Yearly check up

I just had my yearly check up with my gynecologist. She asked me about my periods and how I was feeling. I told her that I still have them but with heavy bleeding, I can’t sleep at night, no hot flashes right now but more of cold flashes, brain fog, low libido and energy and not feeling myself lately (I just turned 50)

She suggested pellets with testosterone since I still have my period I don’t need estrogen or progesterone right now. Also, pellets are not cover by insurance companies but I’ve read in this forum that you can get them at your pharmacy and mostly covered by the insurance. Please help. Should reach out to Midi. Is she is trying to sell me on the pellets? The name of BHRT is Biote.