Does Medicare cover bioidentical hormones?

Bioidentical hormone replacement therapy uses a variety of different bioidentical hormones in order to increase the presence of these hormones in the user. These compounds are called bioidentical hormones because are identical to those that are found naturally in humans.

Because we understand that researching different BHT medications and insurance providers might become daunting, we have a variety of health insurance resources available to make things a little more manageable.

The average health insurance cost per month and coverage of these BHRT medications can vary depending on your health insurance provider and insurance plan.

If you want to make sure that you are getting the best rates and health insurance rates in your area, we encourage you to try out our insurance comparison tool. You just need to enter your ZIP code, and this free tool will provide you with affordable health insurance quotes near you.

What is bioidentical hormone replacement therapy?

Bioidentical hormone replacement therapy is a form of hormone replacement therapy that uses hormones that are identical on a molecular level with endogenous hormones that are used in hormone replacement therapy (HRT).

Many experts—such as the American College of Obstetricians and Gynecologists (ACOG) and the United States Food and Drug Administration (USFDA)—have released statements that they have not seen any evidence that bioidentical hormone replacement therapy is more effective or beneficial in comparison to conventional hormone replacement therapy (CHRT).

Does Medicare cover hormone replacement therapy?

So, does Medicare cover bioidentical hormones? Neither Medicare Plan A nor Medicare Plan B will cover the cost of bioidentical hormone therapy (BHT). This is because these parts of Medicare don’t cover medications.

There is, however, a part of Medicare that does cover bioidentical hormones. Under Medicare Plan D, the cost of the bioidentical hormone therapy may be covered. If Medicare Drug coverage does cover your bioidentical hormones depends on the specifics about the medication.

To know for sure, you will have to check with the Medicare formulary to cross-reference if the medication that you have been prescribed is covered.

Is bioidentical hormone therapy covered by insurance?

Whether or not the bioidentical hormone therapy is covered by your health insurance is dependent on two main factors. These two factors are what insurance provider you have a plan through, and what plan you are enrolled in.

Many health insurance providers, however, thankfully do offer assistance when it comes to covering the cost of these medications.

If you have a Medicare Advantage plan, then you will likely have a better chance of having your BHT medications covered due to the additional prescription coverage that these plans offer.

You can also research, What are Medicare Supplement Insurance Plans (Medigap)?

Is there insurance coverage for both men and women?

Is HRT covered by insurance for anyone needing it? Hormone replacement therapy of any kind, bioidentical hormone therapy included, differ depending on the patient and their specific hormone levels. BHRT hormones for men may or may not be covered by your health insurance provider. This depends mainly on who your insurance provider is, and what insurance plan you are enrolled in.

Bioidentical hormones for women may or may not be covered by your health insurance provider, just like the bioidentical hormones that are commonly used by men. It depends on your insurance plan. This is why it’s best to ask your insurance company before treatment begins.

How much does bioidentical hormone replacement therapy cost?

If Medicare covers your specific bioidentical hormone medication, then you shouldn’t have any additional costs. To learn more about what you can expect to pay, read our guide, What is the maximum out-of-pocket expense with Medicare? Your health insurance might cover any BHRT medications that Medicare does not.

Before you buy health insurance, shop around for the best rates in your area. By comparison shopping, you can keep your out-of-pocket costs low and find a health plan that will cover HRT should you need it.

If you want to make sure that you are getting the most affordable coverage possible, you can benefit greatly from using our free insurance rate comparison tool. You just need to provide the tool with your ZIP code to start comparing the insurance costs in your area.