How Much Does HRT Cost without Insurance | An Expert Guide

How much does HRT cost without insurance? The average monthly expense of hormonal therapy treatment for uninsured people is between $10 and $85, dependent on the medicine.

Hormone replacement therapy costs about $30 per month, and visits to the therapist can cost more than $100 per visit. Surgery is less common but typically costs between $5,000 and $30,000, depending on the type of procedure.

Numerous hidden costs associated with therapy are not included in the treatment price. It would help if you inquired about several aspects to ensure you get the best value for your money.

What complicates matters is that insurance companies are reluctant to disclose rates or even cover a particular medication before receiving the prescription. Insurance co-pays, doctor visits, and blood work can vary depending on the type of hormone replacement therapy you receive.

Typical HRT Costs

How Much Does HRT Cost without Insurance

The typical monthly cost of hormone replacement therapy for uninsured patients ranges from approximately $10 to $85, depending on the medication used.

Label estrogen and progestin pills or patching, such as Prempro or CombiPatch, are more costly than cheap estrogen or progestin capsules. Some bioidentical estrogen vaginal lotions may be pricey, such as Estrace Lotion.

Even if most insurance policies support hormone replacement therapy, others do not since hormonal loss is considered a normal part of aging. Several ladies on WebMD’s menopausal support group, for example, voiced displeasure that their Kaiser insurance did not include HRT.

Prescription medication copays vary from $5 to $30 each month for individuals with insurance.

HRT’s Basic Costs

The essential cost of HRT is limited to hormone replacement therapy. These therapies carry additional charges, and listed below are the variables you should check to make an informed financial decision.


Oral HRT medications range in price from $130 to $240 monthly, from $1560 to $2440 per year. Most individuals are only aware of their prescription copay expenses, generally $30 per month or $360 per year, even though most insurers cover HRT medications.

Creams, gels, and patches are all options.

They vary from $120 to $1,020, but you’ll have to put in a lot more work. On the other hand, lotions, gels, and patches may have fewer complications.


Even though some women like it, intravenous hormone treatment is mainly utilized by males. It is one of the more costly alternatives, with some treatments costing thousands of dollars each year and requiring several doctor consultations.


Pellet treatment is an out-of-pocket expenditure that is often not reimbursed by coverage. As a result, you will be liable for the whole expense, which is surprisingly comparable to alternative treatments. You pay roughly the same amount, but you get some extra perks!

Other Things to Keep in Mind

Hormonal therapy is a very successful therapeutic option with various treatment choices. You may decide that tablets are your best alternative based only on the cost of a prescription. There is a slew of additional issues to think about.

The cost of the prescriptions does not include the expense of the doctor’s visit. If you have to pay a copay for a doctor’s appointment, the expense of treatment may rapidly mount up to hundreds of dollars.

Blood tests used to measure blood glucose levels are the same. Because many insurers have yearly restrictions on the number of blood tests they will cover, you will have to pay for these tests.

What should be a part of the therapy??

What should be included in the therapy

Hormonal therapy treatment typically comprises synthesized estrogens and progestin, or a combination of the two. Micronized progesterone, which replicates those generated generally by the female body, has recently gained popularity. According to Harvard Health, there is no solid scientific evidence that bioidentical hormones are safer or more efficient than non-bioidentical hormones.

Hormonal therapy treatment is available in pill, patches, gel, genital lotion, or slow-release genital ring format. Most medications and creams are used regularly, while patches are administered once or twice per week. Hormone replacement treatment is described in detail by the North American Menopause Association.

The Top Reasons Why Hormone Replacement Therapy Can Help You Save Money

Although the cost of this treatment is substantially less than surgery or other therapies, there are a variety of ways in which this medication could save you money over time, including the following:

Stop Spending on Other Medications

Signs of decreased testosterone may indicate that you are taking medications for various other conditions, such as using sexual enhancement treatment to address erectile dysfunction or psychiatric drugs to treat depression.

Hormone replacement treatment reduces the number of medications you need to take since it corrects hormone imbalances, making other medications unnecessary or redundant.

Reduce the Cost of Additional Therapies or Treatments. Taking hormone replacement therapy can eliminate the need for additional treatments and therapies to treat the symptoms of low testosterone. This ultimately reduces copays or out-of-pocket expenses associated with other medicines.

Spend Less on Lifestyle Costs

If you’ve been experiencing low testosterone symptoms, you’ve likely tried to treat the symptoms on your own by investing in lifestyle products.

This can range from dietary supplements and protein powders to expenses associated with aesthetics, such as Rogaine. Typically, hormone replacement therapy is effective enough to eliminate the need for other non-medical treatments.

Why Is Bioidentical Hormone Therapy Superior to Other Hormone Therapies?

Why Is Bioidentical Hormone Therapy Superior to Other Hormone Therapies

You can see bioidentical hormones as a safer and more effective alternative to hormonal replacement therapy. Conventional hormone replacement therapy a few years ago, the most commonly used hormone replacement therapy was synthetic hormones, which were structurally incompatible with the human body and carried a high risk of unwanted side effects.

In contrast, bioidentical hormones are so similar to human hormones that the body cannot discern the difference. In addition, they come from natural sources, which reduce the likelihood of harmful side effects and facilitate their absorption by the body.

How Frequently Do You Need Hormone Replacement Therapy?

Frequency of usage may be a primary incentive for some persons. It would be preferable to take the tablets regularly since missing a dosage might cause mood swings and an increased risk of adverse effects.

It will also travel through the liver for the first time. If you’re disciplined, this shouldn’t be an issue. It would, however, be beneficial if you analyze your habits.

Creams and gels are good options for those who want a more natural application. These should be used regularly, multiple times a day. This is the most cost-effective option, but it is also the most time-consuming. The absorption rate varies a lot across people and even within the same individual.

A doctor’s appointment or self-injection is required one to three times each week for injections. Each trip to the doctor’s office necessitates time away from work, transportation arrangements, and maybe extra costs such as co-payments.

Injectable refers to a roller-coaster impact in hormone administration, with high peaks and low troughs.

Pellet treatment takes two to four medical visits each year and does not entail any more labor on the part of the patient. The patient will forget about the pellet after they get it until their next medical appointment.

Pellet treatment is the only type of testosterone or estrogen considered long-term and the only hormonal treatment that keeps women and men at physiological levels 24 hours a day.

Frequently Asked Questions

How Often Should You See Your Doctor?

You will need to see your doctor every time your prescription renew. An administration fee will be charged, which may or may not be included in your co-payment.

A test will be required to assess your hormone levels in most cases. A blood test is typically the most reliable way of determining your levels of hormones and ensuring that your hormone treatment dosage is proper.

Based on the doctor’s needs, this test might cost anything between $80 to over $500. Blood tests range in price from $80 to $200.

What to Expect When Starting HRT?

First, you will speak with a hormone health specialist before starting your bioidentical hormone replacement therapy treatment.

Will Insurance Cover HRT?

It depends entirely on your health insurance company. In certain circumstances, insurance will cover all or a portion of the cost of BHRT, while in others, it will not.

Will Medicare Cover HRT?

Medicare provides only limited coverage for prescription drugs in the original Part A and B plans. These policies are unlikely to cover hormone therapy at all. However, if you have a Part D prescription drug plan, the policy will cover your prescription drugs, including hormones.

Is It Difficult to Pick the Best Treatment for Your Condition?

A few things determine the proper treatment type for you. For example, what is the optimal dosage for treating your symptoms? If you have more symptoms or need higher testosterone levels, topical therapies may not be effective.

Your age and physical capabilities and the symptoms for which you seek treatment may also be considerations.

Bottom line

When deciding on hormone replacement therapy, consider how often you will need to visit your doctor, travel expenses, how often you will need a simple application of medication, and any insurance deductibles, copays, or incidentals.

Every patient who visits our office has at least once asked, “How much does hormone replacement therapy cost?” The answer to this question is that it is variable.

There are other factors to consider, such as whether you have health insurance, the type of therapy you choose, and, of course, your budget.

Women contemplating hormonal therapy treatment before or after menopause should read the above details. Let’s start with how to utilize your health insurance. Also, inquire about out-of-pocket expenses, which may amaze you given how low they are.



Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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