Find your in-network telehealth providers

What the Coverage Checker does

The Coverage Checker answers two things at once: what a typical plan from a given US insurance carrier tends to do with a hormonal-health treatment category, and which telehealth providers listed on clearhormones.com serve your state and accept insurance. You make three picks — carrier, condition, and state — and it returns one coverage label for that carrier-and-condition pair plus a short list of providers filtered to your state. It does not check whether any specific provider is contracted with your specific plan. No login, no policy number, no claim sent to your insurer.

The three conditions are HRT / menopause (estradiol, progesterone, testosterone), GLP-1 weight management (semaglutide, tirzepatide, liraglutide), and PCOS care (metformin, spironolactone, inositol). The insurance options are six national carriers — Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, Kaiser Permanente, and Humana — plus a self-pay / uninsured path that switches the coverage label to cash-pay and drops the insurance filter on providers.

The coverage label comes from a fixed table built into the tool. Across those six carriers the table marks HRT in-network for every one, GLP-1 for weight as prior-authorization-required for five of the six (in-network only for Kaiser Permanente), and PCOS care in-network for four with partial coverage flagged for Cigna and Humana. When the label is 'PA required,' the tool also shows that carrier's general prior-authorization process, such as the portal used and a typical turnaround window.

How to read your result

Read the coverage badge as a starting assumption, not a benefits determination. The labels are In-network, Partial, PA required, Not covered, and Cash-pay. Each describes what the tool's built-in table says a typical plan from that carrier tends to do with that category. Your actual policy, state, and plan tier can differ, which is exactly why a 'PA required' result carries the carrier's process rather than a simple yes or no.

The provider list is drawn from the site's own database, filtered to providers marked active, available in your state, and (unless you chose self-pay) flagged as accepting insurance. It is ordered by the site's editorial score, shown as a value out of 100. Each card shows a starting monthly price where one is on file, or 'Pricing varies' where it isn't, so the number you see is each provider's entry price, not a personalized quote.

Use the result to shorten your own call list. Take the coverage label and the provider names into a conversation with a prescriber or your insurer's member line, and confirm the specifics before you commit. The 'Check' and 'Compare' links are navigational: they point to provider pages, not to a checkout.

What the result is based on

Everything the badge shows is a lookup, not a prediction. The tool matches your carrier and condition against a hardcoded coverage table of six insurers and three conditions, with a self-pay fallback. There is no model, no live connection to your insurer, and no reading of your individual plan documents.

The provider matches are a filtered query of the clearhormones.com database — active status, availability in your state, and an insurance-accepted flag — ordered by the site's editorial score, with starting prices taken from each provider's own listing. clearhormones.com is affiliate-supported and does not sell, prescribe, or bill insurance.

What it cannot tell you

• It carries six carriers only. Any plan outside Blue Cross Blue Shield, Aetna, Cigna, UnitedHealthcare, Kaiser Permanente, or Humana gets no coverage label, so the self-pay path is your only option there.
• It checks one condition at a time. You cannot combine HRT and GLP-1 in a single result; the tool asks you to pick a single focus.
• Coverage labels are carrier-level generalizations keyed only to the carrier and the condition category. They do not read your plan tier, employer group, formulary, or the state you selected — the tool applies the same label no matter which state you pick, even though real coverage varies by state and plan.
• It does not verify eligibility, deductibles, copays, or prior-auth outcomes, and the provider list filters only on whether a provider is flagged as accepting insurance at all — not whether it is contracted with the carrier you chose. A 'PA required' label describes a typical process, not whether your specific request would be approved.
• The prices shown are each provider's starting monthly rate or 'Pricing varies.' There is no personalized total that reflects your insurance, dose, or visit fees.
• Thyroid coverage exists in the underlying data but is not one of the three conditions you can select in the wizard.