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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

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Amount: $123.00
Posted by: a user in Augusta, GA.Posted: November 30th, 2017 01:11PM
Insurance:: UHS Care Mart
When I had insurance I paid $123 for a 3 month supply. I had a lapse in insurance and the quote was over $500. Why is birth control free w/ most insurance and at the health department but not HRT. Same hormones.
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Amount: $250.00
Posted by: DJD in Columbia, MD.Posted: November 24th, 2017 04:11AM
Insurance:: Bcbs
Phizer does have a patient program to cover them free but my salary went over their limit.
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HRT for transgender (MTF) and natal women
Amount: $8.00
Posted by: Gillian 2017 in Atlanta, GA.Posted: November 16th, 2017 01:11AM
Insurance:: none
Walmart sells generic estradiol 2mg per pill for $4.00 for a one month supply (for women). Transgender dosage is typically double that (4 mg per day). A three month (for women) supply is $10.00. They also sell generic progesterone for the same price.
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Amount: $95.00
Posted by: Renee deason in Austin, TX.Posted: September 26th, 2017 04:09AM
Insurance:: BCBS
Without insurance $265... insurance covered it at a cost of $95 / mo. Why are there no generics for it? The main reason I went to the doctor is because I had rapid weight gain In one year .... but all the reviews mention weight gain as a side effect . My doctor advised the weight gain was because this was the year I went into full
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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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Eight years on Wiley Protocol
Amount: $23,200.00
Posted by: TheBiz in Albuquerque, NM.Posted: June 8th, 2016 06:06PM
Insurance:: Quit covering hormones.
Pay this for about 5-6 week supply for estrogen, progesterone, and testosterone. Insurance only covers blood testing. With co-pays, used to be $90/month. Now, insurance will only pay for pharma HRT, which I cannot sub for the Wiley Protocol. I pay my CNP out of pocket because I don't want to switch. I can afford it, but it's not right at the major university I work for in the southwest, I'm surrounded by diabetics who won't change their horrid diet, taking expensive diabetic drugs, plus antidepressants, and more, and they whine all the time about their aches and pains, doctor visits constantly, and I'm older than they are often. I have to pay via rising insurance costs for their bad habits, while I only want my BHRT, and apparently good health is my responsibility. If I could figure out how to buy lower-cost insurance for just emergencies and high-cost expenses, which I can't under the ACA rules, I'd do it in a heart beat. I'd rather pay for my integrative health care on my own.
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Prempro tabs
Amount: $150.00
Posted by: Kare in Anthem, AZ.Posted: May 27th, 2016 09:05AM
Insurance:: UHC
This is my first time on hormones. I have been going through hot flashes and night sweats for 4 years and finally decided to get some help. My doctor put me on a fairly new treatment called prempro, made from the urine of pregnant mares.
I was shocked at the price and not sure if I want to spend $150 every month. Plus I just got my menstrual period after not having it for 3 years. I'm a newbie and will be doing more research but at this particular moment, I'll take the hotflashes and night sweats.
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Angeliq 1mg/1mg
Amount: $38.00
Posted by: meri in Ormond Beach, FL.Posted: May 7th, 2016 07:05AM
Insurance:: no
Angeliq if purchased out of the USA (Panama or Canada) without insurance is only $38.00 per month plus shipping. U need an RX to buy in Canada and may need your doctor to RX a dose not available in USA. With insurance coverage it cost $80-$110 in USA.I find that it relieves all my post menopausal symptoms
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Amount: $240.00
Posted by: TtNh in Brandon, FL.Posted: April 29th, 2016 01:04PM
Insurance:: medicare bc/bs
How is it so cheap outside of Medicare... Isn't something way,way,way wrong here or am I missing something??
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Amount: $120.00
Posted by: [email protected] in Cranston, RI.Posted: April 15th, 2016 10:04AM
Insurance:: Doesn't cover
I needed estrogen/progestion and testesterone replacement because all low. -and armour thyroid. Vitamin D shots
Even though this is pretty low I had to stop after a year of paying because I'm on Ssdi and just couldn't afford them.
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Amount: $284.00
Posted by: HPNC in Greensboro, NC.Posted: March 20th, 2016 03:03PM
Insurance:: Out of Pocket
Hormone replacement with testosterone is not covered by Medicare, only estrogen. Functional ovaries make estrogen and testosterone.
Three month supply purchased at Costco; membership is not required for pharmacy purchases.
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Estrace cream 1 1/2 oz
Amount: $240.00
Posted by: Nessa in venice, FL.Posted: February 25th, 2016 09:02AM
Insurance:: after 200 ded/40% after
started this 2 yrs ago for atrophy. cost was 139.
I called the company to complain about price gouging basically was told too bad. This is suppose to be better because it is applied directly to site with out going thru bloodstream.
half a gram 3x a week. 3 tubes a yr.
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Amount: $800.00
Posted by: lannie in SILVERDALE, WA.Posted: December 19th, 2015 08:12PM
Insurance:: none
why are women not covered for hormones? Men get help with testosterone and other things? Another question why is it so expensive? It is unreachable for most working women.I have searched the internet for affordable places.Nothing.I JUST NEED MY HORMONES BALANCED .
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Compounded creams, pills etc too many to write
Amount: $170.00
Posted by: Susan Burdette in Jacksonville, FL.Posted: November 12th, 2015 09:11AM
Insurance:: Live well meds discount card
This live well meds discount card, look it up on Internet, costs me about 30.00 a month and pays 30 to 40 percent of my meds. It helps me out a lot because uhc doesn't cover compound meds. I agree that they help men with their little problems but women can't get help. They have no idea how dis functional a woman can get with depletion of these vital hormones. Sb
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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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