First, good luck with your wife, I really hope all goes as well as possible. Yes, slow is better than fast.. *hug*
It is so nice that HRT has come down in price, that is really affordable!
I have Medicaid, and because I have an intersex issue, all my hormones are covered. But the insurance carrier I now use is very particular and won't pay for injectable E, which I prefer, so I am back on tablets. They also refused to pay for my bio-identical progesterone soft-gels, but that was a blessing in disguise. But my gyno is clever, lol, and my insurance pays waaay more for a compounding pharmacy to make me bio-identical progesterone vaginal suppositories that have the added benefit of being suspended in an essential fatty-acid base, which has had a wonderful effect on my vaginal tissue and vulva. It also works wonders on my face if I use it as a moisturizer, which I often do. I can break them into smaller pieces for the days in my cycle that I only need a little bit of progesterone, which is something I could not do with the soft-gels. It is nice to have the right E/P balance all month as my cycle warrants, finally!
As a side note, when I started on progesterone, I was prescribed medroxyprogesterone, a synthetic, but it made me depressed. The bio-identical does not do this. If any of you have a medroxy script, and you have depression, you may be eligible for the bio-identical, micronized stuff instead, which I find better in every way.