accepts Humana · HRT and Medicare Advantage