Midi Health vs Alloy: Which Online HRT Provider Fits You? (2026)
A side-by-side of what Midi Health and Alloypublish: price, first charge, a year's cost, labs, commitment and the catch. Prices checked Oct 7, 2026. Neither company reviewed or approved this comparison.
By CalcMyPeptide Editorial · Published · Prices checked · How we rank
30-second verdict
Pick Midi Health for using insurance for menopause-specialist visits. Pick Alloy for FDA-approved estradiol at a low cash price. Alloy scores higher on our rubric (6.0 vs 6.6).
Midi Health vs Alloy side by side
| Factor | Midi Health | Alloy |
|---|---|---|
| What they offer | Menopause/perimenopause care: estradiol, progesterone, estradiol cream, non-hormonal options; GLP-1s; Metabolic, thyroid and B12 labs | FDA-approved estradiol: pill, gel, patch, vaginal cream, Evamist spray; Progesterone; GLP-1 weight care |
| Lowest-cost menopause HRT plan | Self-pay visits | Estradiol pill (shipped and billed every 3 months) |
| Monthly (plan price) | not published | $39.99 |
| First charge | $250 | $168.97 |
| 12-month cost | not published | $528.88 |
| Minimum term | not published | 3 months |
| Labs | Targeted labs when recommended, billed separately (insurance may cover). | Not required on the pages read. |
| Prescribers | Board-certified clinicians trained in women's health (NPs, MDs, NAMS-certified). | Board-certified, menopause-trained medical doctors (Menopause Society/ACOG protocols). |
| Insurance / HSA | In-network with most major insurance (mostly PPO). HSA/FSA OK. Medicare is out-of-network (self-pay allowed). | Does not accept insurance. HSA/FSA accepted. |
| Commitment | None (per visit). | 3-month supplies. |
| Cancellation and refunds | Not stated on the pages read. | Not stated on the pages read. |
| States | All 50 states. | All 50 states + DC. |
| The catch | Self-pay visits are $250 first and $150 after, with medication extra. | Billed quarterly, and the patch price conflicts on Alloy's own page ($100 vs $74.99). |
| Our score | 6.0/10 | 6.6/10 |
| Checked | Prices checked Oct 7, 2026 · source | Prices checked Oct 7, 2026 · source |
| Next step | Check Midi Health's plans and pricing on its site → | Check Alloy's plans and pricing on its site → |
Your cost with each
| Provider | Plan | Monthly | First charge | First 90 days | 12-month | Minimum term | Not included / assumptions | Checked |
|---|---|---|---|---|---|---|---|---|
| Alloy | Estradiol pill (shipped and billed every 3 months)Includes: Unlimited doctor messaging | $39.99 | $168.97 | $168.97 | $528.88 | 3 months | Progesterone, if needed (priced separately; not captured) | Prices checked Oct 7, 2026 · source |
| Alloy | Estradiol patch (billed every 3 months)Includes: Unlimited doctor messaging | $100 | $349 | $349 | $1,249 | 3 months | Progesterone, if needed (priced separately; not captured) Alloy's page source also shows $74.99/mo for the patch; we use the $100/mo shown on the page. | Prices checked Oct 7, 2026 · source |
| Midi Health | Self-pay visitsCare fee only; medication paid separately | not published | $250 | not published | not published | not published | Returning visits $150 each (how often is not published) Prescriptions and labs (billed separately) | Prices checked Oct 7, 2026 · source |
First charge = one-time fees plus the first billing block. First 90 days = cash paid on the provider's billing calendar. 12-month = one-time fees + 12 months of the plan price + scheduled extras (like follow-up labs). "not published" means the provider's own pages don't say; we never fill the gap with a guess. Full math: methodology.
If you want the lowest year-one cash cost
Not enough published prices to call it.
If you want to use insurance
Midi Health: In-network with most major insurance (mostly PPO). HSA/FSA OK. Medicare is out-of-network (self-pay allowed). Alloy: Does not accept insurance. HSA/FSA accepted.
If you want FDA-approved medication
Midi Health offers: Menopause/perimenopause care: estradiol, progesterone, estradiol cream, non-hormonal options. Alloy offers: FDA-approved estradiol: pill, gel, patch, vaginal cream, Evamist spray.
Pros and cons
Midi Health
Pros
- Takes insurance
- All 50 states
- Menopause-trained clinicians
Cons
- Self-pay visits are expensive ($250 first)
- Trustpilot 4.1 (~2K reviews, seen in Trustpilot related box)
Alloy
Pros
- FDA-approved products
- Low entry price
- All 50 states
- Trustpilot 4.3 (4,007 reviews)
Cons
- Patch price conflict on page ($100 vs $74.99)
- Billed quarterly
FAQ
Is Midi Health or Alloy cheaper?
One of them doesn't publish enough prices for a 12-month figure. See the table for what each does publish (checked Oct 7, 2026).
Which has the higher score, Midi Health or Alloy?
Alloy scores higher on our rubric (6.0 vs 6.6 out of 10 for Midi Health and Alloy). The score is a weighted checklist of what each publishes, not a test of outcomes.
Do Midi Health and Alloy require labs?
Midi Health: Targeted labs when recommended, billed separately (insurance may cover). Alloy: Not required on the pages read.
Can I switch from Midi Health to Alloy?
Yes, but check the minimum term and refund rules first. Midi Health: Not stated on the pages read. Alloy: Not stated on the pages read.
Related comparisons
Sources
Provider facts come from each provider's own pages, read Oct 7, 2026. Regulatory lines link to the primary source.
- Midi Health: joinmidi.com, joinmidi.com/pricing-insurance, joinmidi.com/menopause
- Alloy: myalloy.com, myalloy.com/faq, myalloy.com/solutions/estradiol-pill, myalloy.com/solutions/estradiol-patch
- FDA (Nov 10, 2025): initiating removal of boxed warnings from menopausal HRT labels
- The Menopause Society: 2022 hormone therapy position statement