I used HRT for many years to help fight osteoporosis. I used Estrogel and Divigel when I was employed full time with health benefits. Now that I have joined Medicare, I can no longer find insurance coverage (part D) for a gel or cream because there are no generic forms of these products. I now use Biest (estriol 50%/Estradiol 50%) from a compounding pharmacy. Also, the product I buy from a compounding pharmacy is less expensive than pharmaceutical HRT.