Winona facts checked October 18, 2026.
No, Winona doesn’t take insurance. You pay a monthly price for each medication, and you can use HSA or FSA funds. Winona also doesn’t offer testosterone. If you want a Winona alternative that does both, Amazing Meds bills your visits and labs to insurance and prescribes testosterone in all 50 states.
Want to know what your plan covers? Book a free consultation and our care team will check it for you.
What Winona can’t do for you
Every point below is from Winona’s website as it read in October 2026.
- No insurance billing. Winona doesn’t work with insurance companies. You pay a monthly price per medication, though HSA and FSA funds work.
- No testosterone. Its product list has estrogen, progesterone, vaginal estrogen and DHEA. Testosterone isn’t on it.
- No bloodwork. Winona doesn’t order labs. That’s often fine for starting estrogen, but if you want your hormone levels checked, Winona can’t do it.
- No care in 13 states. Winona serves 37 states plus Puerto Rico. If you live in Alabama, Kansas, Louisiana or Utah, it can’t treat you.
How you pay at each clinic
The two clinics charge in different ways, so which one costs less depends on your plan. For how coverage works for hormone care in general, see does insurance cover testosterone for women?
Winona charges one monthly price per medication, with the doctor and shipping built in. It doesn’t bill insurance, so your deductible and copay don’t come into it.
Amazing Meds has separate parts:
- Provider visits: billed to your insurance, or $185 for the first and $140 for each follow-up without insurance
- Labs: billed to your insurance
- Medication: self-pay, paid when you order it
- Membership: none, and no monthly or annual fee
At a glance
| Comparison | Winona | Amazing Meds |
|---|---|---|
| Bills insurance | No; HSA and FSA eligible | Yes, for provider visits and labs |
| Testosterone | Not offered (DHEA is) | Cream or a weekly shot; oral only in rare cases |
| Labs | Not required | Required before testosterone; estrogen and progesterone can start at a low dose first |
| How you start | Online questionnaire, no video call | Free care team call, labs, then a telehealth provider visit |
| Ongoing care | Unlimited doctor messaging; check-in at 10 weeks | Regular provider check-ins; care team messaging |
| Membership fee | None | None |
| States | 37 plus Puerto Rico | All 50 |
Winona details come from its homepage, product list and states page, checked October 18, 2026.
Which clinic fits you
Winona may fit if you:
- Want a plan fast. Winona says you’ll have one within 24 hours, with medication within a week.
- Want one monthly price with the doctor and shipping included
- Want to start estrogen or progesterone without labs or a video call
- Like unlimited messaging with your doctor
Amazing Meds fits better if you:
- Want testosterone, as a cream or a small weekly shot
- Want visits and labs billed to insurance, including TRICARE
- Want your dose set and checked with labs
- Live in one of the 13 states Winona doesn’t serve
- Want your costs checked on a free call before you commit
If testosterone or insurance billing matters to you, we’re the stronger choice. If you only want estrogen or progesterone quickly and never want to deal with insurance, Winona may be the simpler fit.
When labs matter
For estrogen and progesterone, you often don’t need labs first. Winona cites The Menopause Society and ACOG on this, and I agree, because hormone levels swing so much in perimenopause that one blood test tells you little. We’re comfortable starting a low dose and checking as we go.
Testosterone is another matter. The guideline calls for a baseline level before you start and a recheck three to six weeks in, and we also look at free testosterone and SHBG, since the total number alone can mislead. I wouldn’t prescribe testosterone without labs.
The testosterone gap
Winona offers DHEA, a hormone your body can convert into small amounts of testosterone and estrogen. It isn’t a substitute for prescribed testosterone, and without labs there’s no testosterone level to dose against.
Testosterone’s best-studied benefit for women is low desire. Beyond that, our patients most often mention steadier energy and clearer thinking once their dose is right. Those are patient reports, not promises, and every woman responds differently.
We discuss cream and a small weekly injection as options from the start, based on your preferences and your provider’s assessment. Many women start with cream and later prefer injections, and some start with injections right away. Oral testosterone is rarely used. I compare the options in testosterone cream vs injections for women.
Weighing Midi too? It offers testosterone as a cream only, in 24 states plus DC. See our Midi Health alternative for testosterone comparison.
Book a free consultation. Not sure where to start? Begin with a free call. Here is how it works at Amazing Meds.
- Free consultation. Our care team sees if we can help, answers your questions, and verifies your insurance.
- Labs. If you want to move forward, we book your lab work on that same call, at a lab near you. Labs are billed to your insurance.
- Provider visit. We book your visit to go over your results and your options. Visits are billed to your insurance.
We work with Aetna, Cigna, TRICARE, Blue Cross Blue Shield, UnitedHealthcare and other major plans, and we treat patients by telehealth in all 50 states. Medication is self-pay.
Common questions
Can I use HSA or FSA funds at Winona? Yes. Winona says its medications are HSA and FSA eligible.
Does Winona prescribe testosterone? Its current product list doesn’t include it. Winona offers DHEA instead.
Is there a Winona alternative that takes insurance? Yes. Amazing Meds bills provider visits and labs to Aetna, Cigna, TRICARE, Blue Cross Blue Shield, UnitedHealthcare and other major plans. Medication is self-pay.
Can I get estrogen from Winona and testosterone from you? You can. Tell both prescribers everything you take, and share your labs with both.
Do you take Medicare? No. We don’t accept Medicare or Medicaid.
Have your coverage checked before you commit. Book a free consultation.
Related reading
- Testosterone cream vs injections for women
- How to get testosterone prescribed as a woman
- Does insurance cover testosterone for women?
- BHRT vs HRT
- Midi vs Amazing Meds for testosterone
Sources
- Winona homepage and FAQ, checked October 18, 2026
- Winona: All products and prices, checked October 18, 2026
- Winona: States served, checked October 18, 2026
- ISSWSH clinical practice guideline on systemic testosterone for women, 2021
Facts about Winona come from its public website as of October 18, 2026, and may change. Patient experiences described here are what our own patients report and are not a guarantee of results. This article is for education and is not personal medical advice. A consultation does not guarantee a prescription.