Insurance vs Results: What You’re Really Paying For
Insurance Co-Pays Can Add Up
Many insurance plans require co-pays for each visit, lab test, and medication refill. Over time, these costs can add up, making our predictable pricing model more cost-effective. Our membership-based approach includes ongoing care and adjustments, which could exceed standard co-pays if done through traditional insurance-covered providers.
Medication Differences: Bioidentical vs. Synthetic Hormones
At Fem Excel, we specialize in bioidentical hormones that more closely match your body’s natural chemistry. They’re safer, better tolerated, and work with your body—not against it. Even if a traditional doctor does prescribe bioidentical hormones, the out-of-pocket cost is often comparable to our membership—without the added benefits of ongoing support and optimization.
Additional Considerations
Most traditional providers are not specially trained in hormone therapy. PCPs and even OB/GYNs often have limited training in functional or hormone-based care, meaning they may rely on outdated or oversimplified protocols. Our providers are trained specifically in hormone optimization for women—and it’s what they do every day.
Ongoing Care vs. One-Time Prescriptions
Insurance Focuses on “Normalization,” Not Optimization
Cost Comparison: Insurance vs. Our Membership
Best value
Expense
Traditional Insurance
(multiple visits required)
(varies by insurance)
(60-day support)
(requires new appointments)
(Insurance-Covered)
(Typically Not Covered by Insurance)
on average
(varies depending on visits,
tests, and medications)
Bottom Line
Even though we don’t take insurance, we provide a higher level of care, a more personalized approach, and bioidentical hormones that insurance rarely covers. Plus, our membership model often costs the same or less than what you might end up paying through insurance once all visits, lab tests, and medication costs are factored in.
Need more details? Call Member Support at (833) 625-3392, Monday–Saturday, 8 AM – 8 PM EST. We’re happy to help!
