Does Medicare Cover Hormone Replacement Therapy?

Christian Worstell
In this article...
  • Both men and women might have reasons to seek hormone therapy. But does Medicare cover hormone replacement therapy? Get some answers with this short article.

Whether or not Medicare covers hormone therapies is a complex question. First you have to define the exact hormone therapy and what it's being used to treat. You also have to understand which part of Medicare might come into play and check your benefits to understand exactly what is covered. Find out more about whether or not Medicare covers hormone replacement therapy below.

What Is Hormone Replacement Therapy for Women?

Most of the time when people refer to hormone replacement therapy for women, they're referring to a treatment for menopause symptoms. Hormone replacement therapy, or HRT, involves attempting to boost a woman's estrogen levels by adding hormones into her system. Because many menopause symptoms occur due to a drop in estrogen levels, boosting those levels has been shown to improve symptoms.

Hormone replacement therapy can occur in a number of ways. Doctors can prescribe oral medications, patches or topical estrogen creams or sprays. They might also prescribe creams, tablets or rings for vaginal delivery of estrogen.

What Is Low T Treatment for Men?

Men can also experience hormone issues as they age. Testosterone in men peaks around the age of 19 and slowly falls off over time after that. Some men can experience especially low testosterone levels that lead to symptoms including memory issues, fatigue, lower sex drive, sexual dysfunction, hair loss, muscle or bone mass loss and mood issues.

Low T treatments seek to replace some of the testosterone in a man's system. Testosterone hormone replacement therapy can be done via injections, oral or topical gels, patches or a small implant under the skin.

Does Medicare Cover Hormone Replacement Therapy for Women?

Since most of the hormone replacement therapies for women are prescribed items you administer yourself at home, they are considered prescription drugs. This means they're typically covered under the Plan D prescription drug benefit Medicare beneficiaries can choose to purchase as an addition to their hospital and medical coverage.

The only way to know if your Plan D prescription benefit coverage would pay for HRT drugs is to check the formulary for your plan. That's the list of drugs and treatments covered under the plan. If you're not sure, call the customer service phone number for your plan to ask.

You can also compare Medicare Part D prescription drug plans online

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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