Insurance must cover Bioidentical hormones as they do pharmaceutical one

HB 4075 requires all health insurers in West Virginia to cover biodentical hormones when medically necessary and prescribed by a licensed physician after a thorough evaluation of the patient's symptoms or test results. The bill applies to all health insurance policies, including group plans, nonprofit corporation contracts, hospital service policies, health care corporations, and health maintenance organizations (HMOs). Insurers must provide this coverage on an expense-incurred basis starting January 1, 2026. This policy change directly affects patients seeking hormone treatment and insurers offering health coverage in the state.