3 Ways to Slash Your Hormone Costs
The average woman spends more on hormone therapy each year than all those streaming services combined. And we both know which one you actually need.
INSIDE THIS ISSUE
Learn EXACTLY why those sneaky insurance loopholes are snatching money from your retirement (and trust, I know precisely how to handle those exclusion clauses)
Discover my PROVEN top three pharmacy hacks that can cut your prescription costs in half
See the HIDDEN way compound pharmacies might be the financial blessing you've been praying for
INSURANCE BATTLE STRATEGIES: Winning the Coverage War
Let me tell you something—insurance companies are playing games with policy exclusions and formulary restrictions. They're counting on you not noticing that bioidentical hormones are conveniently left off their "approved" list. Meanwhile, they'll cover synthetic options that might give you side effects. Make no mistake, that's by design.
Before you pull out your credit card:
Request your policy's FULL formulary and exclusion list—highlight every hormone treatment they exclude
Get a detailed formulary exception letter that directly addresses each exclusion with medical necessity language
When appealing denials, cite specific medical studies showing why you need that particular formulation (they're counting on you giving up after the first "no"—don't give them that satisfaction)
Request a peer-to-peer review where your doctor speaks directly with the insurance medical director—sometimes all it takes is a medical professional speaking their language
Direct. Specific. Persistent. That's how we handle these insurance companies. They've built their business model on your silence. Break it.
MONEY-SAVING PHARMACY HACKS: Three Strategies That Work
HACK #1: Price Shopping The same hormone prescription can vary by up to 80% between pharmacies. Call for the cash price even when you have insurance—sometimes it's cheaper!
HACK #2: Split Pills Talk to your doctor about prescribing double-strength pills you can split. You're stretching those dollars by getting two months for the price of one.
HACK #3: Manufacturer Programs Brand-name hormone treatments often have savings cards. These programs can reduce your cost to as little as $10 per month.
And hear me when I say this: The most expensive option isn't always doing the most for your body or your bank account.
COMPOUND PHARMACY: The Personalized Alternative
Compound pharmacies create custom-formulated hormones specifically for YOUR body. Not some one-size-fits-all pill that Big Pharma pushes. We're talking personalized medicine.
Let me tell you something important—compounded medications are not FDA-approved. But that doesn't mean you should avoid them. Look for pharmacies with The Gold Seal of Approval® from The Joint Commission and PCAB (Pharmacy Compounding Accreditation Board) accreditation. These are marks of quality that demonstrate the pharmacy meets the highest industry standards and complies with United States Pharmacopeia (USP) requirements.
The financial blessing happens three ways:
They can create exact dosages your body needs—no paying for medicine that's stronger than necessary
They make combination formulations—instead of three separate prescriptions with three separate copays
They offer alternate delivery methods when the commercial options aren't covered—like creams instead of patches or troches instead of pills
One thing that unites our experiences is we often don't ask about these options because we don't know they exist. Now you do.
JOIN OUR COMMUNITY
I need three bold women ready to share their HRT financial journey. Your story matters. Your financial wisdom matters. And most importantly, your hormonal and financial wellbeing matter—to all of us.