HRT Online in Utah: 2026 Prices, Providers and What Select Health, Regence or Utah Medicaid Will Pay

Updated October 25, 2026. That day we read Utah's telehealth law, section 26B-4-704, and the 2023 bill that repealed the state's Online Prescribing Act. We read the nurse practitioner prescribing section, 58-31b-803, as rewritten in 2026. We also read Utah Medicaid's expansion and managed care pages, and Select Health's 2026 Utah drug list, updated September 25. Service prices come from each provider's own site, checked in October 2026.

Short on time? Pick the line that matches you, then find that provider in the table above.

• Cheapest estrogen and progesterone prescribed and shipped to you: Alloy, about $65 a month for an estradiol pill plus progesterone, billed every three months, after a one-time $49 consult.
• A fee that halves: Inner Balance, about $100 a month from the seventh month.
• A PPO plan: Midi Health, which says it's in-network with most PPO plans.
• A low-cost membership with messaging: Evernow, about $35 a month on a prepaid year, with medicine extra.
• You already have a prescriber: coupon generics, or The HRT Club.
• On Utah Medicaid: a Utah clinician who takes your Medicaid health plan, since none of these online services does.

HRT in Utah: what it costs and which online services prescribe here

Each service below charges one national rate, so Logan and St. George pay alike. The state sets the rules on how a clinician may prescribe, on testosterone and on what your coverage pays.

You can pay in one of three ways. Some services fold the clinician and the medicine into a single bill. Others charge for care alone, through a membership or your insurance, and send the prescription to a pharmacy. A generic with a coupon card is the cheapest route, once a prescriber has written it.

One service you may have heard of is missing. Winona doesn't list Utah among the states it serves.

Inner Balance: best for one cream whose price halves after six months

Inner Balance charges about $200 a month for the first six months. That covers the evaluation and Oestra, its only treatment. Oestra is a compounded cream, meaning mixed to order by a pharmacy, that holds both estradiol and progesterone. You apply it to the vaginal tissue, and it acts throughout the body.

In month seven, the fee drops to about $100. The cream ships every three months but is billed monthly. Labs are optional, and a note on its pricing page says a dose change may cost extra.

The practice behind it, Inner Balance Health PLLC, is based next door in Boise, Idaho. Its review record is small and weak, at 2.2 on Trustpilot from 38 reviews. Most complaints involve cancelling. The refund guarantee has two deadlines, which our Inner Balance review lays out.

Alloy: best for the cheapest estrogen and progesterone prescribed and shipped

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. Alloy says its consult doctors are certified by The Menopause Society, the main US medical society for menopause care.

The estradiol pill costs about $40 a month, and progesterone starts near $25. No service here that both prescribes and ships your medicine charges less for that pair. The estradiol patch costs about $100 a month.

Everything ships as a three-month supply, billed once a quarter. For the pill with progesterone, each charge comes to about $190. Code PILL25 takes 25 percent off a first order of the pill.

Care runs by message, with no video and no required labs. Alloy holds 4.3 on Trustpilot from about 4,040 reviews. Our Alloy review covers the rest, and Alloy cost prices every product.

Midi Health: best if your Utah plan is a PPO

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 still owe.

Its insurance page shows Aetna, Blue Cross Blue Shield, Cigna, Health Net and UnitedHealthcare. Regence is Utah's Blue Cross Blue Shield plan, so enter your Regence card at Midi's sign-up, which checks your plan before you book. Midi doesn't name Select Health.

Without coverage, the first visit costs $250 and each follow-up costs $150. Medicare is out of network, and Midi doesn't accept Medicaid. Visits happen by video, and labs are billed on their own.

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

Evernow: best for messaging a clinician between visits

Evernow treats only menopause and says it serves all 50 states plus DC. Membership costs $49 month to month. Three months prepaid cost $129. A year paid upfront costs $420, which works out to about $35 a month.

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

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

Its Trustpilot profile is tiny and unclaimed, at 2.0 from 15 reviews. Our Midi Health vs Evernow comparison sets the two side by side.

The HRT Club: best if a clinician already writes your prescription

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. Shipping costs $10 an order, and annual members ship free on orders of $50 or more. It suits you if a Utah clinician already prescribes for you and you pay cash.

The catches are no refunds, an annual plan you can't end early, and no Trustpilot reviews so far. Our HRT Club review lists what gets cheaper.

Generic estradiol and progesterone at a Utah pharmacy

With a prescription in hand, a generic plus a free coupon card usually costs least. The coupon row uses national prices, not a quote for a Salt Lake City, Provo or St. George ZIP code. Your pharmacy may come in a little higher or lower.

GoodRx lists a month of generic estradiol patches, eight twice-weekly patches, at about $35. Thirty capsules of micronized progesterone, the body-identical form of the hormone, run about $15 with the coupon. On SingleCare, a second free card, 30 estradiol tablets often cost under $10.

Larger fills can cost less per month. On October 25, SingleCare showed 90 progesterone capsules for about $35 at its lowest-priced pharmacies.

Online services leave this door open. Alloy's terms let you transfer your prescription to any pharmacy you choose. With insurance, compare the coupon price to your copay and pay whichever is lower.

Our HRT savings guide shows how the discount cards work. For every low-cost route side by side, see the cheapest HRT options.

What a year of HRT costs in Utah

• Inner Balance: about $1,790 in the first year, then about $1,195 a year.
• Alloy, pill and progesterone: about $805 in year one with the consult, then about $755, paid in four quarterly charges. The patch with progesterone runs about $1,525 in year one, then about $1,475.
• Evernow: about $570 for a prepaid year plus one self-pay visit, or about $740 paying monthly. Medicine is extra.
• Midi Health: your specialist copay for each in-network visit. Paying cash, a first visit and three follow-ups come to $700, before medicine.
• Your own prescriber with coupon generics: about $300 a year for tablets and progesterone. With patches, it's about $635, counting 13 four-week patch boxes. Add visit fees, plus $99 a year if you fill through The HRT Club.

Can you get HRT online legally in Utah, and does the first visit need video?

Yes. Utah's telehealth law, section 26B-4-704 of the Utah Code, lets a licensed clinician treat you online with no office visit first. No clause requires a video call or an in-person exam.

The law covers live two-way audio and video. It also covers asynchronous care, meaning health information sent for a clinician to review later.

A questionnaire alone isn't enough in Utah

Here Utah draws a firm line. A clinician may not diagnose you or prescribe based solely on an online questionnaire, an email, or a health history you fill in yourself.

Utah once had a narrow exception. Its Online Prescribing Act let licensed sites prescribe a few drugs, such as birth control and erectile dysfunction pills, from a questionnaire. House Bill 152 repealed that act in 2023, effective May 3, and dropped the exception from the telehealth law.

The same section lists what the clinician owes you. They must set up a real clinician-patient relationship and take your history before prescribing. They must be available for follow-up and know the emergency care near you.

If you have a regular doctor, the online clinician must talk with you about it. Unless you object, they send that doctor a report within two weeks.

So expect more than a form. Midi holds its visits by video, and Evernow adds video visits to its messaging. Alloy and Inner Balance start with a written health history, then a clinician follows up by secure message. If you'd rather talk face to face first, choose a video service.

Your clinician needs a Utah license

What counts is where you are during the visit. So your clinician needs a Utah license from the Division of Professional Licensing, known as DOPL, even when the company sits in another state.

Utah adopted the Interstate Medical Licensure Compact in 2015, giving doctors licensed in other member states a faster way to add a Utah license. Utah is also in the Nurse Licensure Compact, which covers registered nurses rather than nurse practitioners.

Nurse practitioners in Utah prescribe on their own

In Utah, a nurse practitioner holds a license as an advanced practice registered nurse, or APRN. Under section 58-31b-803, an APRN may prescribe medicines, including controlled drugs in Schedules II through V.

Senate Bill 36, in 2023, removed the extra steps Utah APRNs once had to meet before prescribing Schedule II drugs. Utah rewrote its nurse practice law in 2026, and the current section took effect May 6, 2026.

So a Utah APRN can evaluate you and prescribe estradiol and progesterone without a supervising doctor.

Testosterone has extra rules

Testosterone is a Schedule III drug, a federal class of controlled medicines with stricter handling. A prescriber needs a DEA registration. Utah law also requires its own controlled substance license from DOPL.

For a first prescription without an in-person exam, prescribers rely on federal telemedicine flexibilities. They run through December 31, 2026. The DEA sent a final rule on a special telemedicine registration to White House review on August 25, 2026, and its terms aren't public yet.

Utah's rule to check the state's Controlled Substance Database before prescribing applies to opioids, not to testosterone.

Midi lists a testosterone cream in its online store, from $100 per 90 days. Evernow's site doesn't list testosterone. No testosterone product is FDA-approved for women. The 2019 global consensus statement supports it only for low sexual desire after menopause.

Will Select Health, Regence, University of Utah Health Plans, Utah Medicaid or Medicare pay for hormone replacement therapy in Utah?

Coverage usually reaches the hormones themselves, but never a telehealth subscription. Visits fall in between, because Midi and Evernow bill some plans for them.

Utah's telehealth coverage law, section 31A-22-649.5, applies to individual, small group and large group plans. They must cover telemedicine services that Medicare covers. They also can't limit coverage by where you are or how far you live from a clinic.

Utah doesn't require full pay parity. Plans pay in-network clinicians a negotiated, commercially reasonable rate for these visits.

These rules don't reach every plan. Self-funded employer plans, common at large companies, follow a federal law called ERISA instead.

Alloy and Inner Balance don't bill any insurer, and no plan covers Evernow's membership. HSA and FSA cards, the tax-free health accounts many employers offer, work at all three. Our HRT insurance guide explains how to read a drug list and appeal a denial.

Select Health

Every plan publishes a formulary, its list of covered drugs sorted into price tiers. The lower the tier, the less you pay.

Select Health's 2026 RxCore four-tier list for Utah, published September 25, 2026, puts generic estradiol tablets on tier 1. That's the lowest-cost tier. Twice-weekly and weekly estradiol patches are tier 1 too.

Progesterone capsules are tier 1 with no limits. The tablets and twice-weekly patches carry a quantity limit, a cap on how much you can fill at once. None of these needs prior authorization, meaning approval from the plan before you fill.

Estradiol gel sits on tier 2, and Evamist spray on tier 3. Estradiol vaginal cream is tier 1 with a quantity limit. Testosterone gel is tier 2 and testosterone cypionate tier 1, both with quantity limits.

That list serves Select Health's Standardized and Option plans in Utah. Other plans use a five-tier list, so check yours in your member account.

Regence BlueCross BlueShield of Utah

Regence is the Blue Cross Blue Shield plan in Utah. It sets its own tiers, so Select Health's placements don't carry over.

Search your Regence drug list for estradiol and progesterone before you choose a plan. For visits, both Midi and Evernow name Blue Cross Blue Shield among the plans they bill.

University of Utah Health Plans and other insurers

University of Utah Health Plans publishes its own drug list for each plan, so look up estradiol and progesterone there. It also runs Healthy U, one of Utah's Medicaid plans.

Aetna left the individual market at the end of 2025. Molina now sells individual plans in just two southwest Utah counties.

HealthCare.gov in Utah

Utah has no state-run marketplace, so you buy an individual plan on HealthCare.gov. Six insurers sell there in 2026: Select Health, Regence, BridgeSpan, University of Utah Health Plans, Molina and Imperial Health Plan of the Southwest.

Utah Medicaid

Utah expanded Medicaid to adults 19 to 64 after federal approval in December 2019. The limit is 138 percent of the federal poverty level. The state's table puts it at $1,769 a month in gross income for one person.

In 13 counties, including Salt Lake, Utah, Davis, Weber and Washington, members must join a health plan. The four choices are Health Choice Utah, Healthy U, Molina and Select Health Community Care. In the other counties, you can pick a plan or use the state's fee-for-service network.

Since January 1, 2026, the state and its plans have shared a preferred drug list for selected drug classes. Your plan's own list covers the rest.

Utah Medicaid pays for live video visits like office visits. It doesn't pay for store-and-forward care, meaning information a clinician reviews later, or for visits by email or text.

A change is coming. From January 1, 2027, many expansion adults must show 80 hours a month of work, volunteering, school or job training. Earning at least $580 a month also counts, and reviews move to every six months.

None of the online services above takes Utah Medicaid. A Utah clinician who accepts your Medicaid plan is the realistic route.

Medicare

Most Part D drug plans list generic estradiol and progesterone. Your 2026 out-of-pocket spending on covered drugs stops at $2,100.

Midi treats Medicare as out of network, so visits cost its self-pay rate. Evernow doesn't accept Medicare.

Finding a menopause doctor or menopause specialist in Utah

The Menopause Society's practitioner directory, at portal.menopause.org, is the usual first stop. It lists members and Menopause Society Certified Practitioners, known as MSCPs. You can search by US ZIP code or find clinicians who offer telehealth in Utah.

University of Utah Health runs a Midlife Women's Health and Menopause Program. It treats hot flashes, sleep problems, brain fog, bone loss, vaginal dryness and early menopause. Its clinicians include Camille Moreno, DO, who holds the MSCP credential.

Its clinicians see patients at University of Utah Hospital and health centers in Farmington, Centerville, South Jordan and Sugar House. Its provider search also lists virtual visits.

Intermountain Health's OB-GYN clinic at Intermountain Medical Center in Murray lists menopause care among its services, including help with hot flashes and night sweats.

Distance is the hard part. Utah has 29 counties, and Kem C. Gardner Policy Institute research found 13 of them, mostly rural, with no OB-GYN. That finding was reported in September 2025.

If the nearest specialist means a long drive or a long wait, online care can be the faster start. A local visit still adds what a screen can't, such as a hands-on pelvic exam.

To size up a local clinician, see our guide to finding perimenopause care. HRT near me helps you weigh an online clinician against the closest office, and finding an HRT doctor covers what to ask.

Bioidentical hormones, compounded creams and pellets in Utah

Bioidentical describes the shape of a hormone, not how it's made. The molecule matches the estradiol or progesterone your ovaries produce. Most estradiol patches and micronized progesterone capsules the services ship meet that test, and they're FDA-approved too.

Compounded hormones are mixed by a pharmacy for one patient and never go through FDA approval. In Utah, DOPL licenses pharmacies.

A pharmacy outside Utah that mails prescriptions here needs a Utah license as a Class D, or out-of-state mail service, pharmacy. If it compounds, Utah's rules require it to follow USP chapters 795 and 797. Those are the national standards for nonsterile and sterile compounding.

Pellets are small compounded hormone implants placed under the skin every few months. Biote's provider directory has Utah city pages for Provo, St. George, Washington and Delta, among others.

We found no Utah clinic that posts its pellet prices online. Expect to pay cash, and ask for a written quote that covers the pellets, insertion and labs. Read our hormone pellets guide before you book.

At the FDA's request, the National Academies reviewed compounded bioidentical hormones in 2020. They found little evidence of safety or benefit. ACOG and The Menopause Society both prefer an FDA-approved product whenever one exists.

Approved products are getting new safety labels. On February 12, 2026, the FDA approved revised labels for a first group of six hormone products. Statements on heart disease, breast cancer and probable dementia came out of the boxed warning, a label's most prominent caution.

That first group included Prometrium, a brand of micronized progesterone, and Divigel, an estradiol gel. No estradiol patch was in it.

In the table, Alloy's hormone protocol, Midi's default treatments, Evernow's patches and vaginal cream, The HRT Club's drugs and the coupon generics are FDA-approved. Inner Balance's Oestra cream is compounded. If you want compounded hormones on purpose, compounded HRT: where to get it covers what to check.

Starting HRT in your 40s in Utah: labs, age and the questions to ask

Being told you're too young for hormones is common in your 40s. The Menopause Society's 2022 position statement says benefits outweigh risks for most healthy women with symptoms. That holds under age 60, or within ten years of menopause.

Perimenopause comes before the last period, so it falls inside that window. Hormone levels swing too much in these years for a blood test to confirm it. Most women can start without one, and Alloy prescribes without required labs.

Wondering whether to test anyway? Perimenopause labs covers what a hormone panel can tell you, and what it can't.

Before you commit, put these four questions to any Utah prescriber, on a screen or in an exam room.

• Training: Have you trained in menopause care, or earned The Menopause Society's certification?
• First choice: Do you begin with FDA-approved estradiol and micronized progesterone, and turn to compounded hormones only if those don't suit me?
• License: Do you hold a Utah license from DOPL?
• Format: Beyond my written history, how will you assess me: by message, by phone or on video?

Once you start, our HRT dosage guide walks through how the dose gets adjusted.