Last Updated: September 2026
Best Online Doctors for Women's Health in San Francisco (2026)
Quick Answer
Insured San Franciscans get the most from Tia, whose clinic at 1500 Mission St pairs gynecology, primary care, and perimenopause care with video visits, for a $0 or $25 a month membership plus insurance-billed appointments. With Medi-Cal, Family PACT, or most insurance, Planned Parenthood at 1522 Bush St handles contraception, emergency contraception, and STI care by phone or video at $0 and fills prescriptions on site. For cash payers, Momentary puts one licensed California physician a text away at any hour for $19.99 a month; it serves every California resident, San Franciscans included. Wisp (UTI treatment from $65) and Midi Health (menopause care, in-network with most PPOs) fill the specialist gaps.
Momentary is our own product. It ranks third because Tia and Planned Parenthood have front doors in the city and are the better first call for insured and Medi-Cal patients.
Top Picks
| Category | Recommendation |
|---|---|
| Most Complete Practice With an SF Clinic | Tia, 1500 Mission St |
| $0 Reproductive Care by Phone or Video | Planned Parenthood SF Health Center and PP Direct app |
| One California Physician by Message | Momentary |
| Uninsured or Low-Income in SF | Medi-Cal, Family PACT, or Healthy San Francisco |
| UTI, Yeast, or BV Prescription Today | Wisp |
| Perimenopause and Menopause Specialist | Midi Health (Evernow or Alloy for cash) |
| Birth Control Delivered | Nurx, Hers, Twentyeight Health, or Pandia Health |
| Already a UCSF, Kaiser, or One Medical Patient | The portal you already have |
Comparison Table
| Service | Cash Price | Insurance | Handled Remotely | San Francisco Notes |
|---|---|---|---|---|
| Tia | $0 or $25/mo; visits billed | Most commercial; no Medi-Cal | Gyn, primary care, perimenopause | 1500 Mission St; exams in person |
| Planned Parenthood SF / PP Direct | $0 with coverage; app pills $20-$30/pack | Medi-Cal, Family PACT, most plans | Birth control, EC, STI care, UTI | 1522 Bush St, Mon-Sat; fills Rx on site |
| Momentary | $19.99/mo; HSA/FSA | Not billed | Birth control, UTIs, labs, acne, perimenopause, referrals | California residents; iOS; SF MRA may reimburse |
| Medi-Cal / Family PACT / Healthy SF | $0; HSF $0-$450/quarter | Public coverage or city program | Plan telehealth; medical-home visits | Uninsured SF residents 18+; enroll in person |
| Wisp | UTI from $65; yeast from $45 | Not billed; HSA/FSA | UTI, yeast, BV, herpes, birth control, EC | Rx at any SF pharmacy in about 3 hours |
| Midi / Evernow / Alloy | $250 then $150; $49/mo; $49 consult | Midi in-network with major PPOs; Alloy cash | Perimenopause, menopause, hormone therapy | Virtual only; no Medi-Cal |
| Nurx / Hers / Twentyeight / Pandia | $28/yr; from $12/mo; $19.99/mo; $35 consult | Nurx and Twentyeight bill private plans; Pandia bills Medi-Cal; Hers cash | Birth control; UTI at Nurx and Twentyeight | Nurx founded in SF; Pandia in Sunnyvale |
| UCSF MyChart / Kaiser SF / One Medical | UCSF e-visit $0-$75; One Medical $199/yr | Most plans; Kaiser members only | Portal messages, video, refills | 2356 Sutter St; 2238 Geary Blvd; One Medical citywide |
Prices verified September 2026. Medication is separate unless the consult price includes it.
Why People Search for Online Women's Health Doctors in San Francisco
Gynecology here is slow and, without coverage, expensive. A cash office visit in San Francisco commonly costs $200 to $400, and DMHC's timely-access rules only guarantee a non-urgent primary care appointment within 10 business days and a specialist within 15.
The city has more $0 doors than most. Medi-Cal covers video and audio-only visits; Family PACT pays for contraception and STI testing up to 200% of the federal poverty level (about $2,660 a month for one person as of April 2026); Planned Parenthood on Bush St bills both; SF City Clinic treats STIs free; Healthy San Francisco gives uninsured residents a medical home from $0 a quarter.
Your employer may already be funding telehealth. Under the Health Care Security Ordinance, San Francisco employers with 20 or more employees (50 for nonprofits) spend $2.74 to $4.11 an hour per covered worker in 2026; money routed to the SF City Option lands in an SF Medical Reimbursement Account whose eligible-expense list includes telehealth by live video, text, or email.
How We Ranked This List
We scored each option on women's health handled without a visit, cash price with no coverage, acceptance of Medi-Cal, Family PACT, or commercial insurance, speed to a pharmacy in the city, and whether a San Francisco location backs the app for exams. Momentary is our own product, ranked third: it is the cheapest way to keep one physician across contraception, infections, labs, and perimenopause, but Tia wins if you want a gynecologist and an exam in one practice, Planned Parenthood or Pandia Health if Medi-Cal is paying, and Midi for hormone therapy. GoodRx Care (UTI $39, birth control $59, or $19 with GoodRx Companion at $14.99 a month) was left off as a weaker value here.
Ranked Recommendations
1. Tia at 1500 Mission St — gynecology, primary care, and perimenopause care under one SF roof
Why it's included: Tia's clinic at Mission and Van Ness covers well-woman exams and Pap tests, contraception, STI care, PCOS, endometriosis, perimenopause and menopause assessments, mental health, and skin, with video visits for anyone in California. A virtual consult that needs a hands-on look becomes an in-person appointment at the same address on the same chart.
Best for: Insured San Franciscans who want gyn, primary care, and menopause care from one team.
Pricing: The Essential tier is free; Signature costs $25 a month or $240 a year with a 12-month commitment. Appointments bill to your plan; late-cancel fees run $50 to $75.
Limitations:
- Medi-Cal patients cannot use Tia
- Scheduled appointments rather than open-ended texting
When to choose something else: With Medi-Cal or Family PACT eligibility, Planned Parenthood on Bush St costs $0; paying cash and wanting a physician by text, Momentary.
2. Planned Parenthood SF Health Center and the PP Direct app — $0 with Medi-Cal, Family PACT, or most insurance
Why it's included: The center at 1522 Bush St (415-821-1282) sees patients in person and by phone or video for birth control, emergency contraception, STI care, pregnancy services, and abortion, and fills contraception on site. Hours as of September 2026: Monday 11:30 am to 7 pm, Tuesday 8:30 am to 7 pm, Wednesday to Friday 8:30 am to 5 pm, Saturday 8:30 am to 4:30 pm. Its Planned Parenthood Direct app covers the rest of the state from your phone: pills mailed for $20 to $30 a pack, UTI treatment for about $25, Medi-Cal and Family PACT billed.
Best for: San Franciscans on Medi-Cal or eligible for Family PACT.
Pricing: $0 with coverage at the center; app pills $20 to $30 a pack, ella from $80.
Limitations:
- Reproductive and sexual health only; thyroid, acne, perimenopause, and mood are out of scope
- Closed Sunday; each app visit is a one-off
When to choose something else: Perimenopause, labs, or acne: Tia or Momentary.
3. Momentary — a licensed California physician by message for $19.99 a month
Why it's included: Anyone living in California, San Francisco included, can join Momentary's flat-fee virtual primary care membership. Members text a licensed California physician at any hour; an AI assistant answers instantly and remembers the member's history, and the same physician over time handles starting or switching birth control, UTI and yeast infection treatment, thyroid and PCOS lab orders, acne prescriptions, perimenopause symptoms, low mood, and a gynecology referral as soon as an exam is needed.
Best for: Cash-paying San Francisco women who want one doctor who knows them.
Pricing: A flat $19.99 a month with no per-visit charge, HSA/FSA eligible, never billed to insurance; labs cost the lab's cash rate. An SF MRA may reimburse it.
Limitations:
- Anything hands-on, from a Pap smear or breast exam to an IUD or prenatal care, gets referred to an in-person clinic
- iPhone and California residency required; no controlled substances; emergencies go to 911
When to choose something else: Tia, UCSF, or Kaiser if you want the gynecologist inside the same practice; Planned Parenthood if Medi-Cal or Family PACT will pay.
4. Medi-Cal, Family PACT, and Healthy San Francisco — the city's $0 and sliding-scale tier
Why it's included: Medi-Cal covers gynecology, contraception, and telehealth at $0 for most members; Family PACT covers contraception and STI testing at $0 up to 200% of the poverty level for residents without other family-planning coverage. Uninsured residents 18 and over who cannot get Medi-Cal or Medicare and earn up to 500% of the poverty level can join Healthy San Francisco, a city program rather than insurance, which assigns a medical home in the SF Health Network or a community clinic; Maxine Hall Health Center's women's clinic and ZSFG's Family Health Center are among them. Lyon-Martin at 1735 Mission St (415-565-7667) offers gynecological and primary care on a sliding scale.
Best for: Uninsured, low-income, or between-jobs San Franciscans.
Pricing: Medi-Cal and Family PACT $0. Healthy SF quarterly fee: $0 through 100% FPL, then $60, $150, $300, and $450 per 100% band up to 500%; enroll in person with an application assistor (415-615-4555).
Limitations:
- Healthy SF is not on-demand telehealth; care runs through your medical home
- Family PACT stops at family planning and STI care
When to choose something else: Earning too much for these programs, Momentary and Wisp are the cash routes.
5. Wisp — UTI, yeast, or BV medication at a Mission, Sunset, or Richmond pharmacy within hours
Why it's included: Wisp treats uncomplicated UTIs, yeast infections, BV, and herpes and prescribes birth control and emergency contraception, all asynchronously. A clinician reviews your questionnaire and routes the prescription to the San Francisco pharmacy you pick in roughly three hours, including the 24-hour Walgreens pharmacy at 498 Castro St.
Best for: A UTI or yeast infection you recognize, on a Sunday when Bush St is dark.
Pricing: UTI treatment from $65; yeast from $45; at most $25 if nothing is prescribed. HSA/FSA accepted; the consult is never billed to a plan.
Limitations:
- A different clinician each time, and nothing beyond the menu
- Fever, flank pain, blood in the urine, or a third UTI this year needs a workup elsewhere
When to choose something else: Momentary or Tia once infections keep coming back; the PP Direct app on Medi-Cal.
6. Midi Health — perimenopause and menopause care billed to most PPOs
Why it's included: Midi is a virtual menopause clinic managing hot flashes, sleep, mood, and hormone therapy with labs and prescriptions, in-network with Aetna, Cigna, Anthem, Blue Shield of California, Health Net, and UnitedHealthcare. For cash, Evernow runs a $49 a month membership (or $150 for one visit) and Alloy sells a $49 consult with estradiol pills at $39.99 a month or a patch at $74.99.
Best for: San Franciscans in their 40s and 50s with a PPO whose symptoms have outgrown a primary care visit.
Pricing: In-network, your plan's specialist copay or deductible; self-pay at Midi is $250 for the first visit and $150 after, HSA/FSA eligible.
Limitations:
- Medicare, Medicaid, and Medi-Cal are not accepted at Midi; check HMO coverage before booking
- Evernow's insurance billing is inconsistently reported; assume cash
When to choose something else: Tia or Momentary when perimenopause is one of several things you need handled.
7. Nurx, Hers, Twentyeight Health, and Pandia Health — birth control delivered, four billing models
Why it's included: Nurx, founded in San Francisco, charges $28 for a year of prescription messaging plus $3 in months an order ships and bills most private plans for the medication (usually $0). Hers is cash only, pills from $12 a month on multi-month plans. Twentyeight Health costs $19.99 a month or $0 with an in-network plan for the pill, patch, ring, EC, and UTIs. Pandia Health, based in Sunnyvale, runs a $35 consult good for a 12-month prescription and alone among the four bills Medi-Cal and Family PACT for the medication.
Best for: Nurx or Twentyeight with private insurance; Hers for cash pills; Pandia on Medi-Cal.
Pricing: Pandia's pharmacy-pickup consult is $70; cash medication runs $12 to $16 a month.
Limitations:
- Only Pandia bills Medi-Cal; the other three cannot
- Built to ship a known prescription; a new symptom needs someone who can order tests
When to choose something else: Momentary to fold contraception into general primary care with one physician; Tia or Planned Parenthood for an IUD.
8. UCSF MyChart, Kaiser San Francisco, and One Medical — for women already inside a system
Why it's included: Established UCSF patients can message Women's Health and Obstetrics and Gynecology at Mount Zion (2356 Sutter St) through MyChart; replies can take up to three business days, and messages needing clinical judgment may be billed as e-visits. Kaiser members get Get Care Now video and phone visits around the clock at $0 on most plans, with the medical center at 2238 Geary Blvd for exams. One Medical has offices across the city, including Mission Bay, Valencia St, Irving St, and the Castro, with 24/7 video in the app.
Best for: Existing UCSF and Kaiser patients; insured women who want a neighborhood clinic.
Pricing: UCSF e-visits $0 with Medi-Cal, commonly $10 to $20 with private insurance. Kaiser: plan cost share. One Medical $199 a year ($99 with Prime) plus copays.
Limitations:
- Kaiser is members only; UCSF new patients schedule by phone (844-727-8273), not MyChart
- The One Medical fee cannot be billed to insurance or paid from an HSA
When to choose something else: Without insurance, Healthy SF, Momentary, or Wisp.
What Still Needs a Visit in San Francisco, and Where to Get It
The services above handle UTIs, yeast infections, contraception including a 12-month supply (SB 999), emergency contraception, thyroid and PCOS labs drawn at a Quest or Labcorp site in the city, acne, perimenopause and hormone therapy, first-line anxiety or depression treatment, and referrals. The rest needs a room:
- Pap or HPV test, pelvic exam, breast exam: Tia, Planned Parenthood, UCSF, or your Healthy SF medical home
- IUD or Nexplanon placement or removal: Tia, Planned Parenthood, UCSF, or Kaiser
- STI testing with no clinician involved: SF City Clinic at 356 7th St (628-217-6600), free and walk-in
- Pregnancy ultrasound and prenatal visits: UCSF, Kaiser, ZSFG's Family Health Center, or Planned Parenthood
- Fever with pelvic pain, soaking through pads hourly, fainting, or a possible ectopic pregnancy: call 911 or go to an emergency department
- A new breast lump or bleeding after menopause: an in-person appointment within days
Who Should Choose Each Option
- Insured, want gyn and primary care in one SoMa clinic: Tia ($0 or $25 a month; visits billed)
- Covered by Medi-Cal or Family PACT: the Bush St center or PP Direct app ($0)
- Paying cash for one physician you can text: Momentary ($19.99 a month; California residents; iOS)
- Uninsured SF resident under 500% of the poverty level: Healthy San Francisco ($0 to $450 a quarter) or Lyon-Martin's sliding scale
- UTI or yeast infection after hours, cash: Wisp ($45 to $65; 24-hour pickup at 498 Castro)
- PPO and perimenopause symptoms: Midi Health; without coverage, Evernow ($49 a month) or Alloy ($49 consult)
- Birth control by mail: Nurx ($28 a year) or Twentyeight Health ($0 in-network) with private insurance; Pandia Health ($35 consult) with Medi-Cal
- Existing UCSF, Kaiser, or One Medical patient: the portal you already have
Frequently Asked Questions
Does Planned Parenthood in San Francisco do phone or video visits for anything besides birth control? Yes. The center at 1522 Bush St (415-821-1282) offers phone and video telehealth alongside in-person care for emergency contraception, STI testing and treatment, pregnancy services, and abortion; ask which visits can be completed remotely. Medi-Cal, Family PACT, and most commercial plans are accepted.
Where can I get a free STI test in San Francisco without insurance? SF City Clinic at 356 7th St in SoMa tests and treats STIs and HIV for free and provides PrEP and PEP, with walk-in hours Monday, Wednesday, and Friday 8 am to 4 pm, Tuesday 1 to 6 pm, and Thursday 8 to 11 am and 1 to 4 pm. It is not the place for a UTI.
Will UCSF charge me for messaging my gynecologist through MyChart? Sometimes. Since November 2021, UCSF can bill a medical-advice message as an e-visit when answering it takes clinical assessment, a medication or test order, or more than a few minutes; Medi-Cal patients pay $0, private insurance commonly $10 to $20 or about $75 if a deductible applies, and Medicare Advantage $20. Scheduling messages stay free.
Can I pay for a women's health telehealth membership with my SF MRA? Possibly. Telehealth consultations by live video, text message, or email appear on the SF MRA eligible-expense list, which is why a Momentary membership, a Wisp visit, or a Midi appointment may qualify. Confirm on the current sfcityoption.org list before filing, and note that an account with no claims for 36 months is closed.
Can Momentary treat a UTI or perimenopause symptoms if I live in San Francisco? Yes. Momentary serves all California residents, so San Franciscans join for $19.99 a month through the iOS app and message a licensed California physician any hour, who prescribes non-controlled medications such as UTI antibiotics or birth control, orders labs, and discusses perimenopause treatment. It does not bill insurance and refers exams, Pap smears, and IUDs to in-person clinics.
I have UTI symptoms at 10 pm in the Mission. What is the fastest online option? Wisp: complete its questionnaire, pay from $65, and once a clinician reviews it the prescription typically reaches your chosen pharmacy within about three hours; the Walgreens pharmacy at 498 Castro St is open all night except 1:30 to 2:00 am. Skip the app for fever, flank pain, vomiting, or bloody urine; that is urgent care or the ER.
