Answering your questions from personal experience:
1. Insurance for consultations: A few telehealth platforms bill insurance for the medical consultation separately from the medication. If your insurance covers telehealth (most do now post-COVID), you might only pay a $20-30 copay for the visit. You'd then pay cash for the compounded medication. This can knock $20-50/month off your total cost.
2. Refill process: Most providers do an initial comprehensive consultation, then quarterly follow-ups. Medication ships monthly on auto-refill. You don't need a new consultation every month, but most require checking in every 3 months minimum. Some do quick monthly async check-ins (message-based).
3. Switching providers: I've done it twice. It's mildly annoying but not terrible. The new provider does their own intake, reviews your history, and writes a new prescription. There's usually a 5-7 day gap while things get set up. I recommend starting the new provider process BEFORE stopping the old one to minimize gaps.