How Much Does Hormone Replacement Therapy Cost: Review 2020

How Much Does Hormone Replacement Therapy Cost: Review 2020 |

At times, people suffer from health inconveniences that come as a result of the natural processes of their bodies. Commonly, they are related to the process of aging and menopause is one of them. It happens only in women and commonly begins somewhere between 45 and 55 years. However, it may sometimes come earlier or later. The consequences of this natural process induce many unpleasant feelings and health deviations. Thus, a woman may suffer from different kinds of pain, cramps, bleeding, hot flashes, night sweats, mood alterations, and so on. They are induced by a huge loss of estrogen. It is the most important female hormone, which is answerable for many processes and functions of the female body. When the body lacks it, the risk of many unhealthy events sufficiently increases. Thus, women look for possible solutions and hormone replacement therapy (HTR) is one of them.

This approach is very popular but likewise leaves many questions. Women ask about its dependability, safety, and efficiency. Besides, they ask – How much does HRT cost? The matter of cost is important because not all people can afford expensive medical treatment. If you open your browser, you will definitely see various questions devoted to this matter. They may be as follows:

  • How much does hormone replacement therapy cost?
  • What is a hormone replacement therapy cost per month?
  • The average cost of hormone replacement therapy.

The questions and requests similar to “how much does HRT cost” are no rarity. Therefore, our informative guide will disclose this relevant topic. Thus, women will know “how much does HRT cost” and will likewise find out other crucial facts about hormone replacement therapy.

The question ‘how much does HRT cost’ entails many aspects that are hard to predict. Clinics and hospitals often don’t present the entire cost of hormone replacement therapy because their doctors need to see a patient to learn about his or her health condition and decide what to prescribe and for how long. FAQ websites present different answers to ‘how much does HRT cost’ because every patient has a different HRT history. The cost of HRT differs from country to country and from clinics to clinics involving numerous explanations and consultations. 

What Is Hormone Replacement Therapy?

If we analyze and discuss the issue of the hormone therapy cost, as well as its pros and cons, we should understand what it is. Hormone replacement therapy is an efficient medical approach, which helps to recover the lost amounts of estrogen in women. Women can administer hormones thanks to different ways. They include rings, creams, tablets, injections, and so on. We will review these ways later.

You should be aware of potential health risks. Different types of HRT may induce multiple health complications and some of them are quite severe. Thus, this approach increases the risk of having breast cancer, stroke, and cardiovascular ailments. Other adverse reactions may likewise develop and you must be aware of them.

How Much Does Hormone Replacement Therapy Cost?

How much does HRT cost? It is a typical and reasonable question asked by many women. However, men may require this therapy for definite reasons as well. Hormone replacement therapy cost depends on the following peculiarities.


Sometimes people from one country visit another one to receive the required treatment or undergo surgery. The reason for that can be either lack of specialists who are aware of the procedure and can guarantee high-quality service and demanded outcome or too high HRT cost. 

Insurance and Non-Insurance Hormone Replacement Therapy Cost

Some insurance companies do not cover hormone replacement therapy cost regarding it as a non-disease condition. Scientists do not classify menopausal symptoms as a disease or health disorder. This process is inevitable because of the aging process. Consequently, it does not deal with emergency treatment. A patient should discuss ‘how much does HRT cost’ question with an insurance company to check whether it provides zero, partial, or 100% coverage of HRT cost.

HRT reviews state that insurance companies usually do not cover bioidentical hormone replacement therapy cost because it lacks the scientific background provided by clinical trials and approval of the FDA. 


Patients understand that hormone replacement therapy cost per month differs from the yearly cost of HRT. The longer therapy lasts the more it will cost. Some patients have to take HRT for five years that increases the cost of hormone replacement therapy. 

Type of HRT 

Type of HRT Cost

If you need an answer to the question of HRT cost, make sure you know its types. They likewise affect the final sum of payments. There are two classifications of the HRT treatment. 

The first classification: HRT and BHRT

This classification concerns the composition of HRT types a person is going to take. How much does HRT cost if it is bioidentical? Experts state that products of BHRT are a bit cheaper because mostly they are not approved by the Food and Drug Administration. The FDA gives permission for the product production that had proved its efficacy in clinical studies. 

The second classification: Form of Manufacturing

A doctor can suggest using pills, pessaries, patches, vaginal tablets, creams, injections, pellets, gels,  and implants to cope with menopause effects. Each form of reproductive hormones has a different price that influences hormone replacement therapy cost per month. 


It is impossible to administer hormone replacement therapy without the corresponding test. Endocrinologists can test a patient’s saliva, blood, and urine to find out the level of reproductive hormones in the body. Depending on the form of HRT, the testing can be repeated in 3 weeks, a month, several months, and a year. The high frequency of laboratory examination of blood, urine, and saliva increases the cost of hormone replacement therapy. 

Women and men ask different specialized private laboratories ‘how much does HRT cost’ to compare price lists and chose the cheapest one. One should also remember that the results are to be precise. That is why, even if the cost of HRT tests at some laboratory is lower but its reputation is doubtful, it will be better to choose another one. 


How much does hormone replacement therapy cost, including vitamins and supplements? The endocrine system of the human body is responsible not only for hormonal balance but the immunity as well. The menopausal transition is exhausting and a person needs more vitamins and minerals to cope with its adverse disturbance. Women after 45 and men after 50 have to consume more vitamins and related supplements to prevent osteoporosis, muscle weakness, fatigue, and other menopause symptoms. The hormone replacement therapy cost of supplements and vitamins depending on the brand and the duration of treatment. 

How Much Does HRT Cost: Service Peculiarities

All people who look for a clarification of the total price of HRT must take into account service peculiarities too. How much does HRT cost in private and public hospitals? Everything depends on the service they provide. Private clinics advertise fast service and individual approach to each customer. They possess high-quality equipment and employ experienced doctors and nurses to guarantee service that corresponds to international standards of world health organizations. Hormone replacement therapy cost per month at such medical institutions is higher compared to traditional clinics. A patient should add the price of consultations of specialists to find out the total sum and answer the question ‘how much does HRT cost?’

How Much Does HRT Cost for Men?

At times, men likewise ask – How much does HRT cost? You shouldn’t be surprised because nobody can omit the process of aging. Many men have great problems with their hormones and health after they are 50 years and older. This approach may likewise help every man to rebalance his hormonal imbalance.
After 50 men start feeling weak and complain having low libido and high level of irritability. This is the outcome of an andropause transition that provokes a negative reaction of the male body. The reasons for the insufficiency of male testosterone is the aging process and improper functionality of testes. The most common symptoms of the male transition period include:

  • fatness in the area of abdomen and chest
  • reduced muscle mass
  • trouble sleeping
  • erectile dysfunction
  • annoyance
  • boldness
  • mood fluctuations
  • fatigue
  • skin problems

The hormone replacement therapy cost will depend on the duration of HRT. Male menopause can start after 30 and become symptomatic only after 40-50. Consequently, it can last for 20 years that makes HRT cost higher.

How Much Does HRT Cost for Women?

Commonly, women ask – How much does HRT cost? This matter is important and depends on different factors. Women start complaining of having headaches, exhaustion, painful menstruations, hot flushes, skin problems, and vaginal dryness after 45. Before they proceed to the crucial treatment of menopause, they use lubricants and take analgesics. Later they turn to professionals to start HRT. The fear of high prices results in osteoporosis and exhausting insomnia, muscle pain, and climacteric vasomotor symptom. 

HRT price for women will charge the number of consultations, prescribed forms of treatment, HRT period, and tests. It is important to know that some clinics do not include consultations of a specialist to the cost of HRT. The exact frequency of visits is unpredictable because even in case a person uses implants, it will be necessary to monitor the status of the hormone level in the body to make sure that the medication is effective. The reason for an unexpected visit can be the improper application of a patch in home conditions or the negative reaction of the organism to the prescribed treatment. 

What are HRT forms for Men and Women?

Women and men often postpone HRT because they do not know how much does HRT cost. A doctor’s consultation and tests are less expensive than the intake of hormones. A patient must be aware of affordable forms of hormone manufacturing. They vary in the frequency and way of application.


Creams, gels, and patches are applied to a patient’s skin. HRT liquid substances are rubbed into the skin once or twice a day. A person changes patches once or twice a week. So, a patient can compare the price of creams and gels considering their volume and patches to calculate the total price and decide which type is cheaper. 


T-shape implant is placed in the uterus and changed once in 3 or 5 years regarding the recommendations of the manufacturer. Vaginal rings need changing once in 3 months or 90 days. Vaginal creams and tables are used 1 a day before bedtime. It is more comfortable to use implants but their price can be higher compared to rings and creams.


A pellet requires surgical interference and local injection of an anesthetic. A doctor inserts it under the skin in the tummy area in women and hip area in men and needs to repeat the procedure in a couple of months. 

A person needs injections up to 3 times a week. This procedure is unacceptable for those who are afraid of shots. 


This type of HRT is the most typical because it deals with pills that are easy to take and have a stable dose of reproductive hormones that assists the ineffective treatment. A person can reduce expenses due to generic HRT pills. They are cheaper than brand ones but they produce the same effect due to the analogical composition. 

How much does HRT cost is a question that needs a thorough investigation of an individual’s health condition and the best type of hormonal intake. For example, implants are the most expensive type of HRT because they do not demand constant control of a patient’s dosage. One just undergoes a 5 to 10-minute surgery and forgets about the medication until the next appointment. Other forms are to be regularly monitored by a specialist and a patient must not forget to take a dose to keep to a schedule and succeed in treatment. 

All forms have definite advantages. Besides, they may induce potential damage to your health. We have briefly mentioned them above. Consult a specialist to determine all the hazards to assess your chances for success.

Are There Any Consequences After I Stop HRT?

Hormone replacement therapy is a powerful medical approach. People frequently question its safety and efficiency. As with other similar approaches, it has hidden threats for women. Therefore, every woman must obligatorily learn all the data concerning the possible risks. Even after a woman stops the course of treatment, there is no guarantee she won’t have some side effects. The stoppage of treatment may also have some consequences.

We mean a sudden stoppage of treatment. This effect is typical for many other therapies and medications. Our body gets used to the effects of certain agents. If it lasts for long, it is always dangerous to refuse to pass the treatment abruptly. It frequently leads to negative effects, which may badly damage your health and even endanger your life. Among the most typical consequences of an abrupt stoppage of hormone replacement therapy are:

  • Hot flashes;
  • Increased sweating (including night sweats);
  • Sleep disorders;
  • Decreased levels of libido;
  • Frequent mood swings, etc.

As you can see, these are typical symptoms of menopause. If you abruptly refuse HRT, the problems you tried to overcome will return. Moreover, their severity and frequency may increase. Therefore, you must decrease the daily dosage (depends on the type of implementation) steadily and your doctor must supervise you.

How Much Does Hormone Replacement Therapy Cost Regarding Its Bioidentical and Standard Nature? 

Both genders can have bioidentical and typical HRT. The first one is made out of natural components and can cause fewer side effects. The FDA has approved some BHRT types that manifest a stable dose and composition. If BHRT is personalized, its purity will be doubtful. They do not involve clinical studies and the Food and Drug Administration does not approve such methods of treatment. Customers, on the contrary, support their beneficial effect on the patient’s organism because each component is selected according to an individual’s health condition, symptoms, and requirements. 

For patients, BHRT can be more expensive because of the policy of insurance companies. They do not cover the procedures and the total cost of HRT that contradict the recommendations and demands of the World Health Organization and the Food and Drug Administration. According to the latest researches, patients who deal with BHRT suffer less from side effects. That is why patients often prefer this type of HRT despite its higher cost.

How Much Does It Cost to Start HRT?

As you need to clarify the issue of “how much does HRT cost”, it involves the initial cost. You may not have to spend a lot at the beginning of treatment. Hormone replacement therapy deals not only with drug consumption but also with consultations and types of the chosen HRT. How much does it cost to start HRT?

First, a person visits a physician to examine the general health state and make sure that he or she requires HRT. A general practitioner can ask about a patient’s age, complaints, and the period he or she experiences negative menopause symptoms. A therapeutist can provide general data about ‘how much does HRT cost’ peculiarities. 

Second, if a GP confirms the necessity for HRT, it will be necessary to consult an endocrinologist who specializes in hormone-related health disorders and diseases. An endocrinologist usually informs about all the details of the cost of HRT in case a patient wants to know this information.

Third, an endocrinologist assigns the required tests and interprets them.

Finally, a specialist prescribes HRT, its duration, and decides the frequency of a patient’s consultations. 

To answer the ‘how much does HRT cost for a start’ question, a person must consider the price of the assigned tests, a doctor’s consultation, and insurance details. Personal insurance can cover the HRT cost partially or completely.

A person must look for the affordable variant of healthcare facilities to get HRT medical care. The hormone replacement therapy cost will be higher in case a person prefers a private hospital, center, or clinic to a state one. How much does it cost to start HRT is a diverse question that cannot be answered spontaneously. Average hospitals, including private ones, charge more for the initial consultation and reduce the price for subsequent visits.

How Much HRT Cost and Is It Worthy?

Subconsciously, when patients ask “how much HRT cost”, they will want to know whether such expenses will justify their expectations or not. HRT appeared in the 1960s and health advisors were doubtful concerning its efficacy. Today they have enough evidence at their disposal. They conclude that negative consequences of uncontrolled production of reproductive hormones can be much worse than therapy that aims at bringing male and female organisms back to the norm. The statistic manifests the lower cases of bone fractures among patients who took bioidentical and traditional hormones. There were fewer cases of hot flushes among women and ED among men. Besides, it helped to lose weight and control it during the medication.  

The Bottom Line

The cost of hormone replacement therapy is a crucial matter. Multiple factors affect the final sum of payments. These are the country, a method of implementation, the chosen clinic, durability, medical insurance, and others. Only after you identify all the factors, you will know the total cost.

Before you undergo this therapy, weigh all potential risks. It’s not always safe and it may show little efficacy for some women. Pass the necessary tests and consult several specialists in the field to understand all advantages and disadvantages. Thus, you’ll make the right choice, which will be both safe and efficient.

Now we know the answer to the question – How much does HRT cost? It depends on a concrete situation. Therefore, consult your doctor, consider all the highlights mentioned in our guide and define the total cost. You have multiple options to make it cheap and affordable.


Do you still have some questions associated with the matter of “how much does HRT cost”? If it’s so, we recommend reading the most frequently asked questions. They provide quick and short answers about some important peculiarities.

💵 How much does hormone replacement therapy cost?

Shopping around for hormone replacement therapy costs isn’t easy. There are lots of hidden factors beyond the costs of the therapy itself. You need to learn about several factors to make sure you’re getting the most value for the price you’re paying.

💳 How much does HRT cost with insurance?

The cost of hormone replacement therapy out of your pocket with the help of a health insurance plan will be around $5 to $30 per month as a form of copay. Those who lack health insurance coverage will be spending anywhere from $85 per month.

🎗 What are the basic costs of HRT?

Monthly prescription costs for oral HRT run $130 to $240 per month, for an annual fee of $1560 to $2440.

😉How often do you need to get your hormone replacement therapy?

You need to take the pills every day, knowing if you miss one, you may be facing mood swings and an increased risk of various side effects, and will also make the first pass through the liver.

Leave us your review about this article!

Submit your review

Create your own review

How Much Does Hormone Replacement Therapy Cost: Review 2020
Average rating:  
 1 reviews
by Elizabeth on

Thanks to my insurance company for covering the entire cost of hormone replacement therapy. I'm very lucky in this regard


Emma J. Johnson

Menopause consultant and sex therapist, media personality, author, woman health expert.

You may be interested