Cost Breakdown · July 2026
Stella Menopause Cost in 2026: What You'll Actually Pay
Verified July 2026 · Independent · Not affiliated with Stella
Stella menopause cost at a glance
Stella menopause cost in the United States is $200 for your first video visit and $90 for each follow-upif you pay cash. Medication is billed separately at your pharmacy, and there's no clinic membership fee. Stella's care pages advertise being in-network with hundreds of insurance plans at about a $45 average copay — but Stella's own Terms of Service say Vira Health, the company behind the platform, doesn't accept commercial insurance and that you're paying cash. That gap between what Stella's marketing says and what its own legal fine print says is the single most important thing on this page.
| Stella menopause cost (U.S.) | Amount |
|---|---|
| First visit (cash) | $200 |
| Each follow-up (cash) | $90 |
| Clinic membership | None |
| Medication | Billed separately at your pharmacy |
| App + coaching (12 months) | Included after first visit |
| Advertised insurance copay | ~$45 average — but verify; see below |
Best for you if:
- You have insurance you can confirm Stella will bill
- You want FDA-approved menopause medication from a menopause specialist
Not the cheapest if:
- You're paying out of pocket ($200 is more than Wisp's $99 or Sesame's $59/mo)
Not for you if:
- You're on Medicare or Medicaid
- You want testosterone (not offered in the U.S. yet)
- Stella's checker says your state or plan isn't available
Want to see what you'll really pay, all in? Jump to the first-year cost breakdown.
How much does Stella menopause care cost in the U.S.?
Stella's published U.S. cash prices are $200 for the initial video visit and $90 for each follow-up visit, with no clinic membership fee. That price covers the appointment with a menopause clinician plus 12 months of the Stella app — but not your medication, which you fill and pay for at your own pharmacy. So $200 is your starting cost, not your full treatment cost. (Source: Stella's U.S. site, verified July 2026.)
Here's what your first $200 actually buys, straight from Stella's U.S. site:
- ✓A video visit with a board-certified clinician who specializes in menopause and women's health.
- ✓A prescription sent to your pharmacy if a clinician decides hormone therapy is appropriate for you.
- ✓Access to the Stella app for 12 months: wellness coaching, symptom tracking, sleep audio, and a menopause library.
- ✓No routine blood tests needed to get started for most women. (ACOG notes women under 45 — especially under 40 — may be offered hormone testing based on their situation.)
Stella says follow-ups are often needed after about three months, or when you have symptom updates, questions, or a refill — but the actual schedule is set by your clinician, not a fixed rule. How many you'll have in a year is the main thing that moves your cost.
First-year visit cost, cash-pay (before medication)
| Your first year | Visit math | Care-only total | Per month |
|---|---|---|---|
| First visit only | $200 | $200 | ~$17 |
| First visit + 1 follow-up | $200 + $90 | $290 | ~$24 |
| First visit + 2 follow-ups | $200 + $180 | $380 | ~$32 |
| First visit + 3 follow-ups | $200 + $270 | $470 | ~$39 |
| First visit + 4 follow-ups | $200 + $360 | $560 | ~$47 |
The HRT Index calculation using Stella's published $200 and $90 fees, verified July 2026. Clinical-visit totals only — medication is separate and covered below.
The honest part:if you're paying cash, $200 to walk in the door is steep. Wisp charges a flat $99 (which uniquely includes follow-ups and three months of care-team access). Winona has no visit fee at all. So if the lowest cash price is what matters most to you, Stella probably isn't your cheapest route. But that $200 is misleading for most women — because Stella is set up around insurance, not a monthly membership. On paper, an insured woman pays far less. The catch is that “on paper” is doing a lot of work, because Stella's own documents don't fully agree on whether it bills insurance at all.That's the next question.
Does Stella take insurance? The honest answer (and the fine print nobody's reading)
The conflict you need to know about before you pay:
Stella's marketing pages say its clinicians are in-network with hundreds of insurance plans — including Aetna, Anthem, Blue Cross Blue Shield, and UnitedHealthcare — at an average copay of about $45 per visit. But Stella's own Terms of Service, updated August 14, 2025, say Vira Health does not accept commercial insurance and is not enrolled in Medicare or Medicaid, and that you obtain services on a cash-pay basis. Both statements are live on Stella's site right now. Until you confirm your specific plan and which entity bills you, you don't know which statement applies to your visit.
What Stella's insurance & FAQ pages say:
- Clinicians in-network with “hundreds” of plans
- Named examples: Aetna, Anthem, Blue Cross Blue Shield, UnitedHealthcare
- Average copay about $45, varies by plan and deductible
- Instant cost estimate after entering your plan details
- HSA/FSA payment accepted
- Superbill for out-of-network reimbursement (up to 80% if your plan has OON benefits)
What Stella's Terms of Service (Section 7) say:
- Vira Health does not accept commercial health insurance
- It is not enrolled with Medicare or Medicaid
- You are choosing to obtain services on a cash-pay basis
- If you're on a federal health program, no claim will be submitted
The most likely explanation: telehealth companies are often built in two layers. There's the platform company(Vira Health, Inc.) that runs the website and app — and by its own terms, “is not itself a healthcare provider.” Then there are the medical groups— independent, physician-owned practices that actually employ the clinicians who treat you. It's common for the platform company to stay cash-pay while the affiliated medical group bills insurance. That would explain it. But Stella's public documents don't confirm which entity bills your specific visit. Translation: don't assume the $45 copay is yours until someone at Stella and someone at your insurer confirm it for your exact plan.
Every place Stella's own pages don't line up
| Question | Stella's public pages say | Stella's terms / other sources say | What we'd do | Status |
|---|---|---|---|---|
| Does it take insurance? | In-network with hundreds of plans; ~$45 avg copay | Terms (Aug 14, 2025): Vira Health is cash-pay; no Medicare/Medicaid | Verify your exact plan and which entity bills you, in writing | Unresolved in Stella's own docs |
| Is the app included or extra? | 12 months of app access included after first visit | U.S. App Store lists standalone subscription ($22.49/mo, $45.99/qtr, $79.99/yr) “available through partners” | Don't add an app fee to your clinical total unless checkout confirms one | Relationship unclear |
| Is $200 the real starting price? | Standard initial visit is $200 | Some partner pages show $175 with a code; $150 for Nomad Health members | Check whether your employer or insurer unlocks a lower rate | Eligibility-only |
| Available in all 50 states? | Clinicians serving patients in 50 states | Live checker can return “not available” for some states or plans | Confirm your state and plan in Stella's checker | Confirm live |
| U.S. or U.K. price? | U.S.: $200 / $90 | U.K.: £85 / £45 / £10 + £11–£70 for meds | Use the U.S. prices; ignore the £ figures | Verified |
How to confirm your real Stella price before you pay
Do these in order. It's the difference between a $45 copay and a $200 charge.
- Start Stella's coverage check at their site and enter your state and exact plan.
- Save or screenshot the estimate it shows you.
- Ask which entity bills your visit — the platform or the medical group — and get the clinician's or group's name.
- Call your insurer and confirm that entity and clinician are in-network for your plan.
- Ask whether your deductible applies first (if you haven't met it, you may owe the full contracted rate, not $45).
- Confirm your medication is covered under your pharmacy benefit — that's separate from the visit.
- Write down the reference number, the rep's name, and the date.
A script you can read to your insurer:
“I'm looking at a virtual menopause visit through Stella. Can you confirm whether the billing entity and clinician are in-network for my plan, what I'd owe for the first and follow-up visits, whether my deductible applies, and whether my medication is covered under my pharmacy benefit?”
Ready to see what your plan says?
Check whether your plan is in-network and get Stella's cost estimate. This goes to Stella's official coverage checker. We don't earn anything from it.
Check My Stella Plan Coverage →Editorial link — we earn nothing from Stella
If you're on Medicare or Medicaid:Stella's terms are clear that it won't submit a claim to those programs. Confirm with Stella whether it will still see you as a self-pay patient, or start with a clinician who participates in your plan. Find My HRT Path can flag when in-network local care is the smarter first move.
What does the Stella price include — and what costs extra?
Stella's visit fee (or copay) covers the clinician appointment and, after your first visit, 12 months of app access with wellness coaching. It does not cover your medication, which is prescribed to your pharmacy and billed separately. Most people don't need lab work to start, so there's usually no lab charge — but a clinician can order tests if your situation calls for it.
| What you get | Included in the visit? | Costs extra? | What to confirm |
|---|---|---|---|
| Clinician video visit | ✅ Yes | — | — |
| Follow-up visits | — | ✅ $90 each | How many you'll need |
| Medication | — | ✅ At your pharmacy | Your plan + pharmacy price |
| Stella app + coaching (12 mo) | ✅ Yes | — | Confirm it's activated |
| Routine starter labs | ✅ Usually not needed | ⚠️ Only if ordered | Which lab, what price |
| Referrals / outside care | — | ✅ Not in the Stella price | Provider + coverage |
About your medication cost
This is the biggest variable, and it's genuinely out of Stella's hands — it depends on your plan's formulary, whether you get a generic or brand, your dose, your route (pill, patch, gel), and your pharmacy. As a rough starting point (generic, cash, with a GoodRx coupon, July 2026 — your exact price depends on the drug, dose, pharmacy, and ZIP code):
Check GoodRx or ask your pharmacy for yournumber before you fill — that's the one figure this page can't pin down for you, because it's personal to your prescription.
How much does the Stella app cost by itself?
Stella's U.S. clinic says 12 months of app access are included after a clinical visit. Separately, the U.S. App Store lists a standalone app subscription — $22.49 monthly, $45.99 quarterly, or $79.99 annually— described as available through partners. Stella's public pages don't explain how those two routes relate, so don't add an app charge to your clinical total unless Stella or the checkout confirms one. The standalone subscription is most often reached through an employer, insurer, or community partner rather than bought directly.
Will you have to pay for blood tests?
Usually not. Stella doesn't publish a routine starter-lab charge because it says most patients don't need hormone testing to begin. If a clinician does order testing based on your age, symptoms, or history, add the laboratory's actual charge or your insurance responsibility separately.
What will Stella really cost you in the first year?
Your first-year Stella cost is your visits plus your medication. The visits are simple: $200 plus $90 per follow-up. Medication is added from your own pharmacy quote, because Stella doesn't publish a universal medicine price. With confirmed in-network insurance, you replace the visit fees with your copays — often far less — though your deductible can change that.
A quick summary can tell you “$200 and $90.” It can't tell you what you'llpay, because that depends on your follow-ups, your medication, and your coverage. Here's how to build your own number in two minutes.
Your visits
Take your expected number of follow-ups from the table above. First visit only is $200; one follow-up is $290; and so on up to $560 for four.
Your medication
Get your generic cash price from GoodRx or your pharmacy, then multiply by 12. As a feel for the range: an estrogen-pill regimen might add roughly $150–$360 in generic medication across the year; a patch-plus-progesterone regimen typically more. This is the number to confirm for yourself.
Add them
Visits + medication (+ any labs, only if ordered) = your realistic first-year total.
An insured example (illustration only, not a quote):
If you confirm a $40 copay for your first visit and $40 for a follow-up, and you have three follow-ups, that's $160 in visit copays for the year — plus whatever your pharmacy benefit charges for the medication. Don't treat Stella's advertised $45 average as your personal price; it's an average across plans, and your deductible could move it up or down.
Are you looking at Stella U.S. or Stella U.K.?
Stella runs separate services in the U.S. and the U.K. under the same brand, and they price differently. If you're in the United States, the pound prices you may have seen don't apply to you. U.S.: $200 to start, $90 per follow-up, medication at your pharmacy. U.K.: around £85 for an initial appointment, £45 for a repeat, a £10 prescription fee, and £11–£70 for 90 days of medication.
| Feature | Stella U.S. (us.onstella.com) | Stella U.K. (onstella.com) |
|---|---|---|
| How you pay | Per visit (no membership) | Per appointment, when needed, plus prescription and medication charges |
| First appointment | $200 | £85 if needed |
| Follow-up / repeat | $90 | £45 |
| Prescription fee | None separately; meds at your pharmacy | £10 |
| Medication | Pharmacy cost, separate | £11–£70 per 90 days |
| Insurance | Marketed as in-network (verify) | Private pay |
| Testosterone | Not offered yet (waitlist) | Offered (prices vary) |
The lesson is simple: match the site to your country before you compare a single price. If the page you're reading shows pounds and you're in the U.S., you're on the wrong Stella.
How does Stella's cost compare to other menopause telehealth?
For an insured woman who can confirm coverage, Stella at roughly a $45 copay is strong value for FDA-approved, menopause-specialist care. For a cash-payer, cheaper options exist: Wisp ($99 flat, which includes follow-ups and three months of care-team access), Sesame ($59/month menopause plan), and Hers ($79/month with medication included). Winona has no visit fee and starts at $39 per product. (Source: each provider's own pages, verified July 2026.)
| Provider | What you pay | Bills insurance? | Medication | Testosterone |
|---|---|---|---|---|
| Stella | $200 first / $90 follow-up (cash); ~$45 copay if in-network — verify | Marketed in-network; terms say cash-pay — verify | FDA-approved estradiol + progesterone; pharmacy separate | Not in the U.S. yet (waitlist) |
| Midi Health | $250 first / $150 follow-up; plan copay if in-network | Yes — most PPO plans | FDA-approved HRT; pharmacy separate | Yes, ~25 states — compounded, not FDA-approved; labs required |
| Hers | From $79/mo (oral) or $134/mo (patch); 12-month plan, billed upfront | No (cash) | FDA-approved estradiol + progesterone; included | Not in the menopause plan |
| Winona | $39–$149 per product; no visit fee | No (cash) | Mixed: FDA-approved tablets, capsules, patch plus compounded creams — verify the exact product | No — offers DHEA (not testosterone, not an equivalent) |
| Wisp | $99 flat (consult + follow-ups + 3 months care-team access) | No (cash) | FDA-approved; pharmacy separate | No |
| Sesame | $59/mo menopause plan ($49 for Costco members) | No (cash for visits) | FDA-approved via prescriber; pharmacy separate | No — can't prescribe controlled substances online |
Compounded medicines are not FDA-approved and are not equivalent to FDA-approved products. Prices verified July 2026 — confirm current terms on each provider's site. Stella and Wisp links are editorial (we earn nothing). Midi, Hers, Winona, and Sesame links are affiliate links — see our disclosure.
A quick word on FDA-approved vs compounded:
An FDA-approved medicine has been reviewed by the FDA for safety, effectiveness, and quality. A compounded medicine is mixed by a pharmacy to order; it is not FDA-approved. That doesn't make compounded medicine illegitimate — it's a real, regulated pathway many women choose on purpose — but it's a different category, not a cheaper version of the same drug.
So who should actually pick what?
We may earn a commission if you start care through some of the alternative-provider links below. We are not paid by Stella. Commissions never change our facts or who we say each provider actually fits.
You have insurance you can confirm Stella will bill
Stella is a genuinely good deal. Verify coverage first, then book.
You're insured but Stella isn't available in your state, or you also want testosterone
Midi bills insurance across most PPO plans, covers all 50 states, and offers testosterone in about 25 states. Note: Midi's self-pay visits run higher than Stella's, and its testosterone is compounded — not FDA-approved — and requires lab work and monitoring.
You're paying cash and want the lowest FDA-approved price
Wisp at a flat $99 (includes follow-ups and three months of care-team access; medication separate), or Hers at $79/month with FDA-approved medication included (billed as a 6- or 12-month commitment upfront), or Sesame at $59/month.
You want no visit fee and medication included
Winona starts at $39 per product with no appointment charge. Its tablets, capsules, and patch are FDA-approved; its creams are compounded — verify the exact product. Winona doesn't offer testosterone; it offers DHEA, which is a different medication and shouldn't be treated as testosterone or a safer stand-in.
Need an insurance-billing alternative, or testosterone care?
Reminder: Midi's testosterone is compounded, not FDA-approved, and currently limited to about 25 states.
Check Whether Midi Is In-Network for Your Plan →What happens if you cancel or miss a Stella visit?
Per Stella's U.S. terms, you get a full refund if you cancel at least 24 hours before your appointment. Cancel inside 24 hours, or no-show, and you're charged $25(if you prepaid, you're refunded the rest, minus the $25). There's no clinical membership to cancel — you only pay per visit. (Source: Stella's U.S. Terms of Service, verified July 2026.)
| When you cancel | What you're charged |
|---|---|
| At least 24 hours ahead | Full refund |
| Within 24 hours, or no-show | $25 |
One clarification: canceling an appointmentis different from any app subscription or employer benefit, which can have their own rules. If you signed up for a standalone app plan somewhere, check that plan's cancellation terms separately.
Is Stella available in your state?
Stella says it has board-certified clinicians serving patients in 50 states, but it accepts insurance in most states, not all — and its own coverage checker can still return “not available” for certain plans or locations. Whether the service is available, and whether your insurance is accepted for it, are two different things. Check both for your state before you count on either. (Source: Stella, verified July 2026.)
“Clinicians in 50 states” does not automatically mean “your plan is accepted in your state” or even “the service is live in your state today.” The only reliable answer is Stella's live checker with your state and plan entered. If it reports that visits aren't available where you are, that's your cue to compare a provider like Midi (all 50 states) or to use the quiz to find one licensed in your state.
Is Stella worth the cost?
Stella is most worth it when you can confirm your plan will be billed and you value a real-time video visit plus a year of app and coaching support, without a recurring clinic membership. It's a weaker deal for a cash-payer who wants medication bundled into one predictable price, and it's not the right tool if you need testosterone now or you're on Medicare or Medicaid. This is our editorial conclusion, based on the verified prices above — not medical advice.
Clinical legitimacy
Stella's care is delivered by licensed clinicians through independent, physician-owned medical groups, with a real identity-verification step. It's a legitimate clinical service, not a supplement shop. The main caveat is transparency, not legitimacy — see price transparency below.
Care quality
You get a live video visit with a clinician who specializes in menopause, plus 12 months of coaching and app support, and Stella advertises same-day prescriptions when a clinician decides medication is appropriate. If you'd rather have unlimited messaging than scheduled visits, a subscription model may suit you better.
Medication fit
Stella prescribes FDA-approved estradiol and progesterone — the standard, FDA-reviewed menopause hormones — in pill, patch, gel, and vaginal forms. Confirm the exact product your clinician recommends and that its prescribed use is FDA-approved. Stella does not offer testosterone in the U.S. yet.
Price transparency
This is Stella's real weak spot. The cash prices ($200/$90) are clear and there's no hidden membership. But the insurance story is genuinely muddled in Stella's own documents, there's no published medication total, the app's standalone pricing sits oddly next to the "included" clinic claim, and some employer-partner pages advertise discounted visit rates that aren't the standard price. You can get a clear number — you just have to verify it yourself rather than trust the homepage.
Access
Clinicians serving patients in 50 states, insurance in most states, ages 35–70, with a live checker that can return "unavailable." Good reach, but confirm your state.
Bottom line:
If your coverage checks out, Stella is a strong, credible choice and one of the more affordable legitimate paths to FDA-approved menopause care. If it doesn't — or you can't get a straight answer on billing — treat it as a $200 cash visit and compare the cheaper cash options above. Want the full legitimacy verdict rather than just the cost picture? Read our complete Stella menopause review.
What do Stella patients say about the experience?
Reviews are useful for the experience— how women felt about being heard, the app, the communication. They can't tell you whether treatment will work for you, so we don't use them that way, and neither should you.
“My OB/GYN did not take my symptoms seriously and would not prescribe HT.”
That quote captures why a lot of women look for a service like Stella in the first place: they hit a wall with a general doctor who wouldn't treat their menopause. On the other side, a recurring complaint in app-store reviews is about pricing — some women felt the “free” assessment led them toward a paywall before they got real help. That frustration is the exact reason this page exists: to hand you the numbers up front, so nothing feels like a bait-and-switch.
What did we verify about Stella's cost?
We think you should know how a page like this gets made, so here's our work.
From Stella's U.S. pages (July 2026):
The $200 initial and $90 follow-up cash prices; "in-network with hundreds of plans" and ~$45 average copay marketing; HSA/FSA acceptance; the superbill and up-to-80% out-of-network language; 12 months of included app access; the "no routine labs to start" policy; ages 35–70; the testosterone waitlist.
From Stella's Terms of Service (dated August 14, 2025):
The cash-pay clause; the "not enrolled in Medicare/Medicaid" language; the $25 late-cancel/no-show fee and 24-hour full-refund policy; the platform-versus-medical-group entity structure.
From Stella's U.S. App Store listing and partner pages:
The standalone app subscription prices ($22.49/mo, $45.99/quarter, $79.99/year) and the eligibility-only partner discounts.
From Stella's U.K. FAQ:
The £85 / £45 / £10 appointment and prescription fees and £11–£70 medication range — confirming the U.S./U.K. gap.
From each competitor's own pages (July 2026):
Midi, Hers, Winona, Wisp, and Sesame pricing, medication type, and insurance policies in the comparison table.
Medication figures:
Generic cash prices via GoodRx — estimates; your pharmacy sets the actual price.
What we could not verify (confirm yourself):
- Which entity bills your specific visit and whether your exact plan is in-network
- Your personal copay after any deductible
- Your medication's cost on your plan
- How the standalone app subscription relates to included clinic access
- Current state-by-state availability
Stella's live checker plus a call to your insurer settles the ones that matter for your bill.
Last verified: July 20, 2026
Frequently asked questions about Stella menopause cost
Current facts, with flags for what needs your own confirmation before you pay.
How much does Stella cost without insurance?
Does Stella actually take insurance?
What is Stella's average copay?
Is medication included in the Stella price?
Is the Stella app a separate cost?
Is there a Stella membership fee?
Can I use my HSA or FSA?
Can Stella give me a superbill?
Does Stella accept Medicare or Medicaid?
Do I need blood tests before a Stella visit?
What does a Stella follow-up cost, and how often?
What's Stella's cancellation policy?
Is Stella available in all 50 states?
Does Stella prescribe testosterone in the U.S.?
Are Stella's treatments FDA-approved?
Is Stella worth the cost?
Still not sure which HRT program is right for you?
You came here to answer one question — what Stella costs — and now you know: $200 to start, $90 per follow-up, medication separate, and an insurance promise worth verifying before you pay. That's enough to make a smart decision.
If you're still torn between Stella and a cheaper or better-fitting option, take our free ~90-second matching quiz.
Stella link is editorial — we earn nothing from Stella
Sources & verification
Every price, policy, and medical statement on this page traces to a primary source, checked in July 2026.
- Stella U.S. pricing, insurance, and FAQ — us.onstella.com/begin, us.onstella.com/insurance, us.onstella.com/faqs
- Stella U.S. Terms of Service (last updated August 14, 2025) — us.onstella.com/terms-and-conditions
- Stella U.S. App Store listing (standalone app subscription, partner language)
- Stella U.S. partner pages (eligibility-only visit discounts)
- Stella U.K. FAQ — onstella.com/faqs
- Midi Health pricing, insurance, and testosterone pages — joinmidi.com/pricing-insurance
- Hers menopause — forhers.com/menopause
- Winona products and FAQ — bywinona.com/product, bywinona.com/faq
- Wisp menopause consultation — hellowisp.com/products/menopause-consult
- Sesame menopause subscription — sesamecare.com (verified July 2026)
- GoodRx — generic estradiol and micronized progesterone cash prices
- U.S. Food & Drug Administration — FDA-approved vs compounded drugs; testosterone status — fda.gov
- ACOG — hormone testing in perimenopause — acog.org
- The Menopause Society — menopause diagnosis — menopause.org
The HRT Index is an independent decision resource for online menopause and HRT care for women. This page is educational and is not medical advice or a substitute for care from a qualified clinician. FDA-approved and compounded medications are different categories, and compounded options are never implied to be safer than, more natural than, or equivalent to FDA-approved medication. Last verified July 20, 2026.