Stem Cell Treatments and Insurance Coverage

Stem cell treatments have quickly been rising in popularity because of the promise they show in research and trials. However, currently, there is only one stem cell treatment approved by the FDA causing all other stem cell treatments currently available as a treatment to be kept at a trial level. This can often limit options when it comes to stem cell treatments.

Insurance Coverage

To put it plainly, stem cell treatments are not currently covered on insurance. If you find one that covers stem cell treatments, you have one awesome insurance company. This is largely due to stem cell treatments not being covered by the FDA. This means that insurance companies will see these treatments as having a higher risk which could potentially cause a problem for insurance companies. However, it is important to note that there is always an out-of-pocket expense even if a patient has insurance. There’s a deductible that all patients must pay per year before the insurance coverage will officially kick in and cover the rest. This cost, alone, often ends up being more than a patient will pay for stem cell treatments.

Check with your nearest stem cell treatment clinic to see what treatments they suggest for you and how much they will cost. Check to see if these treatments will be ongoing and try to ensure you know the total cost. Compare this to your deductible on your insurance plan (which is the amount you would be paying out of pocket either way) and see if it’s worth it. More times than not, the stem cell treatments are well worth the cost you will be paying out of pocket which is why they’re so popular despite the FDA not endorsing them quite yet.


There have been many stem cell treatments rejected in the United States, however, many of these are approved in other countries. Many people have taken to traveling to these countries in order to either afford the treatments or have access to them in general. Sometimes insurance companies will approve treatments that aren’t specifically on their list of covered options. This is called a pre-approval. They usually base their decision on the patient’s past health and treatments along with the doctor’s previous record. This may be a bit of a slower process but, can often time be worth it. This option isn’t always guaranteed to result in positive results, however, it’s worth the effort to see if it turns into a viable option.

Overall, stem cell treatments are changing the world of medicine in many ways. Not everyone including the FDA are very quick to believe how amazing they can be. However, researchers and patients that have witnessed these stem cell treatments are “sold” on their usefulness. There is much work and research still to be done on stem cell treatments and they continue to wow researchers and patients alike.

By |2019-01-30T13:10:03+00:00January 30th, 2019|Stem Cell Therapy, Stem Cell Treatment|0 Comments