Insurance must cover Bioidentical hormones as they do pharmaceutical one

HB 2728 requires all health insurers in West Virginia to cover biodentical hormone treatments when determined medically necessary by a licensed physician after proper evaluation of symptoms or test results. The bill applies to all group and individual health insurance policies, including nonprofit health plans and health maintenance organizations, effective January 1, 2025. Insurers must provide coverage on an expense-incurred basis, treating biodentical hormones similarly to pharmaceutical alternatives. This policy change directly affects patients seeking hormone therapy and insurers offering health coverage in the state.