Alloy vs Midi Health
Both platforms are menopause-specialist telehealth clinics — the meaningful consumer decision is payment model. Alloy is direct-to-consumer cash-pay; Midi Health bills commercial insurance and is in-network with major payers.
At a glance
| Aspect | Alloy Women's Health | Midi Health |
|---|---|---|
| Clinician specialty | Menopause Society-certified clinicians; medical advisory board disclosed on public team page. | Menopause-Certified (NCMP) clinicians on the public clinician page. |
| Payment model | Direct-to-consumer cash-pay membership starting at $49/mo. | Bills commercial insurance for the visit; in-network with Aetna, Cigna, UHC, BCBS, Elevance per Midi's insurance page. |
| Membership required | Yes — membership-based access. | No membership; insurance-billed visits. |
| Prescription scope | HRT and adjuvants; medication fulfillment via partner pharmacies. | HRT + non-hormonal Rx; medications filled at member's pharmacy. |
| HSA / FSA | Eligible. | Eligible where applicable. |
| State availability | Multi-state; verified at intake. | 50-state availability advertised. |
| Follow-up model | Clinical-consult-led with ongoing follow-up under the membership. | Insurance-billed follow-up visits with the same clinician network. |
- You prefer cash-pay membership over insurance-billed visits — no benefits check, no copay uncertainty.
- You want a Menopause Society-certified clinician with a disclosed medical advisory board.
- You are comfortable paying membership for coordinated ongoing follow-up.
- You want to use your commercial insurance for the visit (Aetna, Cigna, UHC, BCBS, or Elevance).
- You prefer NCMP-certified clinicians with 50-state availability advertised.
- You want an insurance-billed visit model without a monthly membership fee.
Things to consider
- HRT eligibility, medication selection, and dosing are determined by a licensed clinician based on individual medical history — do not assume you qualify without clinical evaluation.
- Insurance-billed visits (Midi Health) still involve deductibles, copays, and out-of-network scenarios — confirm benefits before your first visit.
- Cash-pay membership (Alloy) is predictable but does not benefit from insurance-negotiated pricing.
- Both providers can change formulary and state availability over time — verify at intake.
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Frequently asked questions
Which provider accepts insurance?
Midi Health is in-network with Aetna, Cigna, UnitedHealthcare, Blue Cross Blue Shield, and Elevance per its public insurance page. Alloy is direct-to-consumer cash-pay for the membership; medications can be filled at your pharmacy using insurance separately.
What is NCMP certification?
NCMP stands for NAMS Certified Menopause Practitioner — a credential from The Menopause Society (formerly NAMS) that signals specialized training in menopause care. Midi Health publishes NCMP-certified clinicians on its team page.
Does Alloy require a monthly membership?
Yes — Alloy's model is membership-based, starting at $49/mo on the public plans page. Midi Health does not require a membership; visits are billed to commercial insurance.
Can either provider prescribe non-hormonal menopause therapies?
Both platforms document HRT and adjacent therapies. Midi Health specifically publishes HRT + non-hormonal Rx scope; Alloy documents HRT and adjuvants. Confirm the specific therapy you want with each provider before enrolling.