Insurance Issues

Your Rights

At the moment, there are no acts or laws in place to ensure women going through menopause receive help managing their symptoms. 

Menopause and Insurance

“Whether or not treatment for your menopause symptoms is covered by insurance depends on the type of policy you have,” says Dr. Mary Jane Minkin, clinical professor of obstetrics and gynecology at Yale School of Medicine and author of A Woman’s Guide to Menopause and Peri-Menopause. “Like most things, the better your coverage, the less you’ll have to pay out of pocket.” To avoid any unexpected charges, she suggests calling your insurance company to find out the different types of treatments they’ll cover before going to your doctor.

How to Save Money on Treatment

Many women don’t need specific treatment for dealing with the symptoms of menopause, according to the U.S. Department of Health and Human Services Office on Women’s Health. However, if your symptoms are painful or uncomfortable enough to require treatment, there are ways to cut down on costs—it just depends on the type of symptoms you’re dealing with. 

“Unfortunately, if you’re looking to treat vaginal dryness, there aren’t really generic options available yet,” says Dr. Minkin. “The topical treatments and hormonal medicines you insert with a tablet or a ring can cost up to $300.” But if you’re starting hormone therapy (usually a combination of estrogen and progestin), you have more options. “There are generic versions of both that are pretty cost-effective,” says Dr. Minkin. “Estradiol is a generic form of estrogen and MPA is generic progestin and they both work well. If you buy the generic estradiol patch, it may not be quite as sticky or pretty as the more expensive one, but it’s still a great option.”

If you don’t have insurance, call your local Planned Parenthood center (plannedparenthood.org). They often offer treatments for menopause management and will likely scale the cost if you’re uninsured.