Health Insurance - Required Coverage - Hormone-Related Care

HB 1435 requires Maryland health insurance companies, nonprofit health plans, and health maintenance organizations to cover hormone-related care for perimenopausal and menopausal symptoms. This includes hormone therapy, hormone-modulating medications, related lab testing, and clinical visits, with coverage not denied based on diagnosis (like menopause symptoms), age, or prior treatment history. The bill prohibits extra approval steps, stricter limitations, or higher costs for this care compared to similar treatments. It also mandates that coverage decisions follow evidence-based guidelines and the treating provider’s clinical judgment, ensuring timely access to care.