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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to be enraged about a £100 HRT fine?

252 replies

OnlyOneAdda · 26/09/2025 16:00

Been on HRT for about 18 months ago, so have purchased HRT pre payment certificate. Each time I collect my prescriptions, I am asked to show my certificate as proof of payment.

I have just received a letter from NHS saying according to their records I have falsely claimed for a prescription and I will be fined £100. Have called them and provided my certificate number...turns out that one of the new medications my GP added six months ago isn't covered and I should have paid. The letter explicitly states that being mislead by the pharmacy is not a valid exclude.

WTAF? The pharmacy accepted it as payment. If this item wasn't eligible then they shouldn't have. If I go into a shop that doesn't accept AmEx they tell my at point of payment - they don't send me a £100 fine six months later and tell me I should have known better and used a different card.

If I've pre-paid my HRT then it should cover all fucking HRT. And if an item isn't payable by the means provided at the till then this should be flagged at point of sale!!!

Absolutely fuming 🤬 (and of course like most AIBU posts I actually just want you to agree with me 🤣 so if you think IABU then please scroll on and leave me to my menopausal rage...)

And don't get me started on the fact that men don't have to pay full stop for HRT, sanitary products etc. 🙄

OP posts:
Thread gallery
7
Rainydayinlondon · 26/09/2025 19:22

It would have been different if OP tried to get a non HRT drug under an HRT certificate, but she didn’t.
She had an HRT pre paid certificate
She was prescribed HRT
The pharmacist who KNOWS this stuff gave it to her
Op’s certificate was checked
She went home.

I would challenge it.

Woompund · 26/09/2025 19:23

Negroany · 26/09/2025 19:22

Testosterone isn't HRT though. And it's not licensed as an HRT drug. It's been prescribed off licence for you, and you can't expect the NHS to cover something on a pre payment cert that isn't even licenced.

I think you do need to take responsibility to check these things yourself. I'm not on testosterone, but my GP did discuss it with and at the time she told me it wasn't covered by the cert (though I already knew).

Testosterone IS HRT. Just because it's not licenced for women yet doesn't mean it's not HRT!

Tiddlywinkly · 26/09/2025 19:24

I'm really sorry this has happened op.

I had no clue about this. I've checked and mine are covered.

The GP or pharmacy should have said something out of courtesy. I'm annoyed for you.

BananaPeels · 26/09/2025 19:24

ForCraftyWriter · 26/09/2025 16:47

Onus is on the provider?

Say I use a weekend only pass to access a service on a weekday. When I took out the pass it was made very clear what the pass could be used for. Whose fault is it then if I go ahead and use the pass on a weekday and get charged a surcharge??!

People need to start taking responsibility for themselves as this is part of the reason for the mess the NHS is in.

Hmmm interesting, I would expect that the system wouldn’t let you use the pass on a weekday and you would be refused access. I would absolutely put the burden on the provider and not the user

TheDayBeforeYouCame · 26/09/2025 19:26

My GP doesn’t even prescribe the testosterone gel so I have to get that from a private prescription so if I want to have it it costs me £160 for the consultation and a further £100 for the gel. Outrageous. I had to give it up as too expensive.

Bobiverse · 26/09/2025 19:27

@OnlyOneAdda

Men get hormone replacement therapy. They get testosterone replacement therapy. I know several men on it. I’m in Scotland so prescriptions are free but I’d assume English men have to pay for their prescriptions.

MeridaBrave · 26/09/2025 19:27

Woompund · 26/09/2025 19:23

Testosterone IS HRT. Just because it's not licenced for women yet doesn't mean it's not HRT!

Its not on the list for the HRT prepayment certificate. I get free anyway as I have a medical exemption. And anyway as it’s a medicine for men women only use a tiny amount so you’d be paying £9.90 every 7 months.

FallingIntoAutumn · 26/09/2025 19:29

Wouldn’t occur for me to check that my hrt meds are covered by my hrt certificate.
it wasn’t explained that not everything is covered

OneRealOchreHiker · 26/09/2025 19:30

How do I find out if I still have a HRT PPC? The checker service is only for normal ones and the last email I can find shows it expired April 2024. Would they have caught up with me by now if I didn’t have one? Panicking!

Negroany · 26/09/2025 19:31

MeridaBrave · 26/09/2025 19:27

Its not on the list for the HRT prepayment certificate. I get free anyway as I have a medical exemption. And anyway as it’s a medicine for men women only use a tiny amount so you’d be paying £9.90 every 7 months.

I think it's a terminology issue. To me, it's not HRT because the NHS doesn't consider it to be HRT.

It is a hormone, for sure. But there are loads of hormones that don't form part of HRT but can be prescribed, insulin for example, thyroxin, melatonin.....etc.

Negroany · 26/09/2025 19:32

FallingIntoAutumn · 26/09/2025 19:29

Wouldn’t occur for me to check that my hrt meds are covered by my hrt certificate.
it wasn’t explained that not everything is covered

It is explained on the website when you sign up for it.

MrsBroccolini · 26/09/2025 19:34

NCT friend has this with her mat exemption prescriptions - she hadn’t officially been issued with a mat exemption certificate through no fault of her own - midwife/hospital had forgotten to issue one. Obviously she had been pregnant (all on record!) but she had to pony up for the fine. Shocking.

ButterButterButter · 26/09/2025 19:39

I’m worried now as I don’t think mine is. I started on Evorel Sequi but then GP moved me few months ago onto oestrogen patches and progesterone capsules. The latter are a brand which isn’t listed on the link even though a different “name” with the same description is. I’ll be furious if somehow that isn’t covered, it seems wholly unreasonable when I have no control over what the pharmacy gives me

slightlyoverbaked · 26/09/2025 19:39

It’s pretty clear on the website!!

AIBU to be enraged about a £100 HRT fine?
Pfpppl · 26/09/2025 19:42

FusionChefGeoff · 26/09/2025 17:31

Shit I swapped to the Utrogestan pessaries recently and they’re not on the list.

Do I just hope I got away with it and pay next time??

I really think that seeing as the HRT PPC is considered as payment by the pharmacy, then it is absolutely their responsibility to flag if you’re trying to use it for something that’s not covered!!!

You can use the oral tablets vaginally as well. It doesn't say it in the instructions, but my private HRT consultant advised me to when I couldn't tolerate it orally. The pessaries were covered when I got my first certificate, but annoyingly they've since removed them. I've been using the tablets vaginally since with no issues.

museumum · 26/09/2025 19:42

I’m in Scotland so all prescriptions are free but I am amazed that a pharmacy asks for payment, you show a certificate and say I think this covers if they just say “ok” rather than having a way to say whether it does or not!! Then someone in an office somewhere issues and chases up fines at a later date. It seems totally crazy!

susiedaisy1912 · 26/09/2025 19:43

WasThatACorner · 26/09/2025 16:11

Does the normal pre paid cert not cover HRT? I might have made a mistake here

This.

Soontobe60 · 26/09/2025 19:48

usedtobeaylis · 26/09/2025 16:40

You don't know what you don't know, and the OP clearly didn't know. Sometimes there's an unreasonable burden on service users and in this case I believe the onus should be on the provider, not the patient.

🙄

Edited

The second page of the online application form makes it very clear that not all HRT is covered and you even have to check a box to indicate that youv’e checked.
Clearly the issue here is that the OP bought the PPC and some time later added a new item without checking again that it was covered.

AIBU to be enraged about a £100 HRT fine?
AIBU to be enraged about a £100 HRT fine?
susiedaisy1912 · 26/09/2025 19:50

Ok done some googling and it seems that the full PPC does cover HRT although I’m not sure about testosterone

JohnBullshit · 26/09/2025 19:52

What worries me is that very often the item you were prescribed is out of stock, they wheel out an alternative, and you assume that as it's meant to perform the same function, it comes under the same prepayment exemption category. You don't know in advance you're going to be given a substitute, and to me it's reasonable to assume that the pharmacist conducting the transaction can see whether the item qualifies. If I have an HRT only prepayment certificate, they won't let me waltz off with bp medication without paying, will they? To me it's the same thing.

BigButtons · 26/09/2025 19:53

This is why I bought the general certificate because the actual allowed meds on the hrt one are a nonsense. The progesterone that I use- and the only one I can tolerate- is not listed . At least my pharmacy flagged this to me when I was deciding what pre payment to get

TY78910 · 26/09/2025 20:08

I’m completely jumping on here to derail the thread but I have no idea how any of this works. I’m not yet at peri / menopause age but I find it fascinating (or more like preparing myself mentally for the inevitable) so I find these threads fascinating.

Can someone tell me why on earth HRT would not be covered fully? If I’m reading correctly you have to pay a yearly ‘fee’ to get the help you need? Or is it that the certificate is cheaper per year than prescription fees?

MessageMystery · 26/09/2025 20:08

OnlyOneAdda · 26/09/2025 16:00

Been on HRT for about 18 months ago, so have purchased HRT pre payment certificate. Each time I collect my prescriptions, I am asked to show my certificate as proof of payment.

I have just received a letter from NHS saying according to their records I have falsely claimed for a prescription and I will be fined £100. Have called them and provided my certificate number...turns out that one of the new medications my GP added six months ago isn't covered and I should have paid. The letter explicitly states that being mislead by the pharmacy is not a valid exclude.

WTAF? The pharmacy accepted it as payment. If this item wasn't eligible then they shouldn't have. If I go into a shop that doesn't accept AmEx they tell my at point of payment - they don't send me a £100 fine six months later and tell me I should have known better and used a different card.

If I've pre-paid my HRT then it should cover all fucking HRT. And if an item isn't payable by the means provided at the till then this should be flagged at point of sale!!!

Absolutely fuming 🤬 (and of course like most AIBU posts I actually just want you to agree with me 🤣 so if you think IABU then please scroll on and leave me to my menopausal rage...)

And don't get me started on the fact that men don't have to pay full stop for HRT, sanitary products etc. 🙄

Go to the pharmacy and they will sort it out for you. Do not pay the fine until you’ve spoken to someone at the pharmacy.

LDNloveandlife · 26/09/2025 20:12

You’re not being unreasonable at all, that’s rage inducing! I’d be absolutely fuming too OP x