Does Midi Health Take Insurance? What's Actually Covered
Yes, for most PPO plans: Midi bills your insurance directly for menopause visits. Medicare, Medicaid and most HMO plans are another story, and its compounded GLP-1 medicine is self-pay for everyone.
Medically reviewed by Jill Garnier, MDA menopause-specialist telehealth service that bills insurance. Midi is in-network with most PPO plans, so a specialist visit often costs just your copay. It also sells compounded GLP-1s for midlife weight, including a dual-action GLP-1/GIP option dosed like tirzepatide, though not sold under that name.
What you will actually pay
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PPO-insured women; Midi is in-network with most PPO plans
Get startedUninsured, out-of-network, or Medicare patients
Get startedSingle-mechanism GLP-1 weight management integrated with midlife hormonal care
Get startedWomen who want the dual-mechanism option; not sold under the tirzepatide name but tracks the same dosing tiers
Get startedEstimated all-in cost: HRT: about $700 a year self-pay for a first visit and 3 follow-ups, or your copays if in-network · Medicine extra · GLP-1 medicine, first year on label dose steps: about $3,300–$4,150 single-action, about $3,650–$5,100 dual-action · Visits extra
- ✓ In-network with most PPO plans, so an HRT visit usually costs your specialist copay
- ✓ HSA and FSA cards accepted for visits and services
- ✓ Clinicians are trained specifically in perimenopause and menopause care
- ✓ Addresses both hormonal and metabolic midlife health in one platform
- ✓ Compounded GLP-1s from about $165 every four weeks, or about $210 for the dual-action GLP-1/GIP, with shipping included and no membership
- ✓ Evidence-based HRT prescribing approach rather than symptom minimization
- ✓ Accessible for women who have felt dismissed by primary care providers
- ⚑ Washington, DC isn't named among Midi's service areas, even though it advertises all 50 states
- ⚑ Labs and prescriptions are billed separately from visits
- ⚑ Out-of-network and uninsured patients pay $250 for the first visit and $150 per follow-up; Medicaid and Medi-Cal patients cannot be seen
- ⚑ Compounded GLP-1 medicine is self-pay only, and visits are billed on top of the GLP-1 price
- ⚑ Compounded GLP-1s are not FDA-approved, and the FDA does not review them for safety or quality before sale
- ⚑ No brand-name GLP-1 at a set price: the dual-action option is compounded, and brand-name GLP-1s go to your own pharmacy at your plan's price
Does Midi Health accept insurance?
Yes, for its hormone therapy and menopause care. That sets Midi apart from most menopause telehealth brands, which charge one cash price whatever coverage you have. Midi bills your plan directly, so you don't file claims yourself.
In network, you usually pay your normal specialist copay, plus any deductible left on your plan. A copay is the fixed amount you pay per visit. A deductible is what you pay yourself before the plan starts paying.
Accepting insurance doesn't mean every plan in every state. Coverage depends on your carrier, whether your plan is a PPO, and sometimes your employer's version of that plan.
Which insurers does Midi Health work with?
Midi's pricing page names five carriers: Blue Cross Blue Shield, Health Net, UnitedHealthcare, Cigna and Aetna. It says Midi is in-network with most PPO plans. A PPO is a plan that lets you see specialists without a referral.
- Blue Cross Blue Shield: PPO plans, which vary by regional or employer plan
- Aetna: PPO plans
- Cigna: PPO plans
- UnitedHealthcare: PPO plans
- Health Net: PPO plans
PPO is the key word. HMO and EPO plans, which keep you inside a set network, are usually out of network at Midi. Midi's Florida and Texas pages do list Aetna HMO plans, so the rule isn't absolute. The same carrier can also be in network on one plan and out on another. That's why Midi's checker asks for your state and your plan, not just the carrier.
Does Tricare cover a Midi Health visit?
Tricare isn't among the carriers Midi names, and its site never mentions Tricare. So Midi doesn't present itself as a Tricare provider. Before you book, enter your plan in Midi's coverage checker. A surprise $250 self-pay bill costs far more than a two-minute check.
Does Midi Health take Medicaid or Medicare?
No to both, but they work differently. Medicare is out of network. People on Medicare are welcome as self-pay patients, but no claims can be filed for Midi visits, medicines or related services.
Medicaid and Medi-Cal are a firmer no. Midi says it can't accept Medicaid or Medi-Cal patients at this time.
How to confirm your plan is covered before your first visit
Take this step seriously. Billing mix-ups are the most common complaint theme in Midi's BBB and Trustpilot record: told a visit was in network, then billed as self-pay. The pattern is covered in Is Midi Health legit? It isn't a reason to distrust the whole company. It's a reason to spend five minutes checking first.
- Use Midi's checker first: enter your state and carrier on its pricing and insurance page to see whether your plan shows as in network.
- Read the screen at sign-up: Midi asks for a photo of your insurance card and flags in-network or out-of-network status. Read it before you continue.
- Call your insurer: use the number on your card. Ask whether a virtual specialist visit with Midi Health, by name, is covered. A general yes on telehealth isn't the same thing.
- Don't just pay a bill you think is wrong: some patients in Midi's complaint record got a self-pay bill fixed after their insurer confirmed in-network status.
What does Midi Health cost without insurance?
If your plan isn't covered, Midi charges per visit, with no membership. The first visit is $250. Each follow-up is $150. Labs and prescriptions are billed separately. The full breakdown, with yearly math and competitors, is in Midi Health cost.
Is Midi's GLP-1 program covered by insurance?
Not the medicine. Midi's compounded GLP-1s are self-pay for every patient, insured or not. One is dosed like semaglutide, and a dual-action GLP-1 and GIP option is dosed like tirzepatide. Compounded means mixed by a pharmacy, without FDA approval. The visits that manage the program can still go through your plan if you qualify.
Midi also prescribes brand-name GLP-1s, sent to the pharmacy you choose. Those go through your normal pharmacy benefit. Whether your plan covers them, and what you pay, depends on your plan's drug list, not on Midi.
Can you use an FSA or HSA at Midi Health?
Yes. Midi's pricing page says your HSA or FSA can pay for Midi visits and services. These are tax-free health accounts that many employers offer. Alloy, by contrast, doesn't bill insurance at all.
If your account card is declined for some reason, ask Midi for an itemized receipt. You can then claim the cost from your account yourself.
Frequently asked questions
Does Midi Health accept insurance?+–
Yes. Midi is in-network with most PPO plans, and names carriers such as Aetna, Blue Cross Blue Shield, Cigna and UnitedHealthcare. In-network, you usually pay your specialist copay plus any deductible left on your plan. Medicare is out of network, and Midi can't accept Medicaid or Medi-Cal patients right now.
What does Midi Health cost without insurance?+–
Self-pay visits cost $250 for the first one and $150 for each follow-up. There is no membership fee. Compounded GLP-1s cost extra, from about $165 every four weeks, or about $210 for the dual-action GLP-1/GIP option.
What menopause treatments does Midi Health offer?+–
Midi focuses on hormone therapy for perimenopause and menopause. It uses FDA-approved hormones by default, as pills, patches, rings or creams. Its clinicians can also prescribe non-hormonal treatments. A separate weight program offers compounded GLP-1s.
Does Midi Health include lab work?+–
No. Midi's clinicians can order labs when needed, but labs are billed separately from your visit. Your insurance may cover some or all of the cost.
Is Midi Health available in my state?+–
Yes, in all 50 states. Midi offers virtual visits and prescriptions nationwide. Washington, DC isn't named on its site, so DC residents should check at sign-up.
How does Midi's GLP-1 program work for menopause?+–
Midi offers two compounded options. The single-action GLP-1 starts at about $165 every four weeks. The dual-action GLP-1/GIP starts at about $210. Menopause-trained clinicians manage it alongside hormone care. The medicine is self-pay, and visits are billed separately.
Are Midi Health providers menopause specialists?+–
Midi trains its clinicians specifically in perimenopause and menopause care. The team includes physicians and nurse practitioners. That focus sets it apart from general telehealth services, where menopause is a side offering.
Is there a Midi Health coupon code?+–
Not for visits or the GLP-1 program. The codes you see online are for Midi's supplement store, which gives 10% off when you join its email list. With a PPO plan, your insurance is the bigger discount. Our Midi Health coupon page explains every way to pay less.