7 Best Online HRT Providers (2026)
Hormone replacement therapy is now widely available through telehealth. These seven providers are the most accessible, honest options — compared side by side on price, lab requirements, and who they serve best.
Medically reviewed by Jill Garnier, MDFor most women, Winona is the easiest way into online HRT — no consult fee, no labs required, and pricing from about $39/month depending on formulation. The seven providers below are ranked side by side on price, insurance acceptance, and lab requirements, verified June 2026 — confirm before enrolling.
On this page
- What you'll actually pay
- What to compare when choosing an online HRT provider
- Winona — best price, no labs required
- Alloy — best for expert care at an accessible price
- Midi Health — best for insured patients
- Wisp — best for using your own pharmacy
- Inner Balance — best for cream-based HRT without labs
- PlushCare — best for HRT alongside primary care
- Evernow — best for HRT-focused physician care
- Annual cost comparison
- Frequently asked questions
What you'll actually pay
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No consultation fee. Symptom-based prescribing — no labs required, à la carte per product: progesterone capsule from $39/mo, estrogen tablets $54/mo, estrogen+progesterone cream $89/mo, estrogen patch $149/mo (an FDA-approved estradiol patch that Winona dispenses; the compounded items in its lineup are the creams and localized treatments). A full protocol needing more than one product costs more than any single price suggests. Covers all 50 states. Monthly subscription, cancel anytime.
See Winona's pricesOne-time $49 consult, then $100/mo for the estradiol patch (shipped and billed every 3 months); progesterone is a separate line from $23/mo, the oral estradiol pill from $39.99/mo. All physicians are Menopause Society–certified with ≥10 years experience. No labs required — prescribing is symptom-based. Covers all 50 states.
See Alloy's pricesAccepts most PPO insurance; Medicare beneficiaries are seen as self-pay only, and Medicaid isn't accepted. Initial consult $250 (billable to insurance; may be free or $0 copay with coverage). Follow-up visits ~$150. Board-certified physicians specializing in menopause. Best for insured patients.
See Midi Health's pricesShow the other 4 providers
One-time $99 consultation fee; prescriptions sent to your local pharmacy (use your own insurance for Rx). Wisp does not fill medications directly. Good for women who want a telehealth prescription but prefer their own pharmacy. Follow-up visit pricing applies.
See Wisp's pricesPersonalized estrogen cream; no lab work required for initial prescribing. Starts at $199/mo, drops to $99/mo ongoing. Covers most US states. No separate membership fee.
See Inner Balance's pricesAccepts most major insurance plans. First visit ~$129 cash-pay. Prescriptions sent to your local pharmacy. Not specialized in menopause specifically — best for women who want their HRT managed alongside broader primary care. Can accept FSA/HSA.
See PlushCare's pricesHRT-focused telehealth with physician-led care. Requires labs (included or billed separately). Pricing varies by protocol. Covers most US states. Focused specifically on perimenopause and menopause care.
See Evernow's pricesWhat to compare when choosing an online HRT provider
The prices above are only part of the picture. Before choosing, it is worth understanding four things: whether the provider accepts your insurance, whether they require lab work before prescribing, which formulations they offer (patch, pill, cream, gel), and whether their clinicians have specific menopause training or are general practitioners.
This matters because HRT is not one-size-fits-all. The right formulation depends on your symptom profile, your medical history, and sometimes your personal preference. A clinician who specializes in menopause is better positioned to tailor that than one treating it as a side order to primary care.
Winona — best price, no labs required
Winona is the most affordable option and the lowest-friction one: no consultation fee, no required blood work, and a symptom-based prescribing model. They prescribe estrogen and progesterone based on reported symptoms and medical history rather than lab values. Pricing is à la carte by product: progesterone capsules start around $39/month, estrogen tablets run about $54/month, and the estrogen+progesterone cream and estrogen patch cost more.
The trade-off is clinical depth. Because Winona does not require labs, treatment is standardized to some degree — ideal for women whose symptoms are clear-cut, less ideal for complex or atypical presentations. Their clinicians are licensed but not specifically menopause-certified.
- Pros: no consult fee; lowest entry price; no lab requirement; all 50 states
- Cons: symptom-based model limits customization; not best for complex cases
- Best for: women with classic perimenopause symptoms who want to start quickly and affordably
Alloy — best for expert care at an accessible price
Alloy stands out for its physician credentials: all doctors on the platform are board-certified and certified by The Menopause Society with at least 10 years of menopause-specific experience. The one-time $49 consultation is paid once; ongoing medication runs $100/mo for the estradiol patch, billed as $300 per quarter, plus progesterone from $23/mo as its own line — about $123/mo for the standard protocol. The oral estradiol pill, from $39.99/mo, is the cheaper format.
No labs are required or arranged before prescribing — Alloy treats based on symptoms and history, the same as Winona. Alloy also offers prescription skincare, low-dose oral minoxidil for hair, and GLP-1 prescriptions for weight management — a broader scope than most HRT-only platforms.
- Pros: Menopause Society–certified physicians; transparent pricing; comprehensive protocol offerings
- Cons: quarterly billing means a larger upfront charge; not insurance-accepting
- Best for: women who want specialist-level care with affordable pricing and no insurance complexity
Midi Health — best for insured patients
Midi Health is the only major menopause telehealth platform that accepts PPO insurance widely and some Medicare Advantage plans. The initial visit ($250) is typically billable to insurance, meaning many patients pay only their standard specialist copay or nothing at all. Follow-up visits run ~$150.
Clinicians are board-certified with menopause specialization. Midi prescribes HRT, non-hormonal treatments, and does comprehensive lab work as part of the care model. For insured women who want the convenience of telehealth without paying out of pocket, Midi is the clearest choice.
- Pros: accepts PPO insurance; board-certified specialists; comprehensive care
- Cons: initial visit fee is significant if uninsured; follow-up costs add up
- Best for: insured women with PPO coverage wanting specialist menopause care
Wisp — best for using your own pharmacy
Wisp charges a one-time $99 consultation fee and then sends the prescription to your preferred local pharmacy. This is the right model for women who want to stay with their pharmacy (perhaps because they have insurance that covers the HRT medication there), or who simply prefer not to receive medication by mail.
- Pros: prescription goes to your pharmacy; one low consult fee; use insurance for Rx fill
- Cons: does not specialize exclusively in menopause; less continuity than subscription models
- Best for: women with pharmacy-based insurance coverage for HRT medications
Inner Balance — best for cream-based HRT without labs
Inner Balance prescribes a personalized estrogen cream and requires no lab work for initial prescribing. Pricing starts at $199/mo and drops to $99/mo for ongoing care, with no separate membership fee. It covers most US states.
- Pros: no labs required to start; cream formulation; lower ongoing rate; no membership fee
- Cons: higher first-month cost; cream-focused rather than full formulation range; not available in every state
- Best for: women who prefer a personalized estrogen cream and want to start without blood work
PlushCare — best for HRT alongside primary care
PlushCare accepts most major insurance plans, with a first visit around $129 for cash-pay patients. Prescriptions are sent to your local pharmacy, and FSA/HSA payment is accepted. It is not specialized in menopause, so it suits women who want HRT managed alongside broader primary care rather than by a dedicated menopause clinic.
- Pros: accepts most major insurance; ~$129 cash first visit; uses your local pharmacy; FSA/HSA accepted
- Cons: not menopause-specialized; less tailored than dedicated HRT platforms
- Best for: women who want HRT handled as part of general primary care
Evernow — best for HRT-focused physician care
Evernow is HRT-focused telehealth with physician-led care, dedicated specifically to perimenopause and menopause. Labs are required (included or billed separately), and pricing ranges from an estimated $30–$100/mo depending on protocol. It covers most US states.
- Pros: focused specifically on menopause; physician-led care; pricing can start low
- Cons: labs required; pricing varies by protocol; not available in every state
- Best for: women who want dedicated menopause care with physician oversight and lab monitoring
Annual cost comparison
At typical ongoing rates: Winona patches = ~$876–$1,188/yr. Alloy patch + progesterone = ~$1,476/yr + $49 consult = ~$1,525 first year. Midi Health (uninsured) = ~$250 initial + $150 × 4 follow-ups = ~$850/yr for visits alone, plus medication at your pharmacy. Inner Balance = ~$1,188/yr ongoing.
Frequently asked questions
Do I need lab work to get HRT online?+–
It depends on the provider. Winona, Alloy, and Inner Balance all prescribe without requiring blood work. Midi Health and Evernow incorporate lab monitoring as part of their care model. No lab requirement lowers the barrier to starting but also means your treatment is based on reported symptoms rather than measured hormone levels — that is a real trade-off for some women.
Is online HRT as effective as seeing a doctor in person?+–
The medication itself is identical — estrogen and progesterone work the same whether prescribed via telehealth or in-person. The clinical quality depends on the clinician's training, not the channel. Menopause-certified physicians like those at Alloy and Midi deliver specialist-level care regardless of the format.
Does Medicare cover online HRT?+–
Medicare Part D typically covers HRT medications at standard copay rates. Medicare does not cover telehealth visits from platforms that are not in-network Medicare providers. Midi Health accepts some Medicare Advantage plans (which include telehealth benefits); most other platforms listed here are cash-pay only.
What formulations are available through telehealth?+–
Most platforms offer estradiol (patch, pill, gel, or cream) and micronized progesterone (Prometrium/generic). Patches and pills are the most commonly prescribed. Testosterone is available through some providers (Alloy, Midi, Winona) but is off-label for women and not FDA-approved for female use; it is a real option but requires additional discussion.
Can I switch between online HRT providers?+–
Yes. Your prescription history and labs can typically be transferred. Some providers require a new consultation if you switch, but none lock you into a long-term contract. If you start with a lower-cost symptom-based platform like Winona and want to upgrade to specialist care later (Alloy, Midi), that transition is straightforward.