Estrace (estradiol) is a brand-name topical cream that’s prescribed for dryness and thinning of the vaginal walls in menopause. The cost of the drug with and without insurance can depend on several factors, such as whether Estrace has a savings program.

Estrace is approved by the Food and Drug Administration (FDA) to treat vulvar and vaginal atrophy (inflammation, dryness, and thinning of the vaginal walls) in menopause.

As with all medications, the cost of Estrace can vary. Factors that may affect the price you’ll pay include:

  • your treatment plan
  • your insurance coverage
  • the pharmacy you use
  • whether Estrace has a savings program (see the “Financial and insurance assistance” section below)

To find out what the cost of Estrace will be for you, talk with your doctor, pharmacist, or insurance provider. Or look below in the next section to learn how much you can save by using an Optum Perks coupon.

To save money on your Estrace prescription, explore these Optum Perks coupons. The Optum Perks site allows you to do a cost comparison of Estrace cream or the generic, estradiol cream, at several pharmacies.

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Retail price refers to the manufacturer’s published list price and is up to date as of 3/2023. Retail and discounted prices are U.S.-only and can vary based on region and pharmacy. We cannot guarantee that the discounted price listed here will exactly match the price at your pharmacy. Please contact your pharmacy for the exact price.

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The active ingredient of Estrace is estradiol. It’s available as the generic drug estradiol. A generic drug is considered to be as safe and effective as the original drug. And generics tend to cost less than brand-name drugs.

If your doctor has prescribed Estrace and you’re interested in using estradiol instead, talk with your doctor. They may have a preference for one version or the other. You’ll also need to check with your insurance provider, as it may only cover one or the other.

To find out how the cost of this generic drug compares with the cost of Estrace, talk with your doctor, pharmacist, or insurance provider.

WHY ARE COSTS DIFFERENT FOR BRAND-NAME DRUGS VS. GENERIC DRUGS?

Brand-name drugs can be expensive because of the research needed to test their safety and effectiveness. The manufacturer of a brand-name drug can sell it for up to 20 years. When the brand-name drug’s patent expires, multiple manufacturers can create generic versions. This marketplace competition may lead to lower costs for generics. Also, because generics contain the same active ingredients as brand-name drugs, they don’t require the same costly testing.

If you take Estrace long term, you may be able to lower its cost in the following ways.

Using a mail-order pharmacy

Estrace may be available through a mail-order pharmacy. Using this type of service may help lower the drug’s cost and allow you to receive your medication without leaving home. Some Medicare plans may help cover the cost of mail-order medications. You may also be able to get a 90-day supply of the drug via mail order.

If you don’t have health insurance, talk with your doctor or pharmacist. They may be able to suggest online pharmacy options that could work for you.

If you need financial support to pay for Estrace, or if you need help understanding your insurance coverage, help is available. For example:

  • A program called Allergan Patient Assistance Program may be available for Estrace. For more information and to find out if you’re eligible for support, call 844-424-6727 or visit the program website.
  • Some websites provide details about drug assistance programs, ways to make the most of your insurance coverage, and links to savings cards and other services. Two such websites are:

To learn more about saving money on prescriptions with or without insurance, check out this article.

Here are answers to some frequently asked questions about drug cost and Estrace.

How much does Estrace cost with insurance vs. without it, and how does that compare to estradiol cost with and without insurance?

What you pay for brand-name Estrace cream, or its generic estradiol, if you have insurance compared to what you’d pay without it depends on several factors.

Factors that could affect what you pay for this drug without insurance include:

  • the quantity you’re prescribed (such as a 90-day or 30-day supply)
  • whether you apply and qualify for any available savings programs
  • your dosage and treatment plan
  • the pharmacy you use

These same factors may affect your price for Estrace, or its generic estradiol, if you have insurance. But the price you pay with insurance will also depend on:

  • your specific plan benefits
  • any prior authorization requirements you have for drug coverage

You can also visit Optum Perks* for price estimates for this drug when using coupons from their site. However, Optum Perks coupons cannot be used with insurance benefits or copays.

* Optum Perks is a sister site of Medical News Today.

How does the cost of Estrace cream compare with that of 2-milligram Estrace pills or to the cost of estradiol pills?

The price you would pay for Estrace cream versus that of estradiol pills depends on various factors. Brand-name Estrace pills are no longer available. However, the generic form, estradiol, is still available in a pill form.

For instance, the form of the drug may affect its price. Estrace is available in a cream. The generic estradiol is available as a cream, gel, skin patch, oral tablets, and vaginal tablets. Typically creams, gels, and patches cost more than tablets.

There are additional factors that can affect your prescription cost, including:

  • the length of your treatment
  • whether there are payment assistance programs for your prescribed treatment
  • whether you’re paying out of pocket or have insurance

To learn more about the cost of Estrace cream compared with other treatments for your condition, talk with your doctor, pharmacist, or insurance provider.

Below is information you may want to consider if you have insurance and receive Estrace.

If you have insurance, your insurance company may require prior authorization before it covers Estrace. This means the company and your doctor will discuss Estrace in regard to your treatment. The insurance company will then determine whether the medication is covered.

If a drug requires prior authorization but you start treatment without the prior approval, you could pay the full cost of the medication. You can ask your insurance company whether Estrace requires prior authorization.

Disclaimer: Medical News Today has made every effort to make certain that all information is factually correct, comprehensive, and up to date. However, this article should not be used as a substitute for the knowledge and expertise of a licensed healthcare professional. You should always consult your doctor or another healthcare professional before taking any medication. The drug information contained herein is subject to change and is not intended to cover all possible uses, directions, precautions, warnings, drug interactions, allergic reactions, or adverse effects. The absence of warnings or other information for a given drug does not indicate that the drug or drug combination is safe, effective, or appropriate for all patients or all specific uses.