Why doesn’t insurance cover Stem Cell Treatments or Regenerative Medicine?

There are a few different takes on why insurance companies do not pay for Stem Cell treatments or injections. The main reason references the Medicare guideline, section 2251.3: “A treatment plan that seeks to prevent disease, promote health, and prolong and enhance the quality of life; or therapy that is performed to maintain or prevent deterioration of a chronic condition is deemed not medically necessary” -- Sounds more like Med “I Don’t Care”  

Even if you don’t have Medicare, most insurance companies follow Medicare guidelines, which essentially says, because it’s a regenerative process and even preventing further deterioration that Medicare will not pay for it. Stem Cell therapy is also considered a “natural” treatment because it is not a medication and it does not require surgical intervention, therefore; insurance companies do not the treatments.

The upside, most of our stem cell treatments cost less than most insurance deductibles. We also offer in office no interest financing to make it as easy for you as possible during your visit.

We can no longer rely on insurance companies to dictate what type of care and treatments we can receive. It is up to YOU how you want to treat your body and pain, not an insurance company. It is time we move beyond the old medical model of treating with medication and surgery; and start using regenerative medicine to help you achieve your functional goals.  

Author
Dr. Casey McNinch, PT, DPT is a Physical Therapist with expertise in working with the aging population, individuals with Parkinson's Disease, and individuals with neck and low back injuries.

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