A common concern among individuals who seek hormone replacement therapy is how they’re going to pay for it. This often raises the question of whether hormone replacement therapy (HRT) is covered by insurance. In short, the answer is, “it depends.” Factors such as the type of therapy and the type of insurance plan can affect whether the treatment you seek is covered.  

Hormone Replacement Therapy & Health Insurance

No health plan is created equal. Each plan takes into account a variety of factors, from types of treatment to types of providers to which types of medication are covered. If your insurance comes through your employer, as your human resources department for information on hormone therapy coverage. Otherwise, call your insurance company directly to ask about the specific types of treatment you’re considering.

A Note About Insurance Coverage for Bioidentical Hormone Replacement

Some insurers draw the line between what they will and will not cover with regard to hormone replacement therapy based on whether the specific therapy is FDA approved. Many bioidentical hormone therapies are not FDA approved and are thus not often covered by insurance.

If you are specifically seeking bioidentical hormone replacement therapy (BHRT), you will want to contact your insurer directly to determine if you will get coverage or reimbursement for your treatment.

The Bottom Line: Ask Before You Seek Treatment

If you are unsure whether your insurance company covers hormone replacement therapy, call the number on the back of your insurance card and ask them. If your insurer only covers certain types of HRT, then it’s good to get that list of covered items and bring it with you to your first appointment.

Balance Hormone Therapy Accepts Most Insurance Plans

Our experienced physicians and treatment team know that insurance concerns often stop individuals from pursuing treatment at all. We’ve done our best to remove any of these roadblocks by accepting most insurance plans and flex spending accounts. Call us today at (480) 718-9960 for more information or to get help figuring out if hormone replacement therapy is covered by your insurance.