Pellets or nothing

Went to my doctor today to specifically request estrogen and progesterone. He went on to tell me about the pellets, which are $350 every 3 or 4 months (can’t remember cause I wasn’t interested). I mentioned that my plan covers patches and oral micronized progesterone and that’s what I wanted. He told me is either the pellets or nothing because he wouldn’t know how to dose the treatment. I told him, just put me in the lowest dose and we will go from there…. No go!!! Do doctors get kickbacks for signing up women for pellets?? I thought it weird that an internal MD wouldn’t be able to figure out a proper dose of HRT… what do you all think? Off to find another doctor 🥴