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Insurance Coverage
We're working to bring kindr Health into your insurance network. Until then — no insurance needed, no referrals required, and your HSA or FSA card works today.
Be notified the moment your insurance plan is accepted at Kindr.
All Kindr plans are HSA and FSA eligible. Pay with pre-tax dollars and reduce your real cost by 22-35% depending on your tax bracket.
Learn more about HSA/FSA →Kindr's self-pay model was designed to be more affordable than most insurance copays + deductibles combined. Essential plan: $79/month — medications, shipping, and provider care all included. No surprise bills. No prior authorizations. No claims denials.
What you see is what you pay. $79, $119, or $179 per month. Medications included. Free shipping. Cancel anytime. No hidden fees. We built our pricing to be better than insurance — not dependent on it.
See our plans →Self-pay with HSA/FSA support. Serving patients across all 50 states. Building the clinical outcomes data that insurance companies require for credentialing.
NC Blue Cross Blue Shield credentialing. North Carolina first — our home state — where we have the deepest provider network and patient base.
Additional commercial insurers in NC. Aetna, Cigna, UnitedHealthcare. Replicating in high-volume states: TX, FL, CA, GA, NY, IL.
Full multi-state insurance network with the major commercial carriers. Kindr menopause care covered wherever you are.
We don't have a specific date for each phase — but we're working toward them with urgency. The waitlist above helps us prioritize by insurer and state.
Not yet. Kindr currently operates as a self-pay telehealth platform. We accept HSA and FSA cards, which function like insurance for tax purposes. We are actively working toward commercial insurance acceptance.
This is the most important question. Most commercial insurance plans do not cover compounded medications — including compounded estradiol, progesterone, and testosterone. When Kindr accepts insurance, we will provide both compounded options (self-pay) and FDA-approved commercial HRT options (insurance-covered) so patients can choose the right path for them.
Medicare covers certain telehealth services and some FDA-approved hormone medications. It does not cover compounded medications. Medicare coverage for Kindr is part of our long-term roadmap. Join the waitlist above to be notified.
Medicaid coverage for menopause care and HRT varies significantly by state. NC Medicaid Managed Care covers some hormone therapies. We are evaluating Medicaid pathways as part of our insurance expansion roadmap.
Honest answer: insurance credentialing takes 90-180 days per insurer, requires significant administrative infrastructure, and the reimbursement rates for telehealth visits are often lower than our self-pay pricing. We built Kindr's self-pay model to be genuinely more affordable than the typical insurance + copay + deductible experience. For most patients, $79/month with medications included is less expensive than using insurance. But we understand insurance is important to many women — and we're coming.
Some PPO insurance plans allow out-of-network reimbursement for telehealth services. Kindr can provide a detailed receipt (superbill) that you can submit to your insurance for potential partial reimbursement. Contact support@kindr.health to request a superbill for your visits.
If your insurance plan offers out-of-network benefits, you may be able to submit a superbill from Kindr for partial reimbursement. A superbill is an itemized receipt with the billing codes your insurance company needs to process a claim.
We cannot guarantee reimbursement — that depends entirely on your specific plan. But we can give you the documentation to try.
Email support@kindr.health with the subject line "Superbill Request" and your account name. We will send your itemized superbill within 3 business days.
Note: Compounded medications are typically not reimbursable through insurance regardless of out-of-network benefits. The provider visit component is most likely to qualify.
$79/month. Medications included. HSA and FSA accepted. Cancel anytime. Board-certified providers within 24 hours.