Trying to choose between FOLX Health and Plume Clinic? Both offer virtual gender-affirming care, but the way pricing works is different.
FOLX uses a lower membership fee, with visits, labs, and medications billed separately. FOLX membership is $43.99/month or $349/year when paid annually.
Plume uses a higher bundled membership model. According to Plume’s published pricing, Plume Full Membership costs $99/month, $449 every six months, or $749/year. Plume’s membership includes visits and labs in most states, but prescriptions are not included.
The right choice may depend on how often you expect to need visits, whether you want to use insurance, what medications you take, where you live, and whether you want care beyond gender-affirming hormone therapy.
Pricing last reviewed: June 2026. Prices can change, so check current pricing before starting care.
FOLX vs. Plume: the quick comparison
FOLX Health
Membership:
$43.99/month or $349/year when paid annually
Visits:
Billed separately, or covered by insurance when eligible
Out-of-pocket visit pricing:
Initial clinician visit: $159
Follow-up clinician visit: $79
Labs:
Basic GAHT labs are typically $29–$47 with FOLX discounted rates, or may be billed to insurance
Medications:
Billed separately. Members may be able to use the FOLX partner pharmacy, a local pharmacy, insurance, or pharmacy discounts.
Insurance:
FOLX accepts insurance for eligible services, depending on your plan and location.
Care scope:
FOLX offers gender-affirming hormone therapy, primary care, sexual and reproductive health, mental health care, therapy where available, fertility and family-building support, menopause and perimenopause care, labs, prescriptions, referrals, and care navigation.
Plume Clinic
Membership:
$99/month, $449 every six months, or $749/year for Plume Full Membership
Visits:
Included in Full Membership
Labs:
Included in most states, with some state exceptions
Medications:
Billed separately. Prescriptions are not included in membership.
Insurance:
Plume announced that its insurance-based membership ended on December 31, 2025.
Care scope:
Plume offers gender-affirming care, everyday wellness, mental health care, sexual health care, and community support.
How FOLX pricing works
FOLX membership is $43.99/month or $349/year when paid annually. Membership gives you access to LGBTQIA+ specialized clinicians, secure messaging, care navigation, the FOLX member portal, community resources, and support managing your care.
Visits, labs, and medications are billed separately. That means you pay for clinical services when you need them instead of paying a higher bundled monthly fee every month.
Common FOLX costs include:
Monthly membership:
$43.99/month
Annual membership:
$349/year
Initial clinician visit, cash pay:
$159
Follow-up clinician visit, cash pay:
$79
Basic GAHT labs:
$29–$47 with FOLX discounted rates
Therapy visit, where available:
$139
Medications:
Varies by medication, dose, pharmacy, insurance, and location
Some members can use insurance for visits, labs, medications, or select membership costs, depending on their plan and location. Learn more about how pricing works at FOLX and how insurance works at FOLX.
How Plume pricing works
Plume Clinic uses a bundled membership model. According to Plume’s published pricing, Plume Full Membership costs:
Monthly Full Membership:
$99/month
Semi-annual Full Membership:
$449 every 6 months
Annual Full Membership:
$749/year
Community Membership:
$5/month. This does not include clinical care.
Letter of support for non-members:
$150 one-time fee
Prescriptions:
Not included
Plume’s Full Membership includes provider visits, lab orders and analysis, related labs in most states, care team support, community programming, and access to Plume’s Prism community.
Plume says members can schedule up to five visits per month. For people who want frequent appointments, that can make the monthly cost more predictable.
However, prescription costs are not included. Members still pay for medications separately through their pharmacy, discount program, insurance, or Plume’s delivery pharmacy.
Plume lab exceptions by state
Plume says labs are included in most states, but there are exceptions. In New York, New Jersey, Rhode Island, and North Dakota, some lab costs may be billed directly to the patient because of state lab billing rules.
Plume lists reduced membership pricing for some of these states:
New York:
$90/month. Labs may be billed directly to the patient.
New Jersey:
$90/month. Labs may be billed directly to the patient.
Rhode Island:
$90/month. Labs may be billed directly to the patient.
North Dakota:
$84/month with the code listed by Plume. Labs may be billed directly to the patient.
Plume says labs in these states may cost around $30–$35 per lab bill through Quest or Labcorp discounted pricing.
What about insurance?
This is one of the biggest differences between FOLX and Plume.
FOLX accepts insurance for eligible care, depending on your plan and location. If FOLX is in-network with your insurance, your visits, labs, medications, or select membership costs may be covered according to your plan benefits. That may mean you pay a copay or coinsurance instead of the full cash-pay visit cost.
Plume announced that its insurance-based membership ended on December 31, 2025. Plume members who want to continue care after that date need to use Plume’s self-pay membership or find another in-network provider.
That means FOLX may be a stronger fit if you want the option to use insurance for parts of your care.
What about medications?
At both FOLX and Plume, medication costs are separate from membership.
At FOLX, your clinician can send prescriptions to the FOLX partner pharmacy or a pharmacy of your choice. Depending on your medication, location, insurance, and care plan, you may be able to use:
- FOLX partner pharmacy pricing
- A local pharmacy
- Insurance pharmacy benefits
- Pharmacy coupons or discount programs
FOLX partner pharmacy medication pricing may include:
Testosterone cypionate:
$98 every 90 days
Testosterone gel:
$84–$265 every 90 days
Oral estradiol:
$45–$90 every 90 days
Estradiol valerate:
$214–$372 every 90 days
Estradiol patch:
$175–$582 every 90 days
Spironolactone:
$22–$50 every 90 days
Dutasteride:
$13–$15 every 90 days
Finasteride:
$12–$13.50 every 90 days
Progesterone:
$23–$34 every 90 days
Medication costs vary because dose, form, pharmacy, location, and insurance coverage all matter. You can also read more about how much estrogen HRT costs at FOLX and how much testosterone HRT costs at FOLX.
Example cost scenario: estrogen pills, no insurance, two visits, two labs
Let’s say you’re paying out of pocket, taking oral estradiol, and need:
- One initial visit
- One follow-up visit
- Two basic GAHT labs
- Four 90-day fills of oral estradiol
Estimated first-year cost with FOLX monthly membership
Membership: $527.88/year
Visits: $238
Labs: $58–$94
Oral estradiol: $180–$360
Estimated first-year total: $1,003.88–$1,219.88
Estimated first-year cost with FOLX annual membership
Membership: $349/year
Visits: $238
Labs: $58–$94
Oral estradiol: $180–$360
Estimated first-year total: $825–$1,041
Estimated first-year cost with Plume monthly membership
Membership: $1,188/year
Visits: Included
Labs: Included in most states
Oral estradiol: Not included; estimated here at $180–$360 for comparison
Estimated first-year total: $1,368–$1,548, plus any state lab exceptions
Estimated first-year cost with Plume annual membership
Membership: $749/year
Visits: Included
Labs: Included in most states
Oral estradiol: Not included; estimated here at $180–$360 for comparison
Estimated first-year total: $929–$1,109, plus any state lab exceptions
In this scenario, FOLX annual membership may be the lowest-cost option for someone who only needs a typical number of visits and labs.
Example cost scenario: testosterone injections, no insurance, two visits, two labs
Let’s say you’re paying out of pocket, taking testosterone cypionate injections, and need:
- One initial visit
- One follow-up visit
- Two basic GAHT labs
- Four 90-day fills of testosterone cypionate
Estimated first-year cost with FOLX monthly membership
Membership: $527.88/year
Visits: $238
Labs: $58–$94
Testosterone cypionate: $392
Estimated first-year total: $1,215.88–$1,251.88
Estimated first-year cost with FOLX annual membership
Membership: $349/year
Visits: $238
Labs: $58–$94
Testosterone cypionate: $392
Estimated first-year total: $1,037–$1,073
Estimated first-year cost with Plume monthly membership
Membership: $1,188/year
Visits: Included
Labs: Included in most states
Testosterone cypionate: Not included; estimated here at $392 for comparison
Estimated first-year total: $1,580, plus any state lab exceptions
Estimated first-year cost with Plume annual membership
Membership: $749/year
Visits: Included
Labs: Included in most states
Testosterone cypionate: Not included; estimated here at $392 for comparison
Estimated first-year total: $1,141, plus any state lab exceptions
In this scenario, FOLX annual membership may cost less than Plume annual membership, while FOLX monthly membership may still cost less than Plume monthly membership.
Example cost scenario: more frequent visits, no insurance
Plume may become more cost-competitive for people who want or need frequent visits, because Plume includes visits in its Full Membership.
Here’s a simplified comparison before medication costs.
This estimate assumes:
- One initial FOLX visit
- Two basic GAHT labs
- No insurance
- Medication costs excluded because both FOLX and Plume bill medications separately
Initial visit, one follow-up, and two labs
FOLX monthly membership: $823.88–$859.88
FOLX annual membership: $645–$681
Plume monthly membership: $1,188
Plume annual membership: $749
Initial visit, two follow-ups, and two labs
FOLX monthly membership: $902.88–$938.88
FOLX annual membership: $724–$760
Plume monthly membership: $1,188
Plume annual membership: $749
Initial visit, four follow-ups, and two labs
FOLX monthly membership: $1,060.88–$1,096.88
FOLX annual membership: $882–$918
Plume monthly membership: $1,188
Plume annual membership: $749
Initial visit, six follow-ups, and two labs
FOLX monthly membership: $1,218.88–$1,254.88
FOLX annual membership: $1,040–$1,076
Plume monthly membership: $1,188
Plume annual membership: $749
If you compare monthly plans, FOLX may remain lower for many people who need a few visits per year. If you compare best annual prepay pricing, Plume becomes cost-competitive sooner for people who expect more frequent visits.
The key question is not just “which membership is cheaper?” It’s: how often do you expect to need appointments, can you use insurance, and do you want care beyond gender-affirming hormones?
What care can FOLX help with beyond GAHT?
FOLX offers more than gender-affirming hormone therapy. Depending on your needs and location, FOLX can support:
- Gender-affirming hormone therapy
- Primary care
- Sexual and reproductive health
- Mental health care
- Therapy, where available
- Fertility and family-building support
- Menopause and perimenopause care
- Labs, prescriptions, referrals, and care navigation
- Letters for gender-affirming care, when clinically appropriate
If you want one place for more of your healthcare — not just HRT — FOLX may be a better fit.
When might FOLX cost less?
FOLX may cost less if:
- You only need one or two clinician visits per year
- You choose the annual membership
- You can use insurance for visits, labs, medications, or select membership costs
- You use lower-cost medication options
- You want to pay for visits only when you need them
- You want access to primary care, mental health care, sexual health, fertility, menopause care, and more
FOLX may be especially cost-effective for people with insurance, since eligible care may be covered according to your plan.
When might Plume cost less or feel simpler?
Plume may be a good fit if:
- You want a predictable monthly or annual price
- You expect to need frequent visits
- You do not plan to use insurance
- You want labs bundled into membership and live in a state where labs are included
- You are primarily looking for gender-affirming care and related support
- You prefer a flat membership model over paying for visits separately
Plume’s model may feel simpler for people who want frequent check-ins and do not mind paying a higher membership fee each month.
So, is FOLX or Plume cheaper?
It depends.
For many people who need a typical gender-affirming hormone therapy cadence — one or two visits per year, labs once or twice per year, and medications billed separately — FOLX may cost less, especially with annual membership or insurance.
For people who expect frequent visits and want a bundled self-pay model, Plume may become more cost-competitive, especially if they choose Plume’s annual plan.
The biggest differences are:
- FOLX has a lower membership fee.
- FOLX bills visits, labs, and medications separately.
- FOLX may let you use insurance for eligible care.
- Plume has a higher bundled membership fee.
- Plume includes visits and labs in most states.
- Plume does not include prescription costs.
- Plume’s insurance-based membership ended December 31, 2025.
The bottom line
Choose FOLX if you want flexible pricing, the option to use insurance, a lower base membership, and access to LGBTQIA+ healthcare beyond gender-affirming hormone therapy.
Choose Plume if you want a bundled self-pay model, expect to use frequent visits, and prefer paying a higher predictable membership fee that includes visits and labs in most states.
Both FOLX and Plume exist because trans, nonbinary, and gender-diverse people deserve affirming care. The best choice is the one that fits your body, budget, location, insurance, and care needs.
Frequently asked questions
Is FOLX cheaper than Plume?
FOLX may be cheaper for many people who need one or two visits per year, choose annual membership, or can use insurance. Plume may be more cost-competitive for people who expect frequent visits and want a bundled self-pay model.
How much is FOLX membership?
FOLX membership is $43.99/month or $349/year when paid annually. Visits, labs, and medications are billed separately.
How much is Plume membership?
Plume’s Full Membership is $99/month, $449 every six months, or $749/year. Plume’s Community Membership is $5/month and does not include clinical care.
Does FOLX include visits in membership?
No. FOLX visits are billed separately or may be covered by insurance, depending on your plan and location.
Does Plume include visits in membership?
Yes. Plume’s Full Membership includes provider visits, and Plume says members can schedule up to five visits per month.
Does FOLX include labs?
No. FOLX labs are billed separately or may be billed to insurance. Basic GAHT labs through FOLX discounted rates are typically $29–$47.
Does Plume include labs?
Plume includes labs in most states, but some states require labs to be billed directly to the patient. Plume lists exceptions for New York, New Jersey, Rhode Island, and North Dakota.
Are medications included with FOLX or Plume?
No. Medication costs are separate at both FOLX and Plume.
Does Plume take insurance?
Plume announced that its insurance-based membership ended on December 31, 2025. Members who want to continue Plume care after that date need to use Plume’s self-pay membership or find another in-network provider.
Does FOLX take insurance?
Yes, FOLX accepts insurance for eligible care depending on your plan and location. Insurance may help cover visits, labs, medications, or select membership costs.
