So far, the ladies just say it "I'm on my period" and then conversation of what they are comfortable with is next.
The Mr does enjoy playing with ladies on their periods....he even has his 'red wings'. (So he earned the first with me, but he has others now!)

I confess, I just can't seem to get mine.

But fingers and toys have been fun to use. We just put a towel or two down and play.