Stella

Stella is a menopause-focused telehealth company founded in the United Kingdom in 2019, where it became one of the leading digital menopause care providers in the National Health Service ecosystem. The company expanded to the United States market with a clinical model shaped by years of operating in a single-payer environment that demanded evidence-based protocols, outcome tracking, and cost-effectiveness — standards that inform how Stella approaches care delivery in the US insurance market. The platform's defining clinical feature is its comprehensive risk screening at intake. Before a patient's first appointment, Stella's digital intake assesses more than 65 risk factors across six domains: vasomotor symptoms (hot flashes, night sweats), genitourinary health (vaginal dryness, urinary symptoms), sleep, mood and cognition, cardiovascular risk, and musculoskeletal/bone health. This breadth reflects a clinical reality that is often missed in symptom-focused menopause consultations: the estrogen decline of perimenopause is a systemic hormonal shift that affects cardiovascular risk, bone density, mental health, and metabolic function simultaneously. By surfacing these dimensions before the first clinical visit, Stella's clinicians can offer a more comprehensive assessment than a standard 15-minute primary care appointment allows. In the United States, Stella has built in-network relationships with Aetna, Anthem, Blue Cross Blue Shield, and United Healthcare, making its specialist consultations accessible at standard copay rates for millions of commercially insured women. For patients whose plans are not in-network, Stella provides detailed superbills, and the platform recommends that patients with out-of-network benefits request reimbursement, citing typical reimbursement rates of up to 80% for out-of-network specialist visits. Stella clinicians can prescribe both hormonal and non-hormonal treatments, including FDA-approved estrogen and progesterone formulations, low-dose SSRIs and SSNRIs for vasomotor symptoms, and evidence-backed non-prescription interventions. The platform explicitly avoids compounded bioidentical hormones without FDA oversight, aligning with the Menopause Society's clinical guidance on HRT safety. Every clinical visit includes a 12-month subscription to the Stella app, which delivers educational content, symptom tracking, and peer community access — a recognition that menopause management benefits from sustained engagement rather than episodic clinical contact. The company expanded to the United States market with a clinical model shaped by years of operating in a single-payer environment that demanded evidence-based protocols, outcome tracking, and cost-effectiveness — standards that inform how Stella approaches care delivery in the US insurance market. The platform's defining clinical feature is its comprehensive risk screening at intake. Before a patient's first appointment, Stella's digital intake assesses more than 65 risk factors across six domains: vasomotor symptoms (hot flashes, night sweats), genitourinary health (vaginal dryness, urinary symptoms), sleep, mood and cognition, cardiovascular risk, and musculoskeletal/bone health. This breadth reflects a clinical reality that is often missed in symptom-focused menopause consultations: the estrogen decline of perimenopause is a systemic hormonal shift that affects cardiovascular risk, bone density, mental health, and metabolic function simultaneously. By surfacing these dimensions before the first clinical visit, Stella's clinicians can offer a more comprehensive assessment than a standard 15-minute primary care appointment allows. In the United States, Stella has built in-network relationships with Aetna, Anthem, Blue Cross Blue Shield, and United Healthcare, making its specialist consultations accessible at standard copay rates for millions of commercially insured women. For patients whose plans are not in-network, Stella provides detailed superbills, and the platform recommends that patients with out-of-network benefits request reimbursement, citing typical reimbursement rates of up to 80% for out-of-network specialist visits. Stella clinicians can prescribe both hormonal and non-hormonal treatments, including FDA-approved estrogen and progesterone formulations, low-dose SSRIs and SSNRIs for vasomotor symptoms, and evidence-backed non-prescription interventions. The platform explicitly avoids compounded bioidentical hormones without FDA oversight, aligning with the Menopause Society's clinical guidance on HRT safety. Every clinical visit includes a 12-month subscription to the Stella app, which delivers educational content, symptom tracking, and peer community access — a recognition that menopause management benefits from sustained engagement rather than episodic clinical contact.

Who it suits

Women in perimenopause or menopause who are commercially insured and want a specialist-level clinical evaluation that goes beyond symptom management to assess cardiovascular risk, bone health, and mental health alongside hormonal changes. Stella is well-suited for patients who want both hormonal and non-hormonal treatment options evaluated by a clinician with menopause-specific training, and who value the option to submit for out-of-network reimbursement if their plan is not in-network. It is not the right fit for patients seeking a low-cost cash-pay subscription, those focused primarily on PCOS or non-menopause hormonal conditions, or patients who prefer an asynchronous-first communication model.

How Stella compares

Stella (US) is closely comparable to Midi Health and Gennev as insurance-accepting menopause telehealth platforms with a focus on clinical rigor. Stella's differentiation lies in its screening depth: before every clinical visit, the platform screens for 65+ menopause risk factors across cardiovascular, bone, mental health, and hormonal domains, giving clinicians a more comprehensive baseline than a standard symptom checklist. Stella was founded in the UK, where it has been operating since 2019, and brought its clinical model to the US market with an established evidence base. Compared to Winona or Evernow (cash-pay subscription platforms), Stella accepts insurance and positions visits as specialist consultations rather than wellness subscriptions, which aligns with how most commercially insured patients access specialty care.

Care offered

• Hormone Therapy (HRT/TRT)
• Women's Health

Included

• Initial Evaluation & Diagnosis
• Medication Management
• Health Coaching

Convenience

• App-Based Care

Cost

Pricing not confirmed. Check Stella's website for current prices.

Stella is in-network with Aetna, Anthem, Blue Cross Blue Shield, and United Healthcare; the average in-network copay is $45 per visit, though costs vary by plan and deductible status. Out-of-network patients pay $200 for an initial visit and $90 for follow-up visits; patients with out-of-network benefits can submit for up to 80% reimbursement using a Stella-provided superbill. Stella is HSA/FSA eligible. Prescription costs are separate and depend on the patient's pharmacy benefit or retail pharmacy pricing.

Insurance

Self-pay accepted (insurance not confirmed)

States served by telehealth

12 states

• TX
• CA
• FL
• NY
• GA
• TN
• CO
• WA
• IL
• OH
• PA
• AZ

Telehealth providers must be licensed in the state where you are during the visit.

How to start

Visit us.onstella.com and enter your state and insurance plan name to check in-network eligibility; after confirming coverage and costs, create an account, complete the symptom screening, and select from available appointment times with a Stella clinician. Most patients can book within one to two weeks of sign-up.