HRT in Colorado: 2026 Prices, Online Providers and What Health First Colorado or Your Plan Will Pay

Updated October 15, 2026. That day we read the Colorado Medical Board's telehealth policy, the state's nurse prescribing law, and Health First Colorado's income chart and drug list. We also read the 2026 Colorado drug lists from Anthem and Kaiser Permanente. Every service price comes from the provider's own listing within the past three weeks. Coupon prices are GoodRx national figures.

In a hurry? Match your situation below, then find that provider in the table above.

• Cheapest start: Winona, from about $40 a month for one product, with no consult fee.
• A fee that halves: Inner Balance, about $100 a month from month seven.
• A PPO through work: Midi Health, which bills Aetna, Cigna and UnitedHealthcare plans in Colorado.
• A low-cost membership with messaging: Evernow, about $35 a month on a prepaid year, with medicine extra.
• A Menopause Society-certified doctor: Alloy, from about $40 a month after a one-time $49 consult.
• Testosterone inside one fee: Fountain.
• Already have a prescriber: coupon generics, or The HRT Club.
• On Health First Colorado: a clinician who accepts it, since none of these online services does.

HRT in Colorado: what hormone replacement therapy costs and who serves the state

Whether you live in Denver, Colorado Springs or Grand Junction, these services charge the same price. Colorado changes the rules behind the visit: what an online evaluation must include, who may prescribe, and what Health First Colorado pays.

There are three ways to pay. Subscriptions fold the visit and the medicine into one charge. Insurance-billing and membership services charge for the care, then send your prescription to a pharmacy. Coupon generics cost the least, but only once someone has written the prescription.

Winona: best for a low first bill and no bloodwork

Colorado is on Winona's list of 37 states. You pay per product, with no consult fee and no bloodwork. Progesterone capsules alone cost about $40 a month. The estradiol patch costs the most, at about $150.

The patch, tablets and capsules are FDA-approved. The creams are compounded, meaning mixed to order, in pharmacies Winona owns. You can pay with an HSA or FSA card. Those are tax-free health accounts that many employers offer. Winona doesn't take insurance.

Winona rates 4.6 on Trustpilot from about 8,600 reviews. Complaints mostly involve automatic refills and cancelling. There's no video visit and no testosterone. Our Winona review shows how to cancel cleanly.

Inner Balance: best for a fee that halves after six months

Inner Balance costs about $200 a month for the first six months. That price covers the evaluation and Oestra, its only treatment. Oestra is one compounded cream that holds estradiol and progesterone. You apply it vaginally, and it works on the whole body. From month seven, the fee falls to about $100. Labs are optional.

Its review record is thin, at 2.2 on Trustpilot from 38 reviews. Most complaints concern cancelling, and a dose change may cost extra. The refund promise has two deadlines, explained in our Inner Balance review.

Alloy: best for Menopause Society-certified doctors

Alloy treats menopause in all 50 states and DC. You pay a one-time $49 consult, then a price for each product, with no membership. Every prescribing doctor is certified by The Menopause Society, the leading US medical group for menopause care.

The estradiol pill is its cheapest estrogen, at about $40 a month. Patches ship and bill every three months, so the charge lands once a quarter. On a first order, code PILL25 takes 25 percent off the pill, and HRT25 does the same for Evamist spray.

Care happens by message, with no video and no labs. Alloy rates 4.3 on Trustpilot from about 4,040 reviews. Our Alloy review covers the rest.

Midi Health: best if your Colorado plan is Aetna, Cigna or UnitedHealthcare

A PPO, or preferred provider organization, is a plan that lets you see specialists without a referral. Midi says it's in-network with most PPO plans. In network, you pay your specialist copay, a set fee per visit, plus any deductible you haven't met yet.

Midi's Colorado page names three carriers: Aetna PPO and HMO plans, Cigna and UnitedHealthcare. Anthem, the Blue Cross Blue Shield plan in Colorado, isn't on that list, and neither is Kaiser Permanente. If you have one of those, call member services before you book. Evernow, below, names Anthem among the plans it bills for video visits.

The Colorado clinicians Midi shows are nurse practitioners, and visits happen by video. Out of network or uninsured, the first visit costs $250 and each follow-up costs $150. Prescriptions go to your local pharmacy, and labs are billed separately.

Midi rates 4.1 on Trustpilot from about 1,700 reviews. Midi Health and insurance goes plan by plan.

Evernow: best for a low-cost membership with messaging

Evernow treats menopause only and says it serves all 50 states plus DC. The membership costs $49 month to month, $129 for three months, or $420 for a year paid upfront. The yearly plan works out to about $35 a month.

Membership covers round-the-clock messaging with a clinician, prescriptions and refills. Video visits are extra. Evernow bills them to the insurers it names nationally: Blue Cross Blue Shield, Anthem, UnitedHealthcare and Aetna. Without coverage, a visit costs $150, and medicine is billed separately.

Its estradiol patches and vaginal estradiol cream are FDA-approved. The cream is free on the 3- or 12-month plan if you qualify. A few products, such as a facial estriol cream, are compounded.

The Trustpilot profile is small and unclaimed, at 2.0 from 15 reviews, and its terms set out no general refund policy. Our Midi Health vs Evernow comparison puts the two side by side.

Fountain: best for testosterone inside one fee

Fountain publishes one state list, on its men's testosterone site, and Colorado is on it. One fee covers video visits, medicine and shipping. Testosterone is available at every tier when your clinician thinks it fits.

Billing runs every four weeks, so a year holds 13 charges. The 48-week prepay is cheapest per cycle but costs about $1,800 up front. Routine labs aren't part of the fee.

Fountain rates 4.4 on Trustpilot from about 395 reviews, a profile it shares with its men's testosterone program. Details are in our Fountain review.

The HRT Club: best if a doctor already prescribes for you

The HRT Club is not a clinic. It's a mail-order pharmacy membership with a free directory of prescribers. The basic tier costs nothing, and membership costs $12 a month or $99 a year.

Members pay $15 for 30 capsules of generic progesterone, against $135 for guests. It fits if a Colorado doctor already writes your prescription and you pay cash to fill it.

The weak spots are no refunds, an annual plan you can't end early, and no Trustpilot reviews yet. Our HRT Club review lists what gets discounted.

Generic estradiol and progesterone at a Colorado pharmacy

With a prescription in hand, a generic with a coupon card usually costs least. The coupon row shows GoodRx national prices, not a quote for a Denver or Fort Collins ZIP code. Your pharmacy may land a little higher or lower.

At those prices, 30 estradiol tablets cost about $15 and a month of patches about $35. A month of micronized progesterone, the body-identical form of the hormone, costs about $15. Without the coupon, it runs about $50.

SingleCare is a second free card that often prices the same generics differently, so it's worth checking both at the counter. If you have Anthem, Kaiser or another plan, compare the coupon price with your copay and pay the lower one. The HRT savings guide explains how the cards work.

A year of HRT in Colorado

• Winona, estrogen and progesterone cream: about $1,070 a year. The patch with a progesterone capsule comes to about $2,255.
• Inner Balance: about $1,790 in year one, then about $1,195 a year.
• Alloy, patch and progesterone: about $1,525 in year one with the consult, then about $1,475. The pill with progesterone comes to about $805 in year one.
• Evernow: about $570 for a prepaid year plus one self-pay visit, or about $740 paying monthly. Medicine is extra.
• Fountain: about $1,950 on the 48-week plan, about $2,170 on the 12-week plan, and about $2,585 paying as you go.
• Midi Health: your specialist copay per visit in network. Paying cash, a first visit and three follow-ups cost $700, with medicine extra.
• Your own prescriber and coupon generics: about $360 a year with tablets and progesterone, up to about $600 with patches, plus visit fees. The HRT Club adds $99 a year if you fill through it.

Is HRT online legal in Colorado, and who can prescribe it?

Yes. The Colorado Medical Board's telehealth policy, numbered 40-27, says a doctor can set up a patient relationship using telehealth. The doctor is held to the same standards as in an office visit.

The policy covers live video and also store-and-forward care, where your information is sent ahead for a clinician to review later. Prescribing during a telehealth visit is left to the clinician's judgment, with the same accountability as in person.

Midi Health, Evernow and Fountain use video visits. Winona and Alloy start with a written health history that a doctor reviews, then follow up by message. Each one sends an electronic prescription.

What an online evaluation must include in Colorado

A companion Board policy, 40-03, defines how that relationship starts. The doctor agrees to take you on as a patient, verifies your identity and location, and tells you who they are and what credentials they hold.

Policy 40-03 also calls for informed consent, including what telehealth can and can't do. Policy 40-27 adds that the doctor should give you an emergency plan if your situation calls for a hospital.

Then comes an evaluation. It reviews your history and looks for reasons a treatment might not be safe for you. All of that goes into a medical record you can access.

One line matters most for online care. Policy 40-27 says a prescription based solely on an online questionnaire doesn't meet an acceptable standard of care.

A Utah, Wyoming, Kansas or New Mexico doctor treating you in Colorado

The Medical Board's policy says medicine happens where the patient is during the visit. So a clinician must be licensed to treat you while you're in Colorado, even by video.

Colorado opened a second route on January 1, 2026. Under a 2024 law, a clinician licensed in another state can get a Colorado telehealth registration instead of a full license. That clinician can't have had any discipline in the past five years.

A registered clinician must tell you where they're located and that they have no office in Colorado. They can prescribe estradiol and progesterone. They can't prescribe controlled substances, which rules out testosterone.

Doctors who want a full Colorado license may have a faster path. A 2016 law made Colorado part of the Interstate Medical Licensure Compact, which speeds licensing for doctors in member states. Your Cheyenne or Salt Lake City doctor can tell you which route they use.

Nurse practitioners can prescribe on their own

In Colorado, nurse practitioners are licensed as advanced practice registered nurses, or APRNs. The Board of Nursing can grant them authority to prescribe, including controlled substances, within their specialty.

A new APRN starts with provisional authority. To keep it, they complete 750 hours in a prescribing mentorship with an experienced physician or APRN who practices in Colorado. They have three years to finish.

After that, the law asks for no ongoing physician agreement. So an online visit with a Colorado APRN, like the clinicians Midi lists here, needs no physician sign-off. Estradiol and progesterone sit well within their authority.

Testosterone follows tighter rules

Testosterone is a Schedule III drug, a federal class of controlled medicines with extra prescribing rules. Prescribing it by telemedicine with no prior in-person exam relies on temporary federal rules that run through December 31, 2026.

Colorado's prescription drug monitoring program, run by the Board of Pharmacy, tracks every Schedule II to V prescription a pharmacy fills. That includes testosterone. Out-of-state clinicians on a telehealth registration can't prescribe it at all.

No testosterone product is FDA-approved for women. The evidence supports it mainly for low sexual desire after menopause. Fountain offers it when appropriate, Winona doesn't offer it, and Evernow doesn't list it on its site.

Will Health First Colorado, your health plan or Medicare pay for HRT?

For the medicine, usually yes. For a telehealth membership, no plan pays. Midi and Evernow are the exceptions for visits, because they bill some plans.

Colorado law says state-regulated health plans can't require an in-person visit for care that works by telehealth. Your copay or deductible for a telehealth visit can't be higher than for the same visit in person. Self-funded employer plans, common at large companies, follow a federal law called ERISA instead.

In 2026, a bill to require Colorado plans and Medicaid to cover hormone therapy for menopause and perimenopause, HB26-1122, died in a House committee. So coverage still depends on each plan's drug list.

Anthem, Kaiser Permanente and other Colorado plans

Individual plans are sold on Connect for Health Colorado, the state marketplace. Every plan publishes a formulary, its list of covered drugs sorted into price tiers. Lower tiers cost you less.

Anthem's 2026 Select drug list for Colorado individual plans, effective October 1, 2026, puts generic estradiol tablets on tier 2. Weekly and twice-weekly estradiol patches sit on tier 2 as well, with a quantity limit.

Generic progesterone capsules are tier 2 too. Brand combination pills cost more, with Prempro, Premphase and Bijuva on tier 4.

Kaiser Permanente Colorado's marketplace drug list, revised December 16, 2025, puts generic estradiol tablets and weekly and twice-weekly patches on tier 2. Micronized progesterone capsules are on the list too.

Colorado Option plans are standardized plans the state requires insurers to sell. They offer $0 primary care visits, so a family doctor who prescribes HRT can be the cheapest door in. Employer plans use their own lists. Our HRT insurance guide explains how to read a formulary and appeal a denial.

Health First Colorado

Health First Colorado is the state's Medicaid program. Colorado expanded Medicaid under the Affordable Care Act starting January 1, 2014. That opened coverage to adults aged 19 to 64 with lower incomes, with or without children.

For 2026, the program's own chart puts the limit for one adult at about $1,769 a month. For a household of two, it's about $2,399. You may still qualify if you earn a bit more, so applying is the surest way to find out.

A work requirement is coming. It starts with applications filed on or after January 1, 2027, and with renewals due from January 2027. It applies to many adults aged 19 to 64 in the expansion group.

You meet it in a month by working, volunteering, studying or joining a work program for 80 hours, or by earning at least $580. Many people are exempt, including caregivers of a person with a disability, people with serious medical conditions, and anyone pregnant or pregnant within the past year.

For HRT itself, the drug list is good news. On Health First Colorado's preferred drug list for October 2026, generic estradiol tablets and generic weekly and twice-weekly patches need no prior authorization, meaning advance approval. Progesterone isn't a class on that list. Since July 1, 2023, members pay no pharmacy copay.

Testosterone is a different story. The list approves it only for male hypogonadism, so it isn't a route for menopause care.

None of the online services on this page takes Health First Colorado. You'll need a clinician who accepts it, and the program's Find a Doctor tool lists them.

Medicare

Part D drug plans usually cover generic estradiol and progesterone. In 2026, your out-of-pocket costs for covered drugs are capped at $2,100.

Midi treats Medicare as out of network, so you'd pay its self-pay rate for the visit. Evernow doesn't take Medicare either.

Bioidentical hormones and pellets in Colorado

Search for bioidentical hormones in Colorado and many results lead to cash-pay clinics selling creams or pellets. Bioidentical means a hormone shaped exactly like the one your body makes. It doesn't mean compounded.

The estradiol patch and micronized progesterone most services ship are bioidentical and FDA-approved. Compounded hormones are mixed by a pharmacy for one patient and never go through FDA approval.

Colorado sets two pharmacy rules worth knowing. First, any pharmacy outside Colorado that ships medicine into the state must register with the Colorado State Board of Pharmacy. That covers the mail-order pharmacies behind national telehealth brands.

Second, the Board's compounding rule exists to make sure compounded preparations have acceptable strength, quality and purity. It also limits how much a pharmacy can make ahead of time.

Pellets are small compounded implants placed under the skin every few months. Biote's directory lists certified pellet providers in more than 50 Colorado towns, from Denver to Durango and Grand Junction. Pellets aren't FDA-approved, so expect to pay cash. Ask for a written quote covering the pellets, insertion and labs, and see our hormone pellets guide before you book.

The FDA asked the National Academies to review compounded bioidentical hormones. Their 2020 report found no strong evidence that they're safe or effective. ACOG and The Menopause Society both favor FDA-approved hormone therapy whenever an approved product exists.

FDA-approved products also carry updated safety labels. In February 2026, the FDA approved the first labels that drop the heart disease, breast cancer and probable dementia statements from the boxed warning, a label's most prominent caution.

On this page, Alloy's core protocol, the default treatments at Midi and Fountain, Evernow's patches and vaginal cream, and the coupon generics are FDA-approved. Winona offers both kinds, and Inner Balance's Oestra cream is compounded. If you want compounded hormones on purpose, compounded HRT: where to get it covers what to check.

Finding a menopause doctor or menopause specialist in Colorado

Start with The Menopause Society's online Find a Menopause Practitioner directory. It lists Society members and Menopause Society Certified Practitioners, often shortened to MSCP, and you can search it by location.

On the Anschutz Medical Campus in Aurora, CU Anschutz runs a dedicated Menopause Clinic. It treats perimenopause and menopause with hormone and non-hormone options.

Outside the Front Range, access thins fast. March of Dimes counted 37.5 percent of Colorado counties as maternity care deserts, with no obstetric hospital and no obstetric clinicians. Many sit in the mountains, on the Western Slope and on the Eastern Plains.

No obstetric care nearby usually means no local gynecologist for menopause questions either. That's the gap online care fills best, since every service on this page works by video or message.

A local visit adds a physical exam, which no online service on this page offers. Our guide to finding perimenopause care explains how to vet a local clinician. HRT near me covers when an online clinician beats the nearest office.

Starting HRT in Colorado: timing, labs and the questions to ask

Plenty of women in their 40s hear they're too young for hormones. The Menopause Society's 2022 position statement finds benefits outweigh risks for most healthy women with symptoms. That applies under 60, or within ten years of menopause.

Perimenopause comes before that final period, so it falls inside the window. You usually don't need blood tests to start, because hormone levels swing too much to confirm it. Winona, Alloy and Fountain prescribe without routine hormone tests. Perimenopause labs explains what a panel can and can't show.

Before you commit, put these four questions to any Colorado prescriber, online or in an office.

• Training: Are you Menopause Society certified, or trained in menopause care?
• First choice: Do you start with FDA-approved estradiol and micronized progesterone before anything compounded?
• License: Do you hold a Colorado license, or a Colorado telehealth registration if you practice from another state?
• Evaluation: Will a clinician review my history directly, rather than a questionnaire alone?

How your dose gets settled after you start is covered in our HRT dosage guide.