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Is HRT covered by insurance?

Is HRT covered by insurance?

Navin Khosla NowPatientGreen tick
Updated on 9 Jan 2024

Hormone Replacement Therapy (HRT) is a medical treatment that is used to address patients dealing with the symptoms of hormonal imbalance. It includes treatments such as progesterone therapy, estrogen therapy, testosterone therapy, and human growth hormone (HGH) therapy. While HRT can be considered a medical necessity, the cost of treatment is often prohibitive for many individuals. This is why it’s important to understand whether your health insurance covers HRT.

The significance of insurance coverage for HRT

Understanding the significance of insurance coverage for HRT is essential to ensure that you can get access to the necessary treatment. Insurance policies can vary significantly, it is important to thoroughly read and understand the terms and conditions of your insurance health plan. The extent of coverage can vary between insurance companies and states due to state and federal laws. In Florida, for example, there are various avenues to access insurance plans, such as health insurance marketplaces, private insurance providers, or employer-sponsored plans. The Affordable Care Act (ACA) has made health insurance more affordable, and programs like Medicaid and CHIP can help individuals obtain coverage. Insurance providers like Blue Cross Blue Shield (BCBS), Aetna, and Cigna offer flexible and comprehensive plans in Florida.

Review your summary of benefits and coverage

Most insurance plans provide a Summary of Benefits and Coverage (SBC) either in a printed policy or accessible online through your insurance provider’s website. The SBC is a valuable source of information that lists the services covered by your health insurance plan and the extent of coverage for each service. It’s important to review this document to determine if HRT is included in the coverage.

Check the list of covered drugs

With the shift towards paperless insurance transactions, having an online account with your insurance provider is essential. This allows you to conveniently check the status of your health insurance plan and access the updated list of covered drugs. It is crucial to ensure that growth hormone supplements, which are part of HRT medications, are included in the list. These supplements may be recommended or prescribed for specific medical conditions or as a medical intervention for post-surgery recovery or other health complications.

Confirm accredited doctors within the plan

Finding physicians, specialists, facilities, and clinics covered by your health insurance plan is crucial for determining if HRT is included in the coverage. While some may assume that male testosterone boosters do not require a doctor’s prescription, it is important to consult a doctor within your plan’s network. These doctors can ensure that you receive the correct supplement and dosage, while also helping you find cost-effective options. Additionally, accredited doctors within your plan can provide regular consultations and referrals to other specialists who can recommend or provide HRT for both men and women. They can also direct you to accredited clinics or medical facilities that offer HRT services. Certain plans have broad coverage terms, allowing doctors to incorporate HRT as a necessary medical therapy for patients’ health and well-being. To confirm the inclusion of HRT in your plan’s coverage, it is recommended to contact your insurance provider.

The growing importance of hormone replacement therapy

HRT is no longer solely considered a therapy for bodybuilding or gender realignment. It is increasingly recognised as a necessary preventive and recuperative medical treatment for conditions such as menopause, osteoporosis, heart disease, and certain types of cancer. As the importance of HRT continues to grow, it is expected that states will universally consider it as part of the coverage provided by all types of health insurance plans.

Focus on menopause

Hormone replacement therapy has evolved significantly over the past two decades, with a growing body of evidence supporting its benefits for menopausal women. Studies have highlighted its effectiveness in relieving menopausal symptoms such as hot flashes, mood swings, night sweats, and vaginal dryness, improving quality of life and wellness, and preventing long-term health complications. With the guidance of updated guidelines and recommendations, healthcare providers can personalize treatment plans to suit each individual’s needs based on age, obesity, cardiovascular risk, and medical history.


Insurance coverage is crucial for individuals seeking hormone replacement therapy (HRT). It is important to review the terms and conditions of your insurance plan, including the Summary of Benefits and Coverage (SBC) and the list of covered drugs, to determine if HRT is included. Additionally, confirming if your plan has accredited doctors who can provide HRT and related services is essential. HRT plays a significant role in improving the health and well-being of patients, and ensuring access to this therapy is essential for promoting better health outcomes.


Medical Disclaimer

NowPatient has taken all reasonable steps to ensure that all material is factually accurate, complete, and current. However, the knowledge and experience of a qualified healthcare professional should always be sought after instead of using the information on this page. Before taking any drug, you should always speak to your doctor or another qualified healthcare provider.

The information provided here about medications is subject to change and is not meant to include all uses, precautions, warnings, directions, drug interactions, allergic reactions, or negative effects. The absence of warnings or other information for a particular medication does not imply that the medication or medication combination is appropriate for all patients or for all possible purposes.

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