I am currently taking Bio-Identical Hormone Replacement Therapy from Dr. Colleen Kennedy DO in Rochester Hills, MI. The only costs I incur is my insurance co-pay for the office visit, a small fee from the lab work taken once or twice a year and the cost of a 90 day supply of cream which costs around $62.00. I get mine from Barclay Pharmacy in Rochester Hills, MI. They will ship it for free! Bodylogic MD's wanted $195.00 for a "processing" fee? She couldn't exactly tell me what for other than they have a corporate office in Boca Raton, FL. Then they want $495.00 to see the DR??? I explained how my Dr in MI worked! How simple it is!!! Keep looking for a Dr who is familiar with the replacement therapy. Dr. Sepsi in Athens, GA is willing to work with me in the replacement therapy. Hope this helps!!! Bio-Identical Hormone Replacement Therapy will turn back the clock on your body at least 20 years! I have benefited greatly!!!