It comes down to one question: do you have insurance you can use? With a commercial PPO plan that Midi is in network with, Midi is usually the better fit: live video visits billed to your plan (about $50 a visit on average, Midi says), FDA-approved hormone therapy, testosterone cream in 25 states and GLP-1s. With no usable insurance, Alloy usually costs less to start: a $49 one-time consult, FDA-approved estradiol from $39.99 a month, and messaging with a doctor instead of video. Neither one bills Medicare or Medicaid. Price checked Oct 25, 2026 · joinmidi.zendesk.com; Oct 25, 2026 · myalloy.com · myalloy.com page 2
Last updated: 2026-09-29 · First published: 2026-09-29 · Prices from joinmidi.com and myalloy.com; each shows the day it was last checked
Pick by insurance first, then by how you want to be seen.
Best if you have commercial insurance and want live video visits with a clinician.
Visit Midi Health ↗Best if you have no insurance to use and want low, posted prices for FDA-approved hormone therapy without a video visit.
Visit Alloy ↗| Midi Health | Alloy | |
|---|---|---|
| Insurance | In network with most commercial PPO plans. Medicare only as self-pay; no Medicaid | None (HSA/FSA accepted) |
| To start, cash | $250 first visit (30 min) Price checked Oct 25, 2026 · joinmidi.com | $49 one-time consult Price checked Oct 25, 2026 · myalloy.com |
| After that | $150 per follow-up visit cash; no membership. Prescriptions and labs billed separately Price checked Oct 25, 2026 · joinmidi.com | Pay per prescription: estradiol pill from $39.99 a month, progesterone from $23, patch or gel more Price checked Oct 25, 2026 · myalloy.com |
| How you are seen | Live video | Online questionnaire, then messaging with a doctor (answers within two business days) |
| Hormone therapy | FDA-approved pill, patch, ring, cream or gel; also compounded estradiol and progesterone ("Custom Rx") | FDA-approved estradiol pill, patch, gel, spray and vaginal cream; progesterone |
| Non-hormonal | Gabapentin named | Paroxetine |
| Testosterone | Compounded cream, 25 states | No |
| GLP-1s | Brand-name to your pharmacy, and compounded (from $164 per 4 weeks) Price checked Oct 25, 2026 · joinmidi.com | Brand-name (Zepbound from $299) and compounded (semaglutide $70 a month), with a $99 monthly program fee Last known price, Oct 7, 2026 — may have changed · confirm on LillyDirect; Oct 25, 2026 · myalloy.com |
| States | All 50 | All 50 + DC |
Checked Sep 29, 2026 on each company's own pages: Midi pricing and insurance, HRT, testosterone, GLP-1 pricing; Alloy FAQ, consult, prices, compounded products. Compounded products have no FDA approval.
No. Alloy's FAQ says it does not accept insurance; you pay $49 for the consult and then the posted price of each prescription. Many people get prescriptions reimbursed through their plan or pay with an HSA or FSA, Alloy says, but that depends on your plan. Price checked Oct 25, 2026 · myalloy.com
Midi is the insurance option of the two: it is in network with most, though not all, major PPO plans, and says most patients pay about $50 out of pocket per visit with insurance. Check your own plan in Midi's booking flow before the first visit. Price checked Oct 25, 2026 · joinmidi.zendesk.com
Not as insurance. Midi's pricing page says Medicare is out of network and Medicare patients are welcome as self-pay ($250 first visit, $150 follow-up). It does not accept Medicaid or Medi-Cal. Alloy takes no insurance of any kind, so on Medicare or Medicaid both are cash services. Price checked Oct 25, 2026 · joinmidi.com
Midi does, as a compounded testosterone cream in 25 states, from $100 for 90 days; it does not offer pellets. Alloy's own blog says its physicians do not prescribe testosterone because it is a controlled substance. Price checked Oct 25, 2026 · joinmidi.com
Yes, from both. Midi prescribes brand-name GLP-1s to the pharmacy you choose and sells compounded versions from $164 per 4-week supply. Alloy's weight program adds a $99 monthly fee on top of the medication: brand Zepbound from $299 through LillyDirect, or compounded semaglutide at $70 a month. Compounded GLP-1s have no FDA approval. What the research says about hormone therapy and a GLP-1 together is on the menopause and weight evidence page. Price checked Oct 25, 2026 · joinmidi.com; Oct 25, 2026 · myalloy.com; Last known price, Oct 7, 2026 — may have changed · confirm on LillyDirect
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