• Menopause

Are Menopause Treatments Covered by Insurance?

Published: October 21, 2025
Updated: October 21, 2025
4 mins

After decades of underfunding for women’s health research, health experts and lawmakers are considering providing more coverage for menopause treatment. Menopause is about more than feeling occasionally fatigued or irritated. Menopause can change a woman’s quality of life by making it more difficult to complete tasks throughout the day. Common menopausal symptoms like hot flashes, a decline in energy, and trouble sleeping occur as estrogen levels decline.

Despite 75 million women in the U.S. experiencing perimenopause, menopause, or postmenopause, clinical research on menopausal care has continued to be underfunded and lacks support. Many OB-GYN residents in the U.S. have expressed feeling underprepared in helping patients with menopausal care.

Postmenopausal women are often told that the symptoms they’re experiencing are normal and inevitable as they age. However, recent research has found that with effective treatment like hormone replacement therapy (HRT), postmenopausal women don’t have to go through menopause alone.

Around two dozen bills have been proposed in 15 states in the U.S. to support training for clinicians to treat menopause and comprehensive insurance coverage for menopausal treatment. An increase in menopause awareness has the potential to improve how postmenopausal women manage this natural life transition in their daily lives.

What are Menopause Laws?

Menopause laws are current bills being introduced in certain states to increase awareness and support for menopause treatment. It’s one of the few pieces of legislation to find common ground across party lines. 

In 2024, a bipartisan group of senators introduced the Advancing Menopause Care and Mid-Life Women’s Health Act. The focus of this bill is to allocate over 200 million dollars in federal funding to federal research on menopausal care, spreading awareness, and educating the public more on how to address menopausal care.

Over time, more states have considered menopause-related legislation. In 2024, California, Illinois, and Louisiana were the only states considering menopause legislation.

Each menopause law is different based on what each state prioritizes when it comes to menopausal care. Some menopause laws focus more on increasing educational resources on menopause, while others may focus more on training clinicians to treat menopause. 

At the federal level, the House has been introduced to a law intended to improve menopausal care for women. The Improving Menopause Care for Veterans Act of 2025 suggests improvements in menopausal medical services provided by the Department of Veterans Affairs (VA). In this act, the VA is required to report a strategic plan to Congress on how to improve access and the quality of menopausal care for veterans.

What States Are Considering Menopause Laws?

In the past year, legislation geared towards menopause reform has been proposed in 18 states. The following states are a few that are currently considering insurance coverage for menopausal treatment:

• New York

• Pennsylvania

• Michigan

• California

• New Jersey

• Wisconsin

• Nevada

• Massachusetts 

• North Carolina

This list may continue to grow as menopause awareness increases over time. Each of these states is considering legislation ranging from menopause education for patients to workplace protections and insurance coverage. Some states have the legislation still in committee, while others like California, have some menopausal laws passed in the assembly and senate.

In states like California, menopausal health has been included in the coursework for professional education requirements in the healthcare field. Illinois and Louisiana have both mandated insurance coverage for menopausal care.

Potential Menopause Law Changes

States like Rhode Island are among the few states leading the charge of enacting new laws to protect women in the workplace. In Rhode Island, the governor signed a state law that prohibited workplace discrimination based on menopause. Employers are required to provide accommodations and support for women who are experiencing menopausal symptoms. 

Accommodations for menopausal women can look different from state to state. For example, New Jersey introduced a bill to require employers to offer remote work for employees managing a range of health conditions, including menopause.

What Resources Are Available for Updates on Menopause Laws?

Numerous resources exist to provide educational guidance and policy updates for menopausal women. The following are a few non-profit organizations that provide updates on menopausal laws:

• Let’s Talk Menopause: A nonprofit organization committed to getting the public more educated about menopause. Let’s Talk Menopause has an interactive map of menopause bills and legislation in each state.

• A Citizen’s Guide to Menopause Advocacy: This organization keeps an online tracker of updates to legislation across the country.

• The Menopause Education Center: A research-based organization dedicated to helping companies comply with legislation changes related to menopause.

Does Insurance Cover Menopause Treatment?

Insurance coverage for menopausal treatment varies from state to state. The best way to know if your insurance plan covers menopause treatment is to call your insurer directly. Most insurance plans in the U.S., like Tricare, cover HRT for menopause. However, it can be difficult to find healthcare establishments that offer full coverage of HRT treatment. 

If you have Medicare, there is a risk you won’t receive full coverage for HRT. For Medicare plans that do offer coverage, you may also be required to maintain a higher monthly premium. Part D of Medicare does offer some coverage for HRT treatment, based on which plan you choose. Some Medicare plans may require meeting a higher deductible to cover 80% of your HRT treatment.

You can receive different forms of HRT from telehealth platforms as well. However, whether you get a prescription for an estrogen gel, tablet, or injection may affect the price point offered from telehealth platforms and in-person care.  

Where Can I Learn More About Menopause Treatment?

Support for menopause treatment is growing as more people become educated about ways to improve their lives with menopause. With the LifeMD Women’s Health Program, you can receive quality menopausal treatment with guidance from a licensed healthcare provider.

Get started today to protect your hormonal health and skincare.