Stella Menopause Review (2026): Cost, Insurance, HRT, and Who It’s Really For

Q: How much does Stella cost in the US?

With insurance, most patients pay a copay, commonly around $45. Without insurance, self-pay is $200 for the initial visit and $90 per follow-up, and medication is billed separately by your pharmacy.

Q: Does Stella prescribe HRT?

Yes. Stella prescribes FDA-approved hormone therapy, including estrogen and progesterone, plus non-hormonal options, based on your health history and a clinician’s review.

Q: Does Stella prescribe testosterone?

Not in the US yet; Stella keeps a waitlist. Midi Health offers a women’s testosterone program in 24 states, covered by insurance. Testosterone is a Schedule III controlled substance with no FDA-approved product for women, so any use is off-label and requires a clinician’s prescription.

Q: Can you cancel Stella or get a refund?

Stella’s US clinic states it will refund you if it cannot provide care. Other cancellation and refund terms are not fully spelled out publicly, so confirm the policy in writing before you pay.

The HRT Index Editorial TeamIndependent women's health research

Published: June 3, 2026Last reviewed: June 3, 2026

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

By The HRT Index Editorial Team — The HRT Index is an independent comparison resource for HRT telehealth providers. We have no paid relationship with Stella— we earn nothing if you choose them. Some links to other providers (Midi, Winona, Hers) are affiliate links. Last verified: June 3, 2026. This article is for general information and is not medical advice.

The short version of our Stella menopause review: Stella is a real, licensed menopause clinic — not just an app — and for the right person it’s one of the lower-hassle ways to get FDA-approved hormone therapy in the US. Most insured patients pay about a $45 copay; if you pay cash, it’s $200 for your first visit and $90after. You usually don’t need lab work, and you can be seen within about a week.

🟢 Last verified: June 3, 2026 · Editorial review, not medical advice · Prices and policies change — confirm on Stella’s site before you book.

The verdict.

Stella (by Vira Health) is a legitimate US virtual menopause clinic with board-certified, menopause-trained clinicians in all 50 states. It prescribes FDA-approved estrogen and progesterone plus non-hormonal options, takes insurance (Aetna, Anthem, BlueCross BlueShield, UnitedHealthcare and more), is HSA/FSA-eligible, and rarely requires labs. Best for:insured women 35–70 who want specialist menopause care and real HRT without bloodwork or in-person visits. Not best for: anyone who needs testosterone now (US waitlist only), wants one flat cash price, or relies on Medicaid/Medicare (verify first).

Stella at a glance

Your question	The honest answer
Is Stella legit?	Yes. It’s a real menopause clinic from Vira Health, with licensed clinicians, a published price list, and FDA-approved prescriptions. “Legit” doesn’t mean “cheapest” or “right for you” — that depends on your situation.
What does it cost (US)?	~$45 average copay with insurance, or $200 first visit / $90 follow-up if you self-pay. Medication is billed separately and is usually covered by insurance.
Does it take my insurance?	Often, yes — in-network with hundreds of plans including Aetna, Anthem, BlueCross BlueShield, and UnitedHealthcare. You confirm your exact plan during a free check.
Does it prescribe real HRT?	Yes — FDA-approved estrogen and progesterone, plus non-hormonal options.
Does it prescribe testosterone?	Not yet in the US (waitlist only). This is the single biggest reason some women pick a different clinic.
Best for	Insured women 35–70 who want menopause-specialist care, FDA-approved HRT, no labs, and built-in coaching.
Not best for	Anyone who wants testosterone now, people who want one flat cash price, Medicaid/Medicare patients (verify first), or urgent/emergency symptoms.

Check whether Stella takes your insurance →Not sure? Take the free 60‑second quiz →

Free coverage check — it shows your likely copay in about a minute. We earn nothing from Stella.

Stella menopause review: is Stella legit, or is it “just an app”?

Stella is a legitimate menopause-care company, and in the US it’s a real virtual clinic — not only the app you may have seen advertised. It’s run by Vira Health, a women’s-health company started by Andrea Berchowitz and Dr. Rebecca Love, and its US clinicians are board-certified and licensed across all 50 states.

The confusion is fair, because “Stella” is actually two connected things: a medical clinic and a lifestyle app. Here’s the clean way to think about it:

The clinic.You complete a free health questionnaire, a board-certified clinician reviews it, and you have a video visit. They can prescribe HRT and non-hormonal treatments, sent to your pharmacy — often the same day. This is the part that treats your symptoms.
The app. After your first visit, you get 12 months of the Stella app included: unlimited wellness coaching, symptom tracking, a library of menopause articles, guided audio, and live events. This is the support layer around your care.
The employer/insurer route.Some women get the app through their employer or health plan. If that’s how you found Stella, check whether your benefit includes clinical care or only the app.

Why trust it? Verified signals:

Stella’s US clinicians are board-certified, and several are certified menopause practitioners — a credential from The Menopause Society that means they passed an exam in menopause care specifically.
Stella’s US site displays a HITRUST security certification (a recognized US health-data standard).
It prescribes only FDA-approved hormone therapy, not compounded mixes.

⚠️ The honest caveat — we’d rather tell you now.

Stella’s independentreview trail is still thin. On Apple’s US App Store the app holds a solid 4.6 out of 5, but from only 20 ratings (as of June 3, 2026), and on Trustpilot its unclaimed profile shows just a review or two and a low score (around 3 out of 5) — far too few to judge a whole service. That’s not a red flag for safety; it’s a reason to verify support details before paying.

See if Stella’s clinicians are in-network for your plan →

How much does Stella cost in the US — and does it take my insurance?

In the US, Stella’s clinicians are in-network with hundreds of insurance plans — including Aetna, Anthem, BlueCross BlueShield, and UnitedHealthcare — so most patients pay a copay (commonly around $45) instead of full price. If you don’t have coverage, self-pay is $200 for the initial visit and $90 per follow-up, and medication is billed separately by your pharmacy. Stella is also HSA/FSA-eligible, and it provides a superbill you can submit for out-of-network reimbursement.

Busting an outdated myth: some older “best HRT online” roundups still list Stella as cash-pay with no insurance. That’s outdated. Stella’s US pages now state plainly that its clinicians are in-network with major insurers and that most patients have a copay or coinsurance. Menopause telehealth changes fast — prices you read on a third-party list can be wrong the next day.

Cost item	What you pay	Notes
Free health questionnaire	$0	About 15 minutes; you find out your coverage before booking.
Initial visit (with insurance)	Often a copay (~$45 average)	Depends on your plan and deductible.
Initial visit (self-pay)	$200	One-on-one with a board-certified menopause specialist.
Follow-up visit (self-pay)	$90	Usually after about three months, or if you have questions.
Medication	Billed by your pharmacy	Stella prescribes FDA-approved meds, “typically covered by insurance.”
Out-of-network	Self-pay + superbill	Reimbursement up to 80% if your plan has out-of-network benefits — at your insurer’s discretion.
App access	Included for 12 months	Comes with your care, no separate charge.

Note: Apple lists in-app subscriptions at $22.49/month, $45.99/quarter, or $79.99/year (US App Store, June 3, 2026). Both app stores note the app is offered “through partners such as health insurers, employers, and communities.” Confirm availability before relying on app-only access — that subscription doesn’t include visits or prescriptions.

Check your coverage and see your real cost →

Free, about a minute, no commitment. We earn nothing from Stella.

What does Stella prescribe? Is it real, FDA-approved HRT?

Yes — Stella’s US clinicians prescribe FDA-approved hormone therapy (estrogen and progesterone) in standard forms like patches, gels, and capsules, plus non-hormonal options for symptoms like hot flashes, sleep, and mood. These are regulated, pharmacy-dispensed medicines, not compounded preparations.

Quick definitions, because the words matter:

HRT / hormone therapy (HT)— replacing the estrogen (and usually progesterone) your ovaries make less of during menopause. It’s the most effective treatment for hot flashes, night sweats, and several other symptoms.
FDA-approved— the product was reviewed and approved by the US Food and Drug Administration, made under strict, monitored quality controls. Stella’s FAQ says care may include FDA-approved HRT like estrogen or progesterone.
Compounded— a pharmacy mixes a custom version. Compounded products are notFDA-approved and were not reviewed for safety, effectiveness, or quality before marketing. They have a place for specific needs, but they’re a different category. Stella sits on the FDA-approved side.

If hormones aren’t right for you, Stella also offers non-hormonaltreatments — useful if you’ve had a hormone-sensitive cancer, a clotting disorder, or you simply prefer to avoid hormones. UK guidance from NICE notes that approaches like menopause-specific cognitive behavioral therapy can help vasomotor symptoms (hot flashes and night sweats) when hormones aren’t suitable.

The one thing Stella can’t do yet: testosterone

⚠️ Stella does not prescribe testosterone in the US right now — it keeps a waitlist instead.

If testosterone for low libido, energy, or mood is a priority for you, that’s a real reason to choose a different clinic today. We’re flagging it loudly because it’s the most common mismatch we see.

Here’s the straight talk, and the fix. Stella does NOT prescribe testosterone yet. If that’s your priority, Midi Health is the better path — Midi offers a women’s testosterone program in 24 states, covered by insurance. But because Stella focuses on FDA-approved estrogen and progesterone and takes insurance at roughly a $45 copay, for the many women whose main goal is relief from hot flashes, sleep problems, mood changes, or vaginal symptoms, Stella is worth a genuine look.

A compliance note we won’t skip, because it’s your health:

In the US, testosterone is a Schedule III controlled substance, there is no FDA-approved testosterone product for women(any use is off-label), and it always requires a prescription and clinician oversight. Midi itself describes its women’s testosterone as compounded, off-label therapy, requiring lab work and two visits before a prescription. No provider — Stella, Midi, or anyone else — should make it sound like a casual add-on.

Need testosterone? See if Midi is in-network for you →Not sure yet? Take the quiz →

What you actually get after you pay

With Stella’s US clinic you get a board-certified menopause visit, a personalized treatment plan, any prescriptions sent to your pharmacy, and 12 months of the Stella app — and if they can’t provide care, you get a refund. The pathway is built to be fast and low-effort, which is the whole point of telehealth.

Free questionnaire (~15 min). Stella screens your health history and risk factors and tells you your likely cost and coverage before you commit.
Video visit.You meet a board-certified clinician — usually within about a week — who builds your plan. Visits are by secure video on your phone or laptop.
Prescription to your pharmacy.If treatment is appropriate, it’s sent to your pharmacy, often the same day. You usually don’t need lab work: following Menopause Society guidance, menopause is typically diagnosed by your age, symptoms, and history — not a hormone test.
The app, for a year. Unlimited wellness coaching, symptom tracking, guided audio, a menopause library, and live events.
Follow-ups. Check-ins to adjust your treatment, typically around the three-month mark.

Set your expectations straight on results:

HRT isn’t a light switch. Many women start noticing relief in about 4–6 weeks, and it can take some trial and error to land on the right dose. About that “Stella works — 75% improve” line in their marketing: it comes from a Stella study of 76 app users who completed a plan and self-reportedimprovement. That’s encouraging, but it’s a small, self-selected sample — treat it as a hopeful signal, not a promise.

Stella reviews and complaints: what’s real, what’s noise

Public feedback on Stella is genuinely mixed and thin: the app earns warm ratings, but the independent sample is small, and there’s at least one pointed complaint worth taking seriously. The most useful takeaway isn’t “Stella is great” or “Stella is bad” — it’s that you should verify the support details before paying, because that’s where the real risk lives.

Source	What it shows	How to read it
Apple App Store (US)	4.6 / 5 from 20 ratings (June 3, 2026)	Solid score, but only 20 ratings. Reflects app experience, not medical visits.
Stella’s own site	Glowing patient testimonials (e.g., “fantastic, better than I have been in years”)	These are selected by Stella. Treat them as the company’s pitch, not neutral proof. Individual results vary.
Trustpilot	Unclaimed profile; ~3/5 from a review or two, including a “paid and got nothing” complaint	Tiny sample. The no-show complaint is worth noting — ask about response time and refund policy before paying.

The smart move: pin down the things complaints tend to be about — response times, who handles side effects, refund rules, and whether you keep the same clinician — before you enter a card. We turned that into a checklist further down.

Who is Stella best for?

Stella fits best if you want structured menopause care — clinician review plus coaching — and not just a quick prescription transaction. It’s especially worth a look if you’re insured, you want FDA-approved HRT without bloodwork, and you’d value built-in lifestyle support alongside your medication.

You’re a strong match if you are:

Insured (or using HSA/FSA) and want to keep costs to a copay.
35–70, in perimenopause or menopause, dealing with hot flashes, night sweats, sleep, mood, or brain fog.
Someone who wants a menopause specialist, not a generalist who treats menopause occasionally.
Tired of lab-heavyprocesses — Stella usually skips them.
Interested in coaching and habit support to go with treatment, not instead of it.
Offered Stella through an employer or insurer— just confirm whether your benefit includes clinical care or only the app.

Check Stella’s coverage and pricing for your state →

Who should look elsewhere first

Stella is the wrong first stop for medical emergencies, complex or high-risk histories that need in-person care, anyone who must have testosterone now, and people who only want the cheapest possible prescription. Telehealth is excellent for a lot of menopause care — but it has limits, and pretending otherwise would do you a disservice.

Please don’t use Stella (or any telehealth clinic) as your first move if you have:

A medical emergency— chest pain, stroke symptoms, sudden shortness of breath, or heavy/unexplained bleeding. Stella’s own site says its services aren’t for emergencies. Call your local emergency number.
Unexplained vaginal bleeding, a current or past hormone-sensitive cancer (like some breast cancers), a recent blood clot or stroke, active liver disease, or a complex medication history. These need a clinician review, sometimes in person, before any hormones.
Possible premature ovarian insufficiency (menopause symptoms under 40), which deserves specialist evaluation.

And the one honest money point: Stella is not the rock-bottom-cheapest, prescription-only route. If your onlygoal is the lowest possible medication cost with no extras, a leaner cash-pay service may beat it. But if you want covered, FDA-approved care from a menopause specialist with coaching included, the extra structure is the reason to choose Stella — not a markup to resent.

Take the free 60‑second HRT matching quiz →

Stella vs. the alternatives: Midi, Winona, and Hers

Compare Stella by care model, not just price.Its closest match is Midi — both take insurance and prescribe FDA-approved HRT nationwide — but Midi adds testosterone in some states, while Stella leans more into coaching. Winona and Hers are cash-pay options for people who’d rather pay a flat price than bill insurance.

✅ = verified on the provider’s own site, June 2026; “est” = third-party estimate, confirm before relying.

	Stella (US)	Midi Health	Winona	Hers
Model	Virtual menopause clinic ✅	Virtual midlife/menopause clinic ✅	Cash-pay telehealth ✅	Cash-pay telehealth ✅
States	All 50 ✅	All 50 (general care) ✅	Most states (est)	48 — all except NC & AR ✅
Takes insurance?	Yes — Aetna, Anthem, BCBS, UHC + more; HSA/FSA; superbill ✅	Yes — most PPOs, some Medicare Advantage; not Medicaid ✅	No — cash-pay; HSA/FSA; receipts ✅	No — cash-pay ✅
Cost with insurance	~$45 copay ✅	~$0–$30 copay (est)	n/a	n/a
Self-pay cost	$200 first / $90 follow-up ✅	~$150–$250/visit (est)	Varies; ~$73–$199/mo (est)	Oral from $79/mo; patches from $134/mo (12-mo plan) ✅
HRT type	FDA-approved ✅	FDA-approved ✅	FDA-approved patches/tablets/capsules + compounded creams ✅	FDA-approved estradiol & progesterone ✅
Testosterone	No — waitlist ✅	Yes — 24 states; compounded/off-label; labs + 2 visits ✅	No (offers DHEA instead) ✅	No ✅
Lab work	Usually none ✅	As needed; required for testosterone ✅	As needed (est)	As needed (est)
Coaching app	Yes, 12 months included ✅	Care plan; lighter coaching ✅	Portal + messaging (est)	App + 24/7 provider access ✅
Best for	Insured, FDA-approved HRT, no labs, coaching	Insurance + testosterone, or non-hormonal options	Flat cash price; bioidentical options	Flat cash price; existing Hims/Hers users

The simple way to choose:

Stella vs. Midi is the real head-to-head. Both are insurance-friendly and FDA-approved. Pick Stella if you want a simpler, coaching-forward experience for core symptoms, with no labs. Pick Midi if you also want testosterone (in one of its 24 states) or the widest set of non-hormonal options. See our Midi Health review.
Winona or Hersmake sense if you’d rather pay one flat price than deal with insurance. Winona offers a mix of FDA-approved and compounded bioidentical options (but does not prescribe testosterone); Hers offers FDA-approved estradiol and progesterone from $79/month. Neither bills insurance. See our Winona review.

Want testosterone too? Check Midi’s 24-state availability →

Prefer one flat price? See Winona →Or see Hers →Still weighing it? Take the quiz →

For the full picture across every provider we track, see our best telehealth for HRT comparison — this page stays focused on Stella.

Outside the US? Stella UK at a glance

In the UK, Stella works differently from the US: it’s a private online menopause clinic where the questionnaire is free, online appointments cost £95 when needed, and you collect prescribed medication from a pharmacy. Crucially for UK readers, Stella UK doesprescribe testosterone (the US clinic doesn’t yet), and it’s registered with the Care Quality Commission (the UK’s healthcare regulator).

The UK essentials we verified on Stella’s UK site:

Free 15-minute health questionnaire; a clinician recommends treatment or asks you to book a visit.
£95online appointment, only if more information is needed or you want one — not everyone needs it.
Prescriptions for body-identical HRT (estrogen and progesterone made by regulated pharmaceutical companies) and testosterone where appropriate.
Collect medication at Tesco Pharmacy or any pharmacy in England, Wales, or Scotland; £11–£70 for 90 days of HRT, similar to other pharmacies.
12 months of the Stella app after you pay; a repeat assessment before your 90-day prescription runs out.

UK clinical decisions follow NICE guidance, which recommends discussing the benefits and risks of each option and considering testosteronefor low sexual desire when HRT alone hasn’t helped. If you’re in the UK and want private, menopause-specific care with a clear price, Stella UK is a reasonable option to check.

Check Stella’s availability and pricing in your country →

Is HRT still risky? What changed in 2026

The biggest recent HRT news: the FDA is removing the long-standing “boxed warning” from estrogen menopausal hormone therapy. On November 10, 2025, the FDA and HHS announced they would remove the boxed warnings related to cardiovascular disease, breast cancer, and probable dementia from hormone therapy products containing estrogen. One exception stays: the endometrial-cancer boxed warning remains for systemic estrogen-only products.

Why this matters for your decision. That scary warning traced back to the Women’s Health Initiative — a study that tested hormone regimens mostly in women well past menopause, and then got applied to every form of HRT. As Harvard Health and The Menopause Society explain, modern options — like transdermal estradiol and micronized progesterone — are viewed differently today. The updated labeling adds guidance that starting hormone therapy makes most sense for women under 60 or within 10 years of menopausefor moderate-to-severe hot flashes and night sweats. If you read an older review still repeating “black box warning” and “lowest dose, shortest duration,” it’s behind the times.

That doesn’t mean HRT is risk-free. The FDA removed certain statements from the boxedwarning, but cardiovascular and breast-cancer information still appears elsewhere in the labeling, and the endometrial-cancer boxed warning stays for systemic estrogen-only products. Good news and informed caution can both be true — which is exactly why a clinician should review your history (clots, hormone-sensitive cancer, liver disease, heart attack or stroke) before you start.

What to check before you book Stella

Before you pay, confirm the exact pathway you’re entering and the support you’ll get if something goes sideways — because that’s where most regret comes from, not the headline price. Ask Stella directly (it’s free to ask before you commit):

Is this the US clinic, UK clinic, employer/insurer benefit, or app-only? Which am I in?
Is the health questionnaire free, and will it show my cost before I book?
Will I need a paid appointment before any prescription decision?
Is my exact insurance planin-network, and what’s my copay?
Are medications included or billed separately, and can I see the cost first?
Is HSA/FSA accepted, and will I get a superbillif I’m out-of-network?
Who handles side effects or dose changes, and how fast do they respond?
Do I keep the same clinician for follow-ups?
What’s the cancellation and refund policy?
Does my app access renew or end after 12 months?

And take screenshots as you go — the price page, checkout total, insurance confirmation, and cancellation language. If a detail ever changes, you’ll have a record.

How we reviewed Stella

We separated three kinds of facts: commercial details (price, insurance, app), medical facts (FDA status, safety, prescribing), and our own editorial judgment about fit — and we sourced each kind appropriately.

What we actually verified (June 3, 2026):

✅ Stella’s US clinic pages: 50-state availability, in-network insurers (Aetna, Anthem, BlueCross BlueShield, UnitedHealthcare), ~$45 average copay, self-pay $200 initial / $90 follow-up, HSA/FSA and superbill up to 80%, FDA-approved prescribing, testosterone waitlist, refund if care can’t be provided, ages 35–70, 12-month app included, HITRUST badge.
✅ Stella UK: £95 appointments, Tesco Pharmacy, body-identical HRT and testosterone, £11–£70 per 90 days, CQC registered.
✅ App Store rating (4.6 from 20 ratings) and in-app subscription prices ($22.49 / $45.99 / $79.99) pulled directly.
✅ Midi Health: testosterone in 24 states, compounded/off-label, labs and two visits required, no FDA-approved testosterone for women.
✅ Winona: FDA-approved patches/tablets/capsules plus compounded creams; does not prescribe testosterone; cash-pay with HSA/FSA.
✅ Hers: estradiol and progesterone; 48 states (not NC or AR); oral from $79/month, patches from $134/month; cash-pay.
✅ 2026 FDA labeling change cross-checked against FDA, HHS, The Menopause Society, and Harvard Health.

What we could not fully confirm (verify these live before relying on them):

The current US checkout total for yourplan, the up-to-date in-network insurer list for your state, the exact cancellation/refund terms, the current medication formulary, whether app access auto-renews, and whether you’re guaranteed the same clinician at follow-ups. These can change — which is why this page carries a “last verified” date and gets re-checked.

Medical note: This page is educational and does not replace care from a licensed clinician. Hormone therapy is not right for everyone, and treatment decisions should be made with a clinician who knows your full history. We have no paid or affiliate relationship with Stella.

Stella menopause review: FAQ

Is Stella menopause legit?

Yes. Stella is a real menopause-care company from Vira Health, with a licensed US virtual clinic, board-certified clinicians in all 50 states, FDA-approved prescriptions, and a HITRUST security certification shown on its US site. Legitimacy doesn’t mean it’s the cheapest or the right fit for everyone — that depends on your needs.

How much does Stella cost in the US?

With insurance, most patients pay a copay (commonly around $45). Without insurance, self-pay is $200 for the initial visit and $90 per follow-up, and medication is billed separately by your pharmacy.

Does Stella take insurance?

Often, yes. Stella’s US clinicians are in-network with hundreds of plans, including Aetna, Anthem, BlueCross BlueShield, and UnitedHealthcare. It’s also HSA/FSA-eligible and offers superbills for out-of-network reimbursement. Confirm your specific plan in Stella’s free coverage check before booking.

Does Stella accept Medicaid or Medicare?

Stella works with many commercial plans, but public coverage like Medicaid and Medicare varies and isn’t guaranteed. Run the free coverage check with your specific plan before booking; if you’re not covered, you can still self-pay ($200 initial, $90 follow-up) or compare other routes.

Does Stella prescribe HRT?

Yes. Stella prescribes FDA-approved hormone therapy — estrogen and progesterone — along with non-hormonal options, based on your health history and a clinician’s review.

Does Stella prescribe testosterone?

Not in the US yet — it keeps a waitlist. Midi Health offers a women’s testosterone program in 24 states, covered by insurance. (Testosterone is a Schedule III controlled substance with no FDA-approved product for women, so any use is off-label and requires a clinician’s prescription.)

Do I need lab work to start with Stella?

Usually not. Following Menopause Society guidance, menopause is typically diagnosed by age, symptoms, and history rather than hormone tests. Labs are ordered only if your clinician sees a specific reason.

Is the Stella app the same as the clinic?

No. The app provides coaching, symptom tracking, and resources, while the clinic provides medical visits and prescriptions. In the US the app is included free for 12 months with clinical care; on its own, the app subscription ($22.49/month, $45.99/quarter, or $79.99/year) does not include visits or prescriptions — and the app stores note app access is often offered through employers or insurers.

Can you cancel Stella or get a refund?

Stella’s US clinic states it will refund you if it can’t provide care. Other cancellation and refund terms (for example, after a visit, or for the app subscription) aren’t fully spelled out publicly, so confirm the policy in writing before you pay.

What do Stella reviews say?

The Stella app holds 4.6 out of 5 from 20 ratings on Apple’s US App Store as of June 3, 2026, but independent reviews are limited; its Trustpilot profile shows only a review or two and a low score. Read recent reviews yourself and verify support details before paying.

Is Stella good for urgent symptoms?

No. Stella’s own site says its services are not for medical emergencies. For chest pain, stroke symptoms, sudden shortness of breath, or unexplained bleeding, seek emergency care.

How is Stella different in the UK?

The UK service is a private online clinic with a free questionnaire, £95 appointments when needed, and medication collected at a pharmacy (£11 to £70 for 90 days). Stella UK also prescribes testosterone, unlike the US clinic, and is registered with the Care Quality Commission.

Still deciding?

If you’re insured, want FDA-approved HRT without the bloodwork, and like the idea of coaching alongside your care, Stella is a credible, specialist option worth checking. If you want testosterone, a flat cash price, or you rely on Medicaid or Medicare, another route may serve you better — and that’s fine. The goal is to help you take the next real step with confidence.

Get my personalized HRT match →Check Stella’s coverage →

Related guides

Sources

Stella US clinic, insurance, and “begin” pages — us.onstella.com (50 states, in-network insurers, $200/$90 self-pay, ~$45 copay, HSA/FSA, superbill up to 80%, FDA-approved meds, testosterone waitlist, refund if care can’t be provided, ages 35–70, 12-month app included, HITRUST badge) — verified June 3, 2026.
Stella UK clinic — onstella.com (£95 appointments, Tesco Pharmacy, body-identical HRT and testosterone, £11–£70 per 90 days, CQC registered).
Apple App Store — Stella | Menopause relief (4.6 from 20 ratings; in-app prices $22.49 / $45.99 / $79.99; partner-access language) — verified June 3, 2026.
Trustpilot — onstella.com (unclaimed; very small review sample; low score).
Midi Health — joinmidi.com and joinmidi.com/testosterone (all 50 states for general care; testosterone in 24 states; compounded/off-label; labs and two visits required; no FDA-approved testosterone for women).
Winona — bywinona.com (FDA-approved patches/tablets/capsules plus compounded creams; does not prescribe testosterone; offers DHEA; cash-pay with HSA/FSA).
Hers — forhers.com (estradiol and progesterone; 48 states, not NC or AR; oral from $79/month, patches from $134/month on a 12-month plan; cash-pay).
FDA boxed-warning removal (Nov 10, 2025) — HHS; The Menopause Society; Harvard Health.
NICE menopause guideline NG23 (UK) — individualized HRT decisions; testosterone for low sexual desire; CBT for vasomotor symptoms.

The HRT Index is an independent comparison resource for HRT telehealth providers. This article is for general information and is not medical advice. We have no paid relationship with Stella. Some links to Midi, Winona, and Hers are affiliate links — we may earn a commission at no extra cost to you; our conclusions are based on fit and evidence, not payouts. Affiliate disclosure · Methodology.