I don't think insurance covers BHT, and therein lies the problem of access. The cost of office visits, testing, and medication is all out of pocket. Many doctors may be reluctant to discuss the topic in a traditional office visit because they know that if they code and bill the insurance, the claim will be denied.
I'm sure most doctors would be happy to discuss HRT with any of their patients, just call the office beforehand, tell them why you want to come in, and arrange in advance for this visit to be paid out of pocket at the time of service. You'd be amazed how often bizarre insurance and billing regulations may tie your doctor's tongue.