The Best Online HRT and Menopause Care of 2026

5 menopause telehealth providers compared on what you pay to start, whether insurance applies, where your medication is billed, and FDA-approved vs compounded options. Every price is from the provider's own pages, checked Oct 7, 2026. We did not use these services ourselves.

By Kymata Health Editorial Team · Published Oct 7, 2026 · Prices checked Oct 7, 2026 · How we rank

Choose your path

I want to use insurance:Midi Health· in-network with most major plans; all 50 statesCheck Midi Health's plans on its site →
A primary-care doctor who can also handle simple HRT:PlushCare· in-network with most major plans; medication at your pharmacyCheck PlushCare's plans on its site →
Compounded bioidentical creams or pills:Winona· from $54 every 28 days; no lab visit requiredCheck Winona's plans on its site →
I also want testosterone:Hone Health· lists testosterone injection or cream for women; $155/mo membership plus medicationCheck Hone Health's plans on its site →
Highest score overall:Hone Health· 8.5/10 on our rubricCheck Hone Health's plans on its site →

Cost calculator: first charge, 90 days and a year

Care-only services exclude medication, which you pay at your pharmacy (often with insurance), so compare like with like.

Providers

Hone HealthWinonaMidi HealthPlushCare

I already have recent labs (drops lab fees only where the provider accepts outside labs)

Provider	Plan	Monthly	First charge	First 90 days	12-month	Minimum term	Not included / assumptions	Checked
PlushCare	Membership + first visit (no insurance)Care fee only; medication paid separately	$19.99	$129	$168.98	$348.89	not published	Follow-up visits (frequency not published) Medication and labs	Prices checked Oct 7, 2026 · source
Winona	Estrogen tablets (billed every 28 days)	$58.66	$54	$216	$703.93	4 weeks	Price is 'from'; dose can change it	Prices checked Oct 7, 2026 · source
Winona	Estrogen tablets + progesterone capsules (every 28 days)	$101.03	$93	$372	$1,212.32	4 weeks	Prices are 'from'; dose can change them	Prices checked Oct 7, 2026 · source
Hone Health	Premium membership + estradiol patch or gelIncludes: Consults and labs every 3 months (Premium)	$213	$278	$704	$2,621	1 month	-	Prices checked Oct 7, 2026 · source
Hone Health	Premium + estradiol patch/gel + progesteroneIncludes: Consults and labs every 3 months (Premium)	$262	$327	$851	$3,209	1 month	-	Prices checked Oct 7, 2026 · source
Midi Health	Self-pay visitsCare fee only; medication paid separately	not published	$250	not published	not published	not published	Returning visits $150 each (how often is not published) Prescriptions and labs (billed separately)	Prices checked Oct 7, 2026 · source

First charge = one-time fees plus the first billing block. First 90 days = cash paid on the provider's billing calendar. 12-month = one-time fees + 12 months of the plan price + scheduled extras (like follow-up labs). "not published" means the provider's own pages don't say; we never fill the gap with a guess. Full math: methodology.

Comparison table

Provider	Best for	Score	Plan priced	Monthly	First charge	12-month	Labs	The catch	Checked	Next step
Hone Health	Lab-heavy care with testosterone for women on the menu	8.5/10	Premium membership + estradiol patch or gel	$213	$278	$2,621	$65 initial test, 50+ biomarkers, at 2,000+ Quest locations, or a free at-home draw where available. Premium retests every 3 months.	Treatment needs the $155/mo Premium membership on top of medication.	Prices checked Oct 7, 2026 · source	Check Hone Health's plans and pricing on its site →
Winona	Compounded bioidentical creams and pills without a lab visit	8.2/10	Estrogen tablets (billed every 28 days)	$58.66	$54	$703.93	Not required. Prescribed on symptoms.	Compounded hormones (not FDA-approved), ages 35 to 59 only.	Prices checked Oct 7, 2026 · source	Check Winona's plans and pricing on its site →
PlushCare	A primary-care doctor who can handle simple HRT	6.7/10	Membership + first visit (no insurance)	$19.99	$129	$348.89	Discounted lab tests for members.	Primary care, not menopause-specialized.	Prices checked Oct 7, 2026 · source	Check PlushCare's plans and pricing on its site →
Midi Health	Using insurance for menopause-specialist visits	6.0/10	Self-pay visits	not published	$250	not published	Targeted labs when recommended, billed separately (insurance may cover).	Self-pay visits are $250 first and $150 after, with medication extra.	Prices checked Oct 7, 2026 · source	Check Midi Health's plans and pricing on its site →
Hers	A simple big-brand route to estradiol and progesterone	2.4/10	no complete price published	not published	not published	not published	Not mentioned for menopause.	No public price; it appears only inside the intake.	Prices checked Oct 7, 2026 · source	Check Hers's plans and pricing on its site →

Insurance, medication billing and FDA status

Provider	Insurance / HSA	Medication billed	FDA-approved or compounded	Testosterone for women	Labs	States	Checked
Hone Health	Does not accept insurance. FSA/HSA may apply.	Through Hone, on top of membership	Not stated	Yes (injection, cream)	$65 initial test, 50+ biomarkers, at 2,000+ Quest locations, or a free at-home draw where available. Premium retests every 3 months.	Not listed. Terms say services 'may not be available in your state'.	Prices checked Oct 7, 2026 · source
Winona	No insurance. HSA/FSA accepted.	Included in Winona’s price	Compounded bioidentical	No	Not required. Prescribed on symptoms.	AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KY, ME, MD, MA, MI, MN, MO, MT, NE, NV, NH, NJ, NY, NC, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WY + Puerto Rico. Ages 35–59 for HRT.	Prices checked Oct 7, 2026 · source
PlushCare	In-network with most major plans.	Your pharmacy	Not stated	Not stated	Discounted lab tests for members.	Not stated on the pages read.	Prices checked Oct 7, 2026 · source
Midi Health	In-network with most major insurance (mostly PPO). HSA/FSA OK. Medicare is out-of-network (self-pay allowed).	Your pharmacy (insurance can apply)	Not stated	Not stated	Targeted labs when recommended, billed separately (insurance may cover).	All 50 states.	Prices checked Oct 7, 2026 · source
Hers	Insurance not required. Hims & Hers does not take FSA/HSA.	Through Hers (price shown only in intake)	Not stated	Not offered on the pages read	Not mentioned for menopause.	'Not available in all 50 states.'	Prices checked Oct 7, 2026 · source

Every priced plan

Provider	Plan	Monthly	First charge	First 90 days	12-month	Minimum term	The catch / not included	Checked	Next step
PlushCare	Membership + first visit (no insurance)Care fee only; medication paid separately	$19.99	$129	$168.98	$348.89	not published	Primary care, not menopause-specialized. Follow-up visits (frequency not published) Medication and labs	Prices checked Oct 7, 2026 · source	Check PlushCare's plans and pricing on its site →
Winona	Estrogen tablets (billed every 28 days)	$58.66	$54	$216	$703.93	4 weeks	Compounded hormones (not FDA-approved), ages 35 to 59 only. Price is 'from'; dose can change it	Prices checked Oct 7, 2026 · source	Check Winona's plans and pricing on its site →
Winona	Estrogen tablets + progesterone capsules (every 28 days)	$101.03	$93	$372	$1,212.32	4 weeks	Compounded hormones (not FDA-approved), ages 35 to 59 only. Prices are 'from'; dose can change them	Prices checked Oct 7, 2026 · source	Check Winona's plans and pricing on its site →
Hone Health	Premium membership + estradiol patch or gel	$213	$278	$704	$2,621	1 month	Treatment needs the $155/mo Premium membership on top of medication.	Prices checked Oct 7, 2026 · source	Check Hone Health's plans and pricing on its site →
Hone Health	Premium + estradiol patch/gel + progesterone	$262	$327	$851	$3,209	1 month	Treatment needs the $155/mo Premium membership on top of medication.	Prices checked Oct 7, 2026 · source	Check Hone Health's plans and pricing on its site →
Midi Health	Self-pay visitsCare fee only; medication paid separately	not published	$250	not published	not published	not published	Self-pay visits are $250 first and $150 after, with medication extra. Returning visits $150 each (how often is not published) Prescriptions and labs (billed separately)	Prices checked Oct 7, 2026 · source	Check Midi Health's plans and pricing on its site →

Hers publishes no menopause price outside its intake, so it has no row here.

Provider by provider

Best for lab-heavy care with testosterone for women on the menu: Hone Health

Our score 8.5/10 (rubric)

Cost transparency and value (25%): 10.0
Clinical process and monitoring (25%): 10.0
Disclosure (15%): 6.7
Access (15%): 6.7
Patient sentiment (10%): 9.6
Support and cancellation (10%): 5.0

Monthly

$213

First charge

$278

12-month

$2,621

Minimum term

1 month

Plan priced: Premium membership + estradiol patch or gel. Prices checked Oct 7, 2026 · source

What they offer: TRT injections; Testosterone cream; Testosterone troches; Enclomiphene; Clomiphene; Anastrozole; Menopause HRT: estradiol patch/gel, bi-est cream, progesterone (oral and cream), vaginal estradiol/estriol; Testosterone for women (injection, cream); Weight-loss medications; Lab testing (50+ biomarkers).

How care works: $65 initial test, 50+ biomarkers, at 2,000+ Quest locations, or a free at-home draw where available. Premium retests every 3 months. Prescribers: Physicians through Broad Health, an independent physician-owned medical group. Does not accept insurance. FSA/HSA may apply.

The catch: Treatment needs the $155/mo Premium membership on top of medication.

Pros

Low-cost $65 entry test with physician consult
Broad hormone menu for men and women
Trustpilot 4.8 (12,371 reviews)

Cons

Treatment needs the $155/mo Premium membership on top of medication
Recent Trustpilot reviews mention membership costs as a surprise

Check Hone Health's plans and pricing on its site →Read our full Hone Health review →

Best for compounded bioidentical creams and pills without a lab visit: Winona

Our score 8.2/10 (rubric)

Cost transparency and value (25%): 10.0
Clinical process and monitoring (25%): 5.0
Disclosure (15%): 10.0
Access (15%): 6.7
Patient sentiment (10%): 9.2
Support and cancellation (10%): 10.0

Monthly

$58.66

First charge

$54

12-month

$703.93

Minimum term

4 weeks

Plan priced: Estrogen tablets (billed every 28 days). Prices checked Oct 7, 2026 · source

What they offer: Compounded bioidentical HRT: estrogen body cream, patch, tablets, vaginal cream; progesterone capsules and cream; DHEA; Non-hormonal: sildenafil arousal cream, minoxidil serum, estriol face cream.

How care works: Not required. Prescribed on symptoms. Prescribers: 30+ board-certified physicians. No insurance. HSA/FSA accepted.

The catch: Compounded hormones (not FDA-approved), ages 35 to 59 only.

Pros

No labs needed
Owns its compounding pharmacies
Trustpilot 4.6 (8,666 reviews)

Cons

Compounded hormones (not FDA-approved)
No testosterone or GLP-1
Age 35–59 only

Check Winona's plans and pricing on its site →Read our full Winona review →

Best for a primary-care doctor who can handle simple HRT: PlushCare

Our score 6.7/10 (rubric)

Cost transparency and value (25%): 5.0
Clinical process and monitoring (25%): 5.0
Disclosure (15%): 10.0
Access (15%): 6.7
Patient sentiment (10%): 7.0
Support and cancellation (10%): 10.0

Monthly

$19.99

First charge

$129

12-month

$348.89

Minimum term

not published

Plan priced: Membership + first visit (no insurance). Prices checked Oct 7, 2026 · source

What they offer: Primary-care telehealth; doctors can prescribe estrogen/progesterone for menopause at their discretion; Labs at a discount.

How care works: Discounted lab tests for members. Prescribers: Board-certified primary-care physicians (may refer complex menopause cases to a specialist). In-network with most major plans.

The catch: Primary care, not menopause-specialized.

Pros

Takes insurance
General primary care too

Cons

Not menopause-specialized
Trustpilot 3.5 (2,784 reviews)

Check PlushCare's plans and pricing on its site →Read our full PlushCare review →

Best for using insurance for menopause-specialist visits: Midi Health

Our score 6.0/10 (rubric)

Cost transparency and value (25%): 5.0
Clinical process and monitoring (25%): 5.0
Disclosure (15%): 6.7
Access (15%): 10.0
Patient sentiment (10%): 5.0
Support and cancellation (10%): 5.0

Monthly

not published

First charge

$250

12-month

not published

Minimum term

not published

Plan priced: Self-pay visits. Prices checked Oct 7, 2026 · source

What they offer: Menopause/perimenopause care: estradiol, progesterone, estradiol cream, non-hormonal options; GLP-1s; Metabolic, thyroid and B12 labs.

How care works: Targeted labs when recommended, billed separately (insurance may cover). Prescribers: Board-certified clinicians trained in women's health (NPs, MDs, NAMS-certified). In-network with most major insurance (mostly PPO). HSA/FSA OK. Medicare is out-of-network (self-pay allowed).

The catch: Self-pay visits are $250 first and $150 after, with medication extra.

Pros

Takes insurance
All 50 states
Menopause-trained clinicians

Cons

Self-pay visits are expensive ($250 first)
Trustpilot 4.1 (~2K reviews, seen in Trustpilot related box)

Check Midi Health's plans and pricing on its site →Read our full Midi Health review →

Best for a simple big-brand route to estradiol and progesterone: Hers

Our score 2.4/10 (rubric)

Cost transparency and value (25%): 0.0
Clinical process and monitoring (25%): 5.0
Disclosure (15%): 0.0
Access (15%): 3.3
Patient sentiment (10%): 6.6
Support and cancellation (10%): 0.0

Monthly

not published

First charge

not published

12-month

not published

Minimum term

not published

What they offer: Menopause/perimenopause HRT: estradiol pill or patch, progesterone pill, estradiol vaginal cream.

How care works: Not mentioned for menopause. Prescribers: Licensed providers trained in women's health. Medical expert: Dr. Jessica Shepherd, board-certified OB/GYN. Insurance not required. Hims & Hers does not take FSA/HSA.

The catch: No public price; it appears only inside the intake.

Pros

Big brand, LegitScript-certified
Unlimited provider messaging

Cons

No public pricing
Trustpilot 3.3 (10,546 reviews)

Check Hers's plans and pricing on its site →Read our full Hers review →

Also on the market: Nuform Health, a physician-owned telehealth clinic in Troy, Michigan, offers lab-based women's hormone care (estrogen, progesterone, testosterone) with a $170 physician fee and a $195 female lab panel; it does not publish women's hormone medication prices (checked Oct 7, 2026). It is not ranked here.

How we rank menopause telehealth

The clinical gate (pass/fail) asks for a licensed prescriber and a clinician evaluation before HRT is prescribed. Providers that pass are scored on the same public checklist as our men's list: cost transparency (25%), clinical process (25%), disclosure (15%), access (15%), patient sentiment (10%) and support and cancellation (10%). Payment never changes a score. Full methodology →

What changed for HRT in 2025–2026

On November 10, 2025, FDA began removing the boxed-warning language about cardiovascular disease, breast cancer and probable dementia from menopausal hormone therapy labels, and on February 12, 2026 it approved the first six updated labels. The boxed warning about endometrial cancer stays on systemic estrogen-alone products. These are label changes; whether HRT suits you is still a decision to make with a licensed clinician.

Who shouldn't start HRT online

Hormone therapy labels and The Menopause Society's position statement describe situations that usually rule out or complicate systemic HRT, such as a history of breast or endometrial cancer, blood clots or stroke, active liver disease, or unexplained vaginal bleeding. A good online intake asks about each of these. If yours doesn't, or you have a complex history, an in-person menopause specialist may be the better start.

FAQ

What is the cheapest way to get HRT online?

Midi and PlushCare bill many insurance plans, which can lower what you pay out of pocket; medication is paid at your pharmacy, where insurance or a generic discount can apply. On cash prices checked Oct 7, 2026, Winona's compounded estrogen starts at $54 every 28 days with medication included. Progesterone, if you need it, can add to either.

Can I use insurance for online menopause care?

Midi and PlushCare bill visits to many insurance plans, and your plan can also apply to medication at the pharmacy. Winona and Hone are cash-pay and accept HSA/FSA.

Do I need blood tests before starting HRT online?

Often not. Winona says no labs are needed to start, in line with The Menopause Society’s guidance that diagnosis is usually based on age and symptoms. Midi orders targeted labs when recommended; Hone requires a lab panel first.

What is the difference between FDA-approved and compounded HRT?

FDA-approved estradiol and progesterone come as pills, patches, gels, sprays and vaginal forms. Compounded "bioidentical" hormones are not FDA-approved. In November 2025 FDA began removing most boxed-warning language from menopausal hormone therapy labels; the endometrial-cancer warning stays on systemic estrogen-alone products.

Can women get testosterone online?

Hone lists testosterone injection and cream for women. No testosterone product is FDA-approved for women in the US, so it is prescribed off-label; ask a licensed clinician whether it fits your situation.

Why do some plans add progesterone?

Systemic estrogen-alone products keep an FDA boxed warning about endometrial cancer, so people with a uterus are usually prescribed a progestogen as well. Winona, Hone and Midi offer progesterone; check that the price you compare includes it if you need it.

Can I cancel?

Midi bills per visit, with no subscription. Winona lets you pause (up to 90 days) or cancel any time; PlushCare membership can be cancelled any time; Hone is month to month.

Head-to-head and related guides

Midi Health vs Winona →How to get HRT online →Telehealth cost calculator →How we rank →Peptides and menopause: what the research covers →

Sources

Provider facts come from each provider's own pages, read Oct 7, 2026. Regulatory lines link to the primary source.