10 of 18
offers can be totalled across twelve months
A total is published only where the recurring amount, the billing interval and every required fee are all established. Anything short of that keeps its amount and loses its total.
Costs · first year of treatment
What twelve months of online HRT actually comes to
A year is not twelve equal payments. This page totals recorded online programs from the amount actually charged, the number of payments a year needs and the fees charged beside them — then shows the monthly equivalent separately, so the two are never confused. Where a required price is missing, the total is withheld and the gap is named.
10 totalled3 withheld4 medicine unpriced
Read Oct 23, 2026 and Oct 26, 2026. Every amount is the provider's own published rate, on the cycle it is actually billed.
The intervals are not interchangeable, so the year is not twelve payments
Programs in this record set bill every 28 days, every 30 days, every 90 days, every three calendar months, each calendar month and once a year. Each one needs a different number of payments to keep supply continuous for twelve months. Converting them all to a monthly figure first is exactly how a year loses a payment, so the payment count is reported as it falls.
5 of 10
totalled offers bill on a cycle that is not a calendar month
A 28-day supply, a 90-day supply and a three-calendar-month supply each need a different number of payments to cover a year. None of them is twelve.
$948.00–$2,985.00
the recorded twelve-month totals, lowest to highest
Hers at $948.00 through Inner Balance at $2,985.00. Both are whole-payment totals, not a monthly figure multiplied by twelve.
4
programs where the medicine or the copay has no published price
Care is priced and the treatment is not. Those rows keep the unknown as an unknown rather than filling it in with an average.
Each interval, and what it takes to cover a year
Read from the records, grouped by the cycle each provider publishes. No interval is normalised into another.
Swipe the table sideways
| Billing interval, as published | Offers | Payments in 12 months | Days of supply bought | What that means for the year |
|---|---|---|---|---|
| each calendar month | 7 | 12 | 365 | 12 payments land on a year almost exactly. |
| every three calendar months | 1 | 4 | 365 | 4 payments land on a year almost exactly. |
| every 28 days | 2 | 14 | 392 | 14 payments cover 392 days, 27 days past the year end, so the last supply carries into year two. |
| every 90 days | 2 | 5 | 450 | 5 payments cover 450 days, 85 days past the year end, so the last supply carries into year two. |
Twelve-month totals, computed
The 10 programs where a year can be totalled
Each row is built from whole payments: the published amount, the interval it recurs on, and the number of payments needed to cover 365 days. Required fees are then added as they are actually charged — a one-time fee once, a membership across twelve months, a per-visit fee at its stated interval. The monthly equivalent sits beneath each total as a spread, and the note says what makes it different from the year.
Read this before the figures
Rows are ordered by total, lowest first. That is this page's own ordering, not a recommendation, a score or a ranking, and no placement is sold. A lower total can buy a different preparation and a shorter supply.
Swipe the table sideways
| Program & charge type | What one payment covers | Billing interval | Amount per payment | Payments in 12 months | Fees outside the charge | Twelve-month total | Source read |
|---|---|---|---|---|---|---|---|
| Hersmedication price | Oral estradiol Oral tablet Supply: 30-day supply | each calendar month | $79.00 | 12 365 days of supply $948.00 of charges | No fee outside the charge | $948.00 ≈ $79.00/mo spread over twelve months Twelve monthly payments and twelve months of actual charges land within $0.50 of each other. | Oct 23, 2026 |
| Surfbound Healthcombined plan | Velora vaginal estradiol and progesterone cream Compounded vaginal cream combining estradiol and progesterone Supply: 45 g pump, about a 90-day supply | every 90 days | $249.00 | 5 450 days of supply · 85 into year two $1,245.00 of charges | No fee outside the charge | $1,245.00 ≈ $84.21/mo spread over twelve months $234.48 more than twelve times the monthly equivalent: $234.48 of it is the cycle itself: 5 payments of $249.00 cover 450 days, so the year costs slightly more than twelve times the monthly figure. | Oct 26, 2026 |
| Winonacombined plan | Estrogen with progesterone body cream Compounded body cream Supply: 30-day supply, processed every 28 days | every 28 days | $89.00 | 14 392 days of supply · 27 into year two $1,246.00 of charges | No fee outside the charge | $1,246.00 ≈ $96.75/mo spread over twelve months $85.03 more than twelve times the monthly equivalent: $85.03 of it is the cycle itself: 14 payments of $89.00 cover 392 days, so the year costs slightly more than twelve times the monthly figure. | Oct 23, 2026 |
| Alloymedication price | Estradiol patch Transdermal patch Supply: 3-month supply | every three calendar months | $300.00 | 4 365 days of supply $1,200.00 of charges |
| $1,249.00 ≈ $100.00/mo spread over twelve months $49.00 more than twelve times the monthly equivalent: $49.00 is a one-time fee counted once in year one. | Oct 26, 2026 |
| Herscombined plan | Estradiol patch with progesterone Transdermal patch plus oral capsule Supply: 30-day supply | each calendar month | $134.00 | 12 365 days of supply $1,608.00 of charges | No fee outside the charge | $1,608.00 ≈ $134.00/mo spread over twelve months Twelve monthly payments and twelve months of actual charges land within $0.50 of each other. | Oct 23, 2026 |
| Henry Medsmedication price | Menopause HRT Compounded cream, vaginal cream, patch or tablet Supply: Not established | each calendar month | $149.00 | 12 365 days of supply $1,788.00 of charges |
| $1,818.00 ≈ $149.00/mo spread over twelve months $30.00 more than twelve times the monthly equivalent: $30.00 is a one-time fee counted once in year one. | Oct 23, 2026 |
| Fem Excelmedication price | Estradiol Form not stated Supply: Not established | each calendar month | $50.00 | 12 365 days of supply $600.00 of charges |
| $1,887.00 ≈ $149.00/mo spread over twelve months $99.00 more than twelve times the monthly equivalent: $99.00 is a one-time fee counted once in year one. | Oct 23, 2026 |
| Winonamedication price | Estradiol patch Transdermal patch (FDA-approved estradiol) Supply: 30-day supply, processed every 28 days | every 28 days | $149.00 | 14 392 days of supply · 27 into year two $2,086.00 of charges | No fee outside the charge | $2,086.00 ≈ $161.97/mo spread over twelve months $142.35 more than twelve times the monthly equivalent: $142.35 of it is the cycle itself: 14 payments of $149.00 cover 392 days, so the year costs slightly more than twelve times the monthly figure. | Oct 23, 2026 |
| Fem Excelcombined plan | Estradiol with progesterone Form not stated Supply: Not established | each calendar month | $100.00 | 12 365 days of supply $1,200.00 of charges |
| $2,487.00 ≈ $199.00/mo spread over twelve months $99.00 more than twelve times the monthly equivalent: $99.00 is a one-time fee counted once in year one. | Oct 23, 2026 |
| Inner Balancecombined plan | Oestra estradiol and progesterone cream Estradiol and progesterone cream Supply: 3-month supply | every 90 days | $597.00 | 5 450 days of supply · 85 into year two $2,985.00 of charges | No fee outside the charge | $2,985.00 ≈ $201.90/mo spread over twelve months $562.18 more than twelve times the monthly equivalent: $562.18 of it is the cycle itself: 5 payments of $597.00 cover 450 days, so the year costs slightly more than twelve times the monthly figure. | Oct 23, 2026 |
A total is the sum of payments a buyer would make in the first twelve months, not an annualised average of a monthly rate. Where the last payment carries supply past day 365, the row says so.
Charge published, total withheld
The 3 rows where a year cannot be added up
These programs do publish a charge. What they do not publish is one of the inputs a total needs: a price for a required fee, a billing interval behind a monthly rate, or a recurring amount at all. The published amount stays on the row, the total is withheld, and the missing input is named in its own column.
Swipe the table sideways
| Program | What is published | What is missing for a twelve-month total | Twelve-month total | Source read |
|---|---|---|---|---|
| MuselyThe Estrogen Cream | $46.00 cadence not established Supply: 2-month supply, as the provider describes it |
| Withheld $46.00/mo as quoted | Oct 26, 2026 |
| MuselyEstrogen pill | $35.00 cadence not established Supply: 2-month supply, as the provider describes it |
| Withheld $35.00/mo as quoted | Oct 26, 2026 |
| MuselyEstrogen patch | No amount published cadence not established Supply: Not established |
| Withheld | Oct 26, 2026 |
Withholding a total is the point of the column. A row totalled from an estimated fee would look complete and be wrong, and the buyer would only find out at checkout.
Insurance and pharmacy-billed
Where the medicine, and the copay, are the unknown
4 programs publish what they charge for care and publish nothing for the medicine. The prescription is filled at a pharmacy — paid there, or run through insurance — so the treatment cost depends on a drug price and a plan that the provider page never states.
What is deliberately absent
No average copay, no assumed coinsurance and no “typical” pharmacy price. Each depends on the policy and the pharmacy, and none of it is in the record.
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| Program | What is published | Medication cost | Insurance copay | Source read |
|---|---|---|---|---|
| Evernowmembership only | $49.00 each calendar month Medication is billed separately at a pharmacy and priced there, so this amount covers care only. | Not published Priced at the pharmacy that fills it, so no amount is stated here and none is estimated. | Unknown The plan's copay, coinsurance and deductible depend on the policy, and no amount is published. No copay is invented here. | Oct 23, 2026 |
| Gala GLP-1care charge only | Not established One-off care charge; no recurring amount published Medication is billed separately at a pharmacy and priced there, so this amount covers care only. | Not published Priced at the pharmacy that fills it, so no amount is stated here and none is estimated. | No insurance path stated on the pages read. | Oct 23, 2026 |
| Midi Healthcare charge only | $250.00 for the initial 30-minute self-pay visit One-off care charge; no recurring amount published
Medication is billed separately at a pharmacy and priced there, so this amount covers care only. | Not published Priced at the pharmacy that fills it, so no amount is stated here and none is estimated. | Unknown The plan's copay, coinsurance and deductible depend on the policy, and no amount is published. No copay is invented here. | Oct 23, 2026 |
| Wispcare charge only | $33.00 each calendar month Medication is billed separately at a pharmacy and priced there, so this amount covers care only. | Not published Priced at the pharmacy that fills it, so no amount is stated here and none is estimated. | Unknown The plan's copay, coinsurance and deductible depend on the policy, and no amount is published. No copay is invented here. | Oct 23, 2026 |
3 of these 4 state that care can be billed through insurance. Not one publishes a copay, a coinsurance rate or a deductible amount, so the column stays empty rather than being filled with a national average.
How a twelve-month total is built
The same record set that feeds the ledger, read against a year instead of a month. Nothing here is a second price list.
- 01
Whole payments first, the monthly figure second
The year is the published amount multiplied by the number of payments needed to cover 365 days. The monthly equivalent is reported beside it and labelled as a spread. The two are never interchanged, and where they differ the row says why.
- 02
The interval is kept as billed
A 28-day, 90-day or three-calendar-month cycle is never normalised into a month. A calendar quarter is four payments, not twelve weeks; a 28-day cycle is fourteen payments, not twelve.
- 03
Fees are charged as they fall, not averaged
A one-time consultation is counted once ($277.00 across the totalled rows), a membership across twelve months, a per-visit fee at its stated interval. Nothing one-time is smeared across the year to make the plan look cheaper.
- 04
A blank blocks the total
A required fee with no amount, a monthly rate with no cycle behind it, or no recurring charge at all keeps the total off the row. The published amount stays; only the sum is withheld.
- 05
Insurance stays an unknown
Where care is billed through insurance, the copay, coinsurance and deductible depend on the plan and are not published. They are named as unknown rather than estimated, and the self-pay price is what the row shows.
- 06
Nothing upstream is touched
No score, rank, sponsored placement or pricing formula reads this page. The ordering is page-local, the add-on rates are excluded from every total, and a program's advertised starting price is never used as a twelve-month figure.
1 add-on rate is excluded from every total on this page. An optional add-on is not a treatment program, so totalling it across a year would print the cost of an extra nobody is required to buy.
Questions this page answers
What might a year of online HRT cost?
10 of the 18 recorded offers publish enough to build a twelve-month total, and they run from $948.00 at Hers to $2,985.00 at Inner Balance. Those are whole-payment totals: the amount actually charged, multiplied by the number of payments a year needs. They are not a monthly figure multiplied by twelve, and the difference between the two can be a full supply. The remaining offers keep their published amounts but no total, because a required fee or the medicine itself has no published price.
Why is the twelve-month total higher than twelve monthly payments?
8 of the 10 totalled offers come out above twelve times their own monthly equivalent, and the arithmetic is the cycle, not a fee. A program billing every 28 days needs fourteen payments to keep supply continuous through 365 days, so its year is fourteen charges while its monthly equivalent describes 13.04. A calendar-month program needs twelve. The page prints the payment count and the days that buys on every row, so the gap is visible instead of averaged away.
Which programs cannot be totalled, and why?
3 offers publish a charge without enough to total: a required cost with no amount, a monthly rate with no billing cycle behind it, or no recurring charge at all. A further 4 name a medicine that is priced at a pharmacy rather than by the program. In every one of those cases the published amount is shown and the total is withheld. An unpriced input is never replaced with an estimate, because a low total is worse than no total.
How much does insurance cover, and what is the copay?
3 of the recorded programs state that care can be billed through insurance, and not one of them publishes a copay, a coinsurance rate or a deductible figure. A copay depends on the plan, not on the provider's page, so no number is printed here for it. What is published is the self-pay alternative — a per-visit price, a membership or a consult charge — and that is what these rows show. A buyer on insurance should expect the medication cost and the copay to be separate and unstated.
Is a one-time consultation counted in the twelve-month total?
Yes, once. Across the totalled offers it comes to $277.00 of one-time fees in year one. A one-time fee is added where a program charges it in the first year and is not spread across the months, so year two is cheaper than the figure printed for these rows. The cost of that choice is that the printed total is what a buyer actually pays, rather than an average that matches no month.
Are a patch, a tablet and a cream interchangeable at these prices?
No. The rows name different preparations, and a compounded cream is not a finished product. A clinician chooses the route for clinical reasons, so a lower twelve-month total for one preparation is not a lower cost for the same treatment. This page totals what each program actually bills for what it dispenses, and makes no claim that one preparation can substitute for another.
Where to go next
This page reads the records against a year. The ledger prints the same offers month by month, the preparation comparison groups them by what is dispensed, the billing-structure page groups them by how the two medicines are charged, and the insurance guide sets out what stays unknown when a plan pays. A figure here is a dated snapshot of a published payment term, not a quote.
Last modified Oct 26, 2026