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Provider Guide7 min read

Midi Health Cost (2026): Insurance, Self-Pay & Verdict

With in-network PPO insurance Midi visits average about $50; self-pay is $250 first visit, $150 follow-ups. Medicare isn't billed. Full first-year math inside.

Updated October 19, 2026

Medically reviewed · How we review

Key takeaways

  • Midi Health charges per visit, not a membership. It is in-network with most PPO plans, and Midi says patients pay about $50 per visit on average with insurance; HMO plans are not in-network.
  • Self-pay visits are $250 for the first visit and $150 for each follow-up. Medication is billed separately through your pharmacy, usually under your drug coverage.
  • Midi does not bill Medicare (Medicare patients can pay as self-pay but cannot claim) and cannot treat Medicaid patients. Testosterone is out of pocket, about $45 for 30 days to $100+ for 90 days.
  • For a first year of one visit plus three follow-ups, visits cost about $200 at Midi's insured average or $700 self-pay, before medication.

What Midi Health costs, in one paragraph

The short answerMidi is a per-visit clinic, not a subscription. With in-network insurance (most PPO plans) you pay your usual specialist copay, coinsurance or deductible; Midi says patients pay about $50 per visit on average. Without insurance the first visit is $250 and follow-ups are $150. Medication goes to your own pharmacy and is paid through your drug coverage or at the pharmacy's cash price. Midi does not bill Medicare.

That makes Midi's cost harder to predict than a flat subscription and, for many insured women, lower. The rest of this guide shows where the money goes and when the math favors Midi over a cash-pay service.

Compare every provider's prices in one place in how much HRT costs online.

Trustpilot summary

Midi Health holds a 4.1 out of 5 across 1,707 reviews on its public Trustpilot profile. Of the 37 reviews we transcribed verbatim (reviews dated May 29, 2026 to Oct 6, 2026), 31 5-star, 2 3-star, 1 2-star and 3 1-star: 84% rate it 4 or 5 stars and 11% rate it 1 or 2 stars. Reviewer names are shortened to first name and initial; every captured review, including the lowest-rated, is shown below. How we collect customer reviews

5 star
31 (84%)
4 star
0 (0%)
3 star
2 (5%)
2 star
1 (3%)
1 star
3 (8%)
Midi Health logo

Midi Health reviews on

Trustpilot
(1,707 reviews)

All 37 reviews we captured, including every 1-star one.

Sort
Oct 6, 2026

Understanding an knowledgeable

“Understanding an knowledgeable”

F

Felicia M.

US

Oct 6, 2026

Midi Health has been life changing

“Midi Health has been life changing. I can't recommend them enough. The staff is great and their portal is easy to use.”

L

Lisa

US

Oct 5, 2026

Visit-Bloodwork-Visit= results. Worth the wait.

“Between my first visit, all the blood work and my second visit to get the results was a bit lengthy. BUT all worth it. I felt my clinician was knowledgeable. She came up with a health care plan that I was very pleased with. I have high hopes. Anxious to start my Journey to feeling better..”

K

Kathy F.

US

Oct 5, 2026

I was looking for a doctor who could...

“I was looking for a doctor who could prescribe the estrogen I had always used since I had a hysterectomy at 16 years old due to ovarian cancer. My oncologist of 30 years went "concierge" and I could no longer afford her. I was having such bad night sweats and hot flashes that life became unbearable! My new GYN was too afraid to give me hormones due to my age. Somehow- a google search I think- I came across Midi and it has changed my life!! The PAs are amazing and they care about your quality of life!! I feel so much better and like my old self again!”

D

Debbie B.

US

Oct 5, 2026

I am so happy

“I am so happy, I'm 47 years old and this is the first time I have felt heard. This is the first time people actually cared how I felt and wanted to help me. And not just gaslight me and make me feel like I was crazy. I would 100% recommend and do recommend all the women in my life to use midi”

N

Nirvana L.

US

Oct 5, 2026

quick, fast very convenient and very friendly

“I love the flexibility. I had my appointment telehealth in my car. I was going from one place to another place and could not make the meeting on time so I pulled over and had my meeting via telehealth from my car. It was quick, to the point and got everything i needed addressed. No need to go in and wait at a doctor's office.”

M

Mariana M.

US

Oct 2, 2026

The clinicians are great

“The clinicians are great. Highly recommend MIDI Health.”

D

Donna C.

US

Oct 2, 2026

Top tier care

“Midi was extremely quick and easy to set up an appointment and the care given was excellent. I felt heard for the first time in my menopause journey.”

J

Jane

US

Oct 2, 2026

Kind, Caring and Compassionate Care

“My primary turned me down on helping me with some issues because it was "old age" and I needed to learn to cope with it. After research, I found this place with an NP and decided to try it. I love my NP and highly would recommend her to anyone. The video teleahealth is wonderful and I'm on the road to getting back to where I hoped to be. She is kind, compassionate and listens to everything before making the decision for my plan.”

M

Michael C.

US

Oct 2, 2026

Amazing !!

“My provider was friendly , understanding and thorough . She made sure I understood everything she recommended and how/why she recommended it .”

C

Carmen

US

Oct 1, 2026

Convenience and Excellent Provider and Care

“The provider has been amazing with listening and changing my treatment plan as needed. She has been friendly, kind, and clearly knowledgeable. She has been careful to make sure my medications are safe, monitor side effects, ensure they are working as they should, and make sure I have refills as needed. The convenience has just been amazing too!”

E

Erin W.

US

Oct 1, 2026

What made my experience great is that...I feel heard and seen!

“What made my experience great is that they listened to me! I felt heard and seen! My concerns were not dismissed. I was suffering in silence for five years and no one would listen or believe me. The treatment plan put in place for me is changing my life! I am now mending relationships and getting my life back thanks to MIDI Health.”

T

Terri W.

US

Sep 30, 2026

I feel incredibly fortunate to have a...

“I feel incredibly fortunate to have a knowledgeable, thorough, compassionate clinician who listens to me, takes my concerns seriously, and has helped me become much more proactive and up-to-date with my overall health - not just my peri-menopause symptoms!”

J

Jane A.

US

Sep 29, 2026

My health care provider (Holly)...

“My health care provider (Holly) listened to my issues and took the time to explain them and address them. She made sure to provide a treatment that my insurance covers, and I am so happy to have received help. I am already feeling the effects of my treatment and I appreciate it a lot.”

J

Julie H.

US

Sep 29, 2026

My provider

“My provider, Jayne Fortenberry, was kind and very informative! She listened to me and made me feel at ease with the process of starting HRT. I feel so grateful for her! The whole process was seamless!”

C

Candita S.

US

Sep 29, 2026

I was a Person and not just a Patient

“Since going to the doctor on my own as a young adult until 40+, I have never spent more time with a doctor who saw me as a person and who truly heard me. From scheduling to logging off of the appointment was done with ease. My provider got to know me more in my 30 minute visit than my own PCP. She was very thorough, patient, knowledgeable and willing to see me as person and not just the next patient. I know it's crazy to say but I'm actually excited for my next appointment.”

H

Holman

US

Sep 28, 2026

No BS

“There is no re-explaining, no over justifying. My clinician listened, she educated, we discussed, then there was a clear plan with clear check-ins. No BS, just women getting healthcare.”

E

Erin O.

US

Sep 28, 2026

Feeling great!

“My provider was very attentive, listening to my concerns and explaining different treatment options thoroughly, including possible side effects. She is personable and remembers me from one visit to the next. My treatment plan has already alleviated so many of my symptoms. The system is easy to access and use.”

K

Karen M.

US

Sep 28, 2026

Recommend Midi 100%

“Extremely happy with their service, in the short period I have been with them they have helped me substantially recommend them.”

C

Carmen

US

Sep 26, 2026

I was falling apart and was suspicious...

“I was falling apart and was suspicious it was perimenopause- hearing that my horrible dizziness was actually low estrogen was such a relief about a year ago. Since then this journey hasn't been easy but if not for Midi I would have fallen apart. There are so few clinicians caught up about perimenopause. I hope Midi continues the important work it is doing but doesn't let their clinicians get burned out- an army is needed to help the huge gap in care for women!!”

N

Natalie

US

Sep 25, 2026

Midi Health gets it. Highly recommend.

“I recommend Midi Health to anyone I meet that is dealing with symptoms of perimenopause. Tried several other women's health virtual clinics- this is far superior both on ease to work with and their clinical support.”

C

Crosky C.

US

Sep 24, 2026

Finally Heard, Finally Hopeful: My Midi Experience

“For the first time in years - maybe even decades - I finally felt like I was truly being heard by a healthcare provider. My experience with my Midi provider was exceptional. She listened, validated my concerns, and communicated with such authenticity, compassion, and understanding. I never felt rushed, dismissed, or like I had to convince someone that what I was experiencing was real. I left my appointment feeling something I haven't felt in a very long time: hope. Hope that I finally have someone partnering with me to help me feel like myself again. I am so grateful for this experience. Sometimes, simply being heard and knowing someone genuinely cares makes all the difference. For the first time in a long time, I truly believe I'm on the path to getting back to me.”

J

Jennifer B.

US

Sep 24, 2026

Easy to access

“Easy to access, great clinicians and same day prescriptions for my needs.”

J

J. C.

US

Sep 23, 2026

Beyond Grateful

“I was diagnosed with Premature Ovarian Insufficiency (POI) in my mid-30s, but no one ever explained what that meant for my long-term health. Every provider has treated my condition as if POI was just early menopause, and I've spent years feeling exhausted, foggy, and unlike myself. My Midi provider, Tracy Pozar, NP, was the first person to connect all the dots, explain POI as an endocrine condition, and start me on a treatment plan that actually addresses the root cause. For the first time, in a long time, I feel hopeful and truly supported.”

m

mrsdsmith

US

Sep 22, 2026

Ahhhhhhmazing!

“Good goddess, I should have done this years ago! The knowledge, patience, and understanding that my clinician offered was bar none. They were incredibly thorough, patient, kind, fun, treated me like a human, and knew exactly how to get to the bottom of the struggles that I was having. It's only been a handful of days and I already feel like a new person. Thank you, thank you thank you!!”

J

JC

US

Aug 24, 2026

Scheduling a telehealth appointment was refreshingly simple

“The process was straightforward and quick - I was able to book a visit without any hassle or long waits. The clinician I met with was wonderful. She was kind, compassionate, and really took the time to listen and understand what I needed. She clearly knew the issues women face in midlife and approached everything with empathy and practical solutions.”

G

Gina

US

Aug 24, 2026

I have had an exceptional experience

“I would highly recommend their care to any woman navigating peri/menopause. My clinician is knowledgeable, compassionate, thoughtful, and truly takes the time to listen and understand. I felt heard and supported and she took the time to answer my questions and develop a personalized treatment. I never felt rushed or dismissed, which can unfortunately be difficult to find when seeking menopause care.”

S

SD

US

Aug 20, 2026

Highly recommend

“My PA was professional and very thorough. She took time to listen and clearly explained options. She verified my medical history. She answered all my questions demonstrating knowledge and understanding.”

K

Kristyn S.

US

Aug 19, 2026

I felt heard and understood

“I felt heard. My doctor understood my concerns. She was kind and patient and demonstrated real care - I had not felt this from any other outside, local clinician. My exams were ordered within minutes enabling me to have these done same day. Unheard of! Honestly. Best experience ever!”

B

B. J.

US

Aug 19, 2026

My provider is amazing and supportive

“She listens to me and addresses my concerns. She tells me the truth and discusses the pros and cons. I appreciate her so much!”

E

Elizabeth B.

US

May 29, 2026

Heard, Understood and Supported

“As a woman in my early 50s who was surgically induced into menopause more than 10 years ago, I had become exhausted from constantly having to advocate for myself just to get and maintain hormone replacement therapy. Making an appointment with Midi was honestly one of the best decisions I've made for my health. They ordered an extensive panel of bloodwork that helped validate the concerns I had been trying to communicate for years. Instead of dismissing my symptoms, they listened, explained my options, and worked with me to determine what needed to be addressed and how. The follow-up care has also been wonderful. After years of feeling dismissed and, at times, gaslit by clinicians, I finally feel heard, understood, and supported. I'm so grateful to have found a provider that truly listens and takes my concerns seriously. I only wish I had found Midi sooner!”

J

Jessica P.

US

Oct 4, 2026

It's hard to get really personal about...

“It's hard to get really personal about our most intimate health issues over a computer camera. Without the in-person care, it can only be so specific. And the 15-minute time slot constraint can really be felt, especially when one has detailed questions. I often feel I'm not getting all the info or guidance I could get.”

A

Angel D.

US

Sep 25, 2026

Disappointed

“I loved the actual clinical visit. The APRN was warm, friendly, and knowledgeable. My complaint? The communication via the portal. I came to Midi at the end of my rope. I couldn't have made it any clearer about how I was feeling. To write a script that is on back order...Shameful. To basically dangle a carrot in front of a menopausal woman is unkind. I requested an alternative med via the portal. No response. I updated my pharmacy information in my message... That was reviewed and updated. My actual concern? Not so much. I called Midi. I was told by another provider that she would elevate my concerns and make sure the provider reached out. It didn't happen. Very frustrating to know that 2 miles from house, sitting on a pharmacy counter, there's a medication that could help me, but because my provider only wrote for brand name, I couldn't get the generic. I feel very deflated and unheard. I messaged 3 times, called 3 times. Nada. If this relationship is to continue, you all need to do better with your communication.”

L

Laura B.

US

Oct 6, 2026

What a disappointment

“What a disappointment. Stephanie, my provider, listened to my history, then suggested a course of treatment that I said I had already done with low results. I have PMDD and progesterone gives me anxiety, so asked what the thinking is to put me back on it. "That's what we do" and she shut down and stopped talking. The whole expressive tone on her face shifted. I tried to open the conversation back up, but she became defensive and quiet. "Sorry, I don't have an answer for you. I wish you luck on your journey." And that was it. No offer to consult with someone else, refer me to someone more versed in my needs, or get back to me after doing some exploring. Just total shut down. I was not expecting to feel so dismissed by a company started by women for women. But, I have been left feeling rather abandoned. I wish there was a way to contact the company prior to making an appointment to ask if my case is something they have experience with. But there is no availability for that, and no way to choose which provider you see. The only positive is having a virtual visit, and being covered under insurance.”

c

customer

US

Oct 2, 2026

Hidden costs and misleading offers that...

“Hidden costs and misleading offers that this service is covered and in services with my insurance plan. Months later they charged me $250 for a very short Telehealth visit! I believe this is a deliberate attempt to make an apt with them. Higher than a regular Dr visit. STAY AWAY”

E

Esther K.

US

Sep 23, 2026

Avoid like the plague

“Avoid like the plague! They assigned me a Clinician, with zero personality, communication skills or empathy, then charged my insurance company for a "mental health" assessment on top of the cost for the virtual visit. The "mental health" assessment was not mentioned in any of their fees. Also, the Clinician assigned wasn't even credentialed to prescribe BHRT. Convenience does not equal quality!”

D

Debbie C.

US

Sep 21, 2026

No-show clinician, no follow-up, and forced to redo all my paperwork

“I was logged in five minutes before my scheduled appointment with everything completed. No one joined. I emailed support while waiting, and their answer was to refresh my browser and check my camera settings. I called as they suggested, and the person I spoke with couldn't help and said the scheduling team would get back to me. No one ever did. Instead, a new appointment was scheduled for me without anyone checking my availability. When I tried to pick a time that worked, the system made me redo all of my intake paperwork, even though I had already completed it for the original appointment. Midi sent an apology and offered to help me reschedule, but when I tried again, it still required me to redo all of the forms. At that point I decided not to move forward. I was excited to talk to menopause experts, but the missed appointment, lack of follow-through, and repeated paperwork made this a very poor first experience. I'll be finding another provider”

J

Jennifer K.

US

1 / 37

Reviews are individual experiences quoted verbatim from public Trustpilot profiles, names shortened; any weight-loss result mentioned is one person’s and is not typical - results vary. Trustpilot is a trademark of Trustpilot A/S and is not affiliated with this site.

The insurance path: what you actually pay

Midi is in-network with most commercial PPO plans. You upload your insurance card when you register and see whether you are covered. Three lines make up the bill:

  • Visits - billed to your insurer like any specialist visit. Your copay, coinsurance and deductible still apply; Midi's own figure is about $50 out of pocket per visit on average. If you have not met your deductible, you may owe up to $250 for a new-patient visit and up to $150 for a follow-up.
  • Medication - sent to the pharmacy you choose and priced by your pharmacy benefit. Generic estradiol and progesterone are often on lower formulary tiers, but your plan decides.
  • Labs - only if your clinician orders them, billed separately by the lab.

If your plan is an HMO, Midi is not in-network and visits are self-pay. Reviewers notice when a clinician works within their coverage. Julie Harris wrote that her provider "made sure to provide a treatment that my insurance covers, and I am so happy to have received help" (5 stars, Sep 29, 2026).

Without insurance, on Medicare, and the extras

  • Self-pay: $250 for the first visit, $150 for each follow-up. No monthly fee between visits.
  • Medicare: Midi is not covered by Medicare or Medicare-related plans. Medicare beneficiaries can be seen as self-pay patients but cannot submit claims for Midi visits, medications or related services.
  • Medicaid: Midi is not enrolled with state Medicaid programs (including Medi-Cal) and cannot treat Medicaid patients, even as self-pay.
  • Testosterone: prescribed in selected cases and not covered by insurance. Midi puts creams and gels at about $45 for a 30-day supply to $100+ for 90 days, and because it is a controlled substance, extra labs and visits may be needed. It is only offered in some states.
  • Location: Midi treats patients in the United States only.

Self-pay Midi is the most expensive way to start among the providers we rank, but you are paying for something the others do not offer: a scheduled video visit, about 30 minutes, with a menopause-trained nurse practitioner or nurse midwife.

Does Midi Health prescribe testosterone, and what does it cost?

Yes, in selected cases and only in some states. The evidence-supported use of testosterone in women is for postmenopausal low sexual desire that causes distress. Insurance does not cover it at Midi: Midi puts creams and gels at about $45 for a 30-day supply to $100+ for 90 days. Because testosterone is a controlled substance, extra lab tests and visits may be needed, which add to the cost. There is no FDA-approved testosterone product for women in the US, so it is prescribed off-label at carefully adjusted doses. Winona does not prescribe testosterone.

A worked first year at Midi

Illustrative only - these are assumptions, not a quote. We assume one initial visit plus three follow-ups in year one (your clinician may want more or fewer), and we write your pharmacy cost as a variable because it depends on your plan and the products prescribed.

ScenarioVisits, year oneMedicationTotal
In-network, visits at Midi's ~$50 average4 × $50 = $20012 × your monthly pharmacy copay$200 + 12 × copay
In-network, deductible not yet metUp to $250 + 3 × $150 = $700, falling once the deductible is metYour pharmacy costUp to $700 + medication
Self-pay (no insurance, HMO, or Medicare)$250 + 3 × $150 = $700Pharmacy cash price$700 + medication

Example: if your plan's copay for generic estradiol and progesterone came to $15 a month in total, the in-network year would be $200 + $180 = $380. Your real number could be higher or lower; check your plan's specialist copay and formulary before you book.

Midi vs Winona vs Gala on cost

ProviderModelTypical estrogen + progesterone, first yearInsurance
Midi HealthPer visit + your pharmacyAbout $200 in visits + copays if in-network; $700 + medication self-payMost PPO plans; not HMO, Medicare or Medicaid
WinonaMonthly per product, all-inclusiveAbout $1,068 (body cream with progesterone) to $2,256 (patch + capsules)Not billed; HSA/FSA
GalaOne monthly plan, all-inclusiveAbout $828 (pill) to $1,188 (patch)Not billed

With good PPO coverage, Midi is usually the cheapest route on our list, and it is the only one with a live video visit. Without coverage, Gala's flat plan typically costs less than self-pay Midi once medication is added, and Winona costs more but needs no appointment at all. Details in Winona vs Midi Health and Gala vs Midi Health.

Is Midi Health worth it?

Worth it if you have an in-network PPO plan, want a real-time conversation before starting HRT, or have a more complicated history (migraines, clot risk, a cancer history in the family) that benefits from a longer visit. That is what Midi's reviewers praise. "My provider got to know me more in my 30 minute visit than my own PCP," wrote Holman (5 stars, Sep 29, 2026). Erin Woltjen said her provider "has been careful to make sure my medications are safe, monitor side effects, ensure they are working as they should, and make sure I have refills as needed" (5 stars, Oct 1, 2026). Midi's Trustpilot profile shows 4.1 across 1,695 reviews (Oct 4, 2026).

Less worth it if you are on Medicare or an HMO and would pay $250 per first visit plus medication, or if you simply want hormones delivered without scheduling anything; then a flat cash plan from Gala or Winona is simpler. HRT carries real risks - blood clots, stroke and breast-cancer considerations among them - and a licensed clinician decides whether it suits you.

→ Read the full Midi Health review

→ Winona vs Midi Health: cash subscription vs insurance

→ Gala vs Midi Health: flat price vs per-visit billing

Prices are approximate, from Midi's published pricing and help center at our last check; confirm your coverage and current prices with Midi and your insurer. This article is general information, not medical advice.

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Sources & medical references

Treatment facts on this page are grounded in regulatory guidance and peer-reviewed research. Pricing and plan details come from each provider's published information. This content is for information only and is not medical advice - always consult a licensed clinician before starting treatment.

  1. 1.FDA Approves Labeling Changes to Menopausal Hormone Therapy Products - U.S. Food & Drug Administration - February 2026
  2. 2.FDA Requests Labeling Changes to Clarify the Benefit/Risk Considerations for Menopausal Hormone Therapies - U.S. Food & Drug Administration - November 2025
  3. 3.The Women's Health Initiative Randomized Trials and Clinical Practice: A Review - Manson JE et al., JAMA - 2024;331(20):1748-1760
  4. 4.The 2022 hormone therapy position statement of The North American Menopause Society - Menopause (journal), The Menopause Society - 2022;29(7):767-794
  5. 5.The 2023 nonhormone therapy position statement of The North American Menopause Society - Menopause (journal), The Menopause Society - 2023
  6. 6.Menopause: identification and management (NG23, updated November 2024) - National Institute for Health and Care Excellence (NICE)
  7. 7.FDA Update on Estradiol Transdermal Patch Availability - U.S. Food & Drug Administration - 2026
  8. 8.Hormone Therapy for Menopause - patient FAQ - American College of Obstetricians and Gynecologists (ACOG)
  9. 9.Menopause - overview - National Institute on Aging (NIA), NIH