Miami, Boca Raton & Palm Beach Integrative Gynecology: Pricing, Concierge & BHRT Clinics, and Florida Telehealth Rules

01How the South Florida market is different

South Florida is really three markets strung along I-95. Miami-Dade (Brickell, Coral Gables, Coconut Grove, Pinecrest, Key Biscayne, Miami Beach) is bilingual and fast-moving, with many practices running Spanish-language visits and a strong aesthetics-and-longevity culture. Broward (Fort Lauderdale, Weston, Plantation, Aventura just across the county line) mixes hospital-employed gynecologists with mid-priced hormone clinics. Palm Beach County (Boca Raton, Delray Beach, Palm Beach, Jupiter, Wellington) is the national home of concierge medicine, with a large seasonal population that keeps a second doctor up north.

That mix produces a wider price spread than most metros. You will see $3,000-a-year concierge practices next to pellet clinics advertising a first insertion special, and longevity programs bundling hormones, peptides and IV therapy into retainers above $6,000. Higher price here does not reliably mean deeper gynecologic expertise, so compare what is actually included.

The payer mix matters too. Florida Blue is the dominant commercial carrier, alongside UnitedHealthcare, Aetna, Cigna, AvMed and Oscar on the exchange. Many individual-market plans sold in Florida are HMOs or EPOs with no out-of-network benefit at all, so a superbill may return nothing. Check your plan type before you count on reimbursement, and read our superbill, CPT and HSA/FSA guide for how the claim works.

02Miami, Fort Lauderdale and Boca pricing benchmarks

These ranges are IntegrativeGyn.com metro estimates built from the national data in our methodology and adjusted for South Florida. They are not quotes from any named clinic; fees change, so confirm in writing before you book.

Table 1 · IntegrativeGyn.com metro estimates, 2026. Lab retail reflects typical clinic pricing over practitioner wholesale ($300–$395 DUTCH, $310–$355 GI-MAP).

Two patterns stand out. First, longevity bundles inflate the top of the retainer range; ask for an itemized list of what the retainer covers versus what is billed on top. Second, pellet pricing here often comes with mandatory supplement packages. Our pellets vs. estradiol patches comparison shows how a $900 insertion three or four times a year compares with an FDA-approved patch over three years.

03Out-of-network math for 99205 and 99215 in South Florida

We place South Florida in Tier 2: commercial PPO out-of-network allowables that typically land around 170–215% of the Medicare national non-facility rate. Using the 2026 CMS baselines of about $236.81 for 99205 and $183.50 for 99215:

Table 2 · Source: CMS PFS 2026 national non-facility baselines; commercial multiples are IntegrativeGyn.com estimates. Your plan’s method may differ.

Worked example. Your intake is billed at $550 and four follow-ups at $300 each. A plan pays on the lower of the billed charge and its allowable, so at 190% the intake is allowed at $450 and each follow-up at the full $300, for $1,650 allowed. With $1,000 of out-of-network deductible left and a plan that pays 70% after it, the plan reimburses ($1,650 − $1,000) × 70% = $455. You paid $1,750, so your net cost is about $1,295. Any retainer is not reimbursed.

Run your own numbers in the superbill calculator preset for South Florida.

04Who offers integrative gynecology here, by model type

We describe the landscape by model, not by ranking clinics. Prices on this page are metro benchmarks, never a named practice’s fee.

Academic and health-system programs

The University of Miami Health System (UHealth) is the region’s academic center, and the University of Miami hosts an Osher Center for Integrative Health, part of the national Osher Collaborative. Large systems such as Baptist Health South Florida, Memorial Healthcare System and Cleveland Clinic Florida in Weston run gynecology and women’s health services that are mostly insurance-billed. Expect in-network billing, standard serum labs and FDA-approved hormone therapy, with longer waits for menopause-specific visits.

Boutique concierge and longevity practices

Boca Raton is home to MDVIP, the national concierge primary-care network, and the concierge habit runs deep across Palm Beach County. Gynecology-focused concierge and longevity practices here usually charge an annual retainer, offer 60-minute visits and same-week access, and add functional labs and compounded hormones at extra cost.

Hybrid telehealth

National platforms such as Midi, Tia and Parsley serve Florida patients virtually; see our Midi vs. Tia vs. Parsley comparison. Florida’s telehealth registration (below) also lets out-of-state integrative clinicians see Florida residents by video.

Pellet clinics

Pellet providers operating under brands such as BioTE, EvexiPEL and SottoPelle are common across all three counties. Pellets are compounded, not FDA-approved, and commercial insurers rarely cover them.

ND and MD hybrids

Florida licenses naturopathic physicians only under a closed, legacy licensure law, so most functional practices here are MD, DO or nurse-practitioner led, sometimes with a nutritionist or health coach on staff.

05Florida telehealth registration, testosterone and corporate practice

Out-of-state telehealth registration. Since 2019, section 456.47 of the Florida Statutes has let a clinician licensed in another state register with the Florida Department of Health to provide telehealth to patients located in Florida, without a full Florida license. A registered provider may not open an office in Florida or see patients in person here, and must meet the department’s requirements, including professional liability coverage. For you, that widens the pool of menopause-trained clinicians you can see by video. Confirm that a remote clinician holds either a Florida license or an active Florida telehealth registration.

Controlled substances by telehealth. A 2022 amendment (SB 312) narrowed Florida’s telehealth ban to Schedule II drugs, with limited exceptions, so Schedule III–V prescribing by telehealth is allowed under state law. Testosterone is a Schedule III controlled substance federally. Federal law also applies: the Ryan Haight Act normally requires an in-person evaluation before online prescribing of controlled substances, and DEA and HHS have extended temporary telemedicine flexibilities through December 31, 2026. What follows that date is not settled as of this writing, so ask any remote prescriber how refills will work if the flexibilities end. There is no FDA-approved testosterone product for women in the US; any prescription is off-label.

Corporate practice of medicine. Florida is generally regarded as not enforcing a broad corporate-practice ban, so lay or investor ownership of medical practices is common. Clinics not wholly owned by licensed practitioners generally need a health care clinic license from the Agency for Health Care Administration, with a medical director. Referral and lead-fee arrangements also run into Florida’s Patient Brokering Act. Physicians planning a practice here should confirm structure with Florida health-care counsel; our DSC transition blueprint covers the general steps.

06If you are on Medicare: concierge care in Boca and Palm Beach

A large share of Palm Beach and Broward patients are 65 or older, and the rules change once Medicare is your primary coverage. Three points decide what you will actually pay.

Opted-out physician

If the clinician has formally opted out of Medicare, you sign a private contract. Neither of you may submit claims to Medicare for those services, and your Medigap policy will not pay either. Every visit is fully out of pocket.

Participating physician with a retainer

Some concierge practices stay enrolled in Medicare and bill visits normally, charging the retainer for extras such as extended access or wellness programs. The retainer should cover only services Medicare does not pay for, a point the HHS Office of Inspector General has flagged. Ask for that list in writing.

Prescriptions

Part D plans usually cover FDA-approved transdermal estradiol and oral micronized progesterone at standard tier pricing. Compounded creams and pellets are not covered, so a $65–$160 monthly compounded prescription stays a cash cost.

For seasonal residents, ask also whether the practice will coordinate with your doctor up north, share lab results and keep prescribing while you are away. A Florida-only license does not cover a video visit while you sit in New York or Ohio. The menopause longevity protocol lists the bone, heart and lab monitoring that should continue year-round wherever you are.

If you still have employer coverage with an HSA, keep receipts and ask the clinic for a letter of medical necessity for labs and visits. Whether a retainer itself is an eligible expense is a question for your plan administrator or tax advisor.

07How to choose a South Florida clinic without overpaying

Because prices vary so widely across the three counties, the contract matters more than the brand. Before you sign:

1. Ask for a superbill sample. Confirm the clinic issues itemized superbills with CPT and ICD-10 codes and an NPI, and that it bills 99205 and 99215 by time or medical decision-making, not a flat code.
2. Separate the retainer from the care. Get a written list of what the annual fee covers. Labs, compounded hormones, IVs and supplements are often extra.
3. Check cancellation terms. Seasonal residents should look for a pause or prorated refund clause; see our concierge retainer red flags.
4. Ask about FDA-approved options. Transdermal estradiol and oral micronized progesterone are bioidentical and usually covered by insurance; compounded products are not FDA-approved. Our compounded vs. FDA-approved comparison explains the trade-offs.
5. Price the lab plan. Ask whether DUTCH or GI-MAP is required at intake and what the retail price is.

If you split the year between Florida and another state, ask whether the clinic can keep treating you by telehealth while you are away. That depends on the clinician’s licenses where you are physically located during each visit. This page is educational and is not individual medical, legal or financial advice.