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CostHelper > Health & Personal Care  > Reproductive Health > Hormone Replacement Therapy

Hormone Replacement Therapy Cost

How Much Does Hormone Replacement Therapy Cost?

low costLow: Insurance Copays $5-$30 a monthhigh costHigh: Without Insurance Coverage $10-$85 a month
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Hormone replacement therapy (HRT), also called hormone therapy, sometimes is used to counter side effects, such as hot flashes, mood swings and vaginal dryness, that can result from a decrease in female hormones during menopause.

Typical costs:

  • For patients not covered by health insurance, the average monthly cost of hormone replacement therapy can range from about $10 to $85, depending on the drug used. Generic estrogen-only or progesterone-only pills fall at the lower end of the cost range, while brand name estrogen-plus-progesterone pills or patches such as Prempro the CombiPatch, fall in the middle and some bioidentical estrogen vaginal creams, such as Estrace Cream, can fall on the high end.[1] offers a comparison chart of the monthly costs of various hormone replacement therapy pills, creams and patches.
  • Hormone replacement therapy is covered by most health insurance plans, but some do not cover it because they consider hormone-level decline a normal part of aging. For example, several women on WebMD's menopause support forum[2] stated that their Kaiser plans did not cover HRT.
  • For patients covered by insurance, prescription drug copays range from $5 to $30 per month.
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What should be included:
  • Hormone replacement therapy typically contains synthetic versions of the hormones estrogen and progestin or a combination of the two. Recently, there has been more interest in bioidentical hormones, which mimic those produced by a woman's body. Harvard Health[3] provides an overview of bioidentical hormones, and cautions that there is no solid scientific evidence these are safer or more effective than non-bioidentical hormones.
  • Hormone replacement therapy generally is available in the form of a pill, a patch, a gel, a vaginal cream or a slow-releasing vaginal ring. Most pills are taken daily, and most creams are applied daily, while patches are usually applied once or twice a week. The North American Menopause Society[4] has an overview of HRT.
Additional costs:
  • An initial doctor visit is required, and that can cost between $75 and $200 without insurance.
  • Before prescribing HRT, the doctor probably will order a blood test to check hormone levels, and it can cost about $1,000 without insurance.
  • Periodic follow-up doctor visits, and possibly follow-up blood testing, will be required.
  • Walmart[5] offers several generic HRT drugs for $4 for a monthly supply.
Shopping for hormone replacement therapy:
  • Hormone replacement therapy was much more commonly prescribed before a 2002 study exposed some risks, such as an increased risk of heart disease, blood clots, strokes and breast cancer. Now, long-term hormone replacement therapy generally is not recommended, but short-term therapy may, in addition to symptom relief, provide other health benefits, such as protection against osteoporosis and colorectal cancer. The Mayo Clinic[6] provides an overview of benefits and risks, and the American Cancer Society[7] offers a detailed FAQ on HRT and risk for different types of cancer.
  • Talk to your regular gynecologist about whether you are a candidate for HRT. Or, the American College of Obstetricians and Gynecologists[8] offers a doctor finder by state.
  • However, even short-term hormone replacement therapy is not recommended for women with heart disease, breast cancer or history of strokes. The National Institutes of Health[9] provides an overview of research on complementary and alternative therapies.
  • Side effects of hormone replacement therapy can include symptoms such as headaches, stomache cramps, fluid retention, breast tenderness and changes in sex drive.
Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.
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What People Are Paying - Recent Comments
Amount: $350.00
Posted by: StuckFootingtheBill in Norman, OK.Posted: June 7th, 2017 12:06AM
Insurance:: None
Bio identical hormone replacement therapy. There is no insurance that covers the pellets for women, only men. Because menopause is a normal part of life. The cause of my menopause is NOT due to natural aging, I am only 31!
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Hormone Therapy
Amount: $938.00
Posted by: Ripped off in Phoenix in Phoenix, AZ.Posted: May 5th, 2017 02:05PM
Insurance:: Cigna Home Pharamacy
I think that from what I can see on costs they ripped me off big time for a Estrogen/Progest. Cream to be that expensive is just crazy! The worst part about it is that I asked my dr to check the coverage and cost before ordering it neither were done. I have a auto alert on my HSA was the only reason I knew that the money was withdrawn from my account. I am fuming mad that they did not call me when I asked Cigna just said only if it is over $1000 REALLY!!!
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Amount: $25,000.00
Posted by: Lorita F Howard in Louisville, KY.Posted: April 24th, 2017 11:04AM
Insurance:: BCBS
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Estrace cream
Amount: $264.00
Posted by: kansas Granny in paola, KS.Posted: March 8th, 2017 07:03AM
Insurance:: Walmart/humana plan
Full cost $333.00. My price 264.00 3/1/2017
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Amount: $550.00
Posted by: Kas5900 in Hayden, ID.Posted: February 16th, 2017 08:02PM
Insurance:: Bluecross
I went to get my prempro prescription at Walmart and was told my share would be $550.00 after insurance. I guess I really don't need to take it. Can't/won't pay that much.
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Amount: $179.00
Posted by: LiterallyHot in Chicago, IL.Posted: January 11th, 2017 07:01AM
Insurance:: BCBS
$10-$85? Where do I find HRT that cheap? My prescription costs $179. The price is re-dick-ulous when it is something necessary for normal life for women. Prick pharmaceutical companies, get your heads out of your asses! You have enough money to last for your entire lifetime, you don't need to steal money from the rest of us to line your pockets further.
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Transgender seeking hormone replacement therapy
Amount: $0.00
Posted by: vanilla beaner 37 in Linton, IN.Posted: July 27th, 2016 03:07PM
Insurance:: Mdwise
I am male going to female I want to know if the hormone replacement therapy will be covered MDwise said the appointment is covered but that the Dr will need to do a prior authorization to see if the hormone replacement therapy will be covered. Plz help
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Kaiser not covering HRT for women but cover erectile problems for men!
Amount: $50.00
Posted by: Laurel Wollweber in Corona, CA.Posted: September 6th, 2015 06:09PM
Insurance:: Kaiser
Kaiser will not cover HRT meds for women because it is "normal aging" and will only prescribe anti-depressants! But they do cover meds for erectile dis function "normal aging"! This is discrimination!
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HRT compound cream
Amount: $52.00
Posted by: Rosie Reilly in Mt Pleasant, SC.Posted: August 18th, 2015 07:08PM
Insurance:: no
Twice daily, 30 day supply
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Amount: $275.00
Posted by: Carriejo in Minneapolis, MN.Posted: July 12th, 2015 12:07AM
Insurance:: Bcbs
I am trying to find out if these creams (estriol-Premarin) are sold cheaper overseas. My cost estimate was 275.00 insurance is zilch. My premiums are 450 a month.
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compounded bio identical hormones
Amount: $280.00
Posted by: spagglewags in cary, NC.Posted: May 4th, 2015 10:05AM
Insurance:: blue Cross ppo
Bio identical progesterone 80$ 90 days pills, and $180 testosterone and estrogen creams price combined
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Amount: $180.00
Posted by: Angela Worrell in Galax, VA.Posted: April 7th, 2015 08:04PM
Insurance:: yes...BCBS HealthKeepers
my Blue Cross Blue Shield healthkeepers has denied to help assist in any of the prescriptions, which include by is estrogen cream testosterone cream and progesterone capsules. Many other patients that I speak with from the local area that go to the same physicians have insurance policies that pay for all of it. I'm self employed so I have a private policy with premiums of 460 dollars a month. I'm not going to be able to continue with the therapy and I was starting to feel so much better.
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Have Insurance
Amount: $150.00
Posted by: 22kat in Frisco, TX.Posted: February 5th, 2015 02:02PM
Insurance:: Aetna
This amount of avge $150 monthly for shots doesn't include co-pays for doc, co-pays for lab, and the $75 injection fee. It's rediculius!!!!!
And I have insurance!
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Amount: $280.00
Posted by: Angelagreen0214 in San Angelo, TX.Posted: January 28th, 2015 06:01AM
Insurance:: none
Triest compound cream, testosts cream and progesterone pill.
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Cost of Bio Identical Hormone doctor
Amount: $285.00
Posted by: Jane Therteene in Roseville, CA.Posted: January 26th, 2015 12:01PM
Insurance:: none
Kaiser won't prescribe the bio-identical hormones so it's up to me to find a doctor for that. So far, with this new dr.....$285, and it's only been 3 mos. Looks as if he'll rake in $85 every three months from now on. The hormones cost $114 for 3 months. ISN'T THERE A DOCTOR AROUND THAT WON'T GOUGE WOMEN WHO WANT TO TAKE THE BIO IDENTICAL HORMONES?!!!
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Lower priced HRT treatment
Amount: $150.00
Posted by: Fiona23 in Miami, FL.Posted: February 12th, 2013 09:02AM
Insurance:: Yes
Emily what are the generic brands you are using? My doctor prescribed name brands for $150 per month..
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Amount: $2,000.00
Posted by: coronerchic in Knoxville, TN.Posted: November 3rd, 2012 01:11PM
Insurance:: Humana
I opted to use the bioidentical HRT. Insurance will not cover, even though it is preventative. THat cost has now risen due to policy changes with the facility. I will have to discontinue. Funny, that insurance will cover penis pumps.
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urogenital atrophy
Amount: $120.00
Posted by: Audrey Rowell-Thompson in scottsdale, AZ.Posted: February 18th, 2012 04:02PM
Insurance:: does not cover hormones!!!!
even though the vaginal estrace and vagifem is the cure to repair my VERY painful atrophy,it is insane how much it costs...luckily i found a wallgreens who compounded it for $30.00,but nobody seems to care about this condition and i would like to know how to become an activist for low cost essential hormones.I would like to add that after doing all the research myself i found that if you go on the manufacturers website there is sometimes a patient assistance discount
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Cost of HRT/Unecessary Testing
Amount: $30.00
Posted by: Emily Russell in Princeton, NJ.Posted: August 11th, 2011 02:08PM
Insurance:: NA
For a 3 month supply of HRT"S I am spending lass than $30. Both generic. I have a friend who had similar prescription, not generic for the cost of $200. Any wonder our healthcare costs are ridiculously high. I've been on this for a long time and do not recall having my blood tested. It was more or less prescribed according to how well it worked.
I am waiting results from lab to see if my toenail fungus is toenail fungus. Looks like all the pix I've seen but the Dr. insisted the nails be analyzed.
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