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Does Health Insurance Cover CBD Oil?

CBD or Cannabidiol has become the buzz word for all the right reasons. In particular, CBD oil has seen a surge in popularity and usage over the few years with visible results.

The scientific community has been researching the potency and benefits CBD provides to patients with mental illness and others. Luckily, there is substantial scientific evidence backing the claims made about the various benefits of CBD oil. 


However, with CBD oil being sold at a high price tag has been raising an essential question within the potential buyers – which is, “Does health insurance cover CBD oil?”

Healthcare in many countries comes at a hefty price, and with the majority of the population struggling to gain access, they are always on the lookout for alternatives, and CBD oil, at the moment, seems out of reach as well.

The inability to afford CBD oil diverts the customers to a cheaper option that proved to be ineffective. 

Due to CBD oil’s high prices, patients have been observed asking their doctors about a cheaper solution, if available. There is a significant factor of obliviousness within the customers who haven’t been doing their research in finding the best CBD store online that sells CBD oil at reasonable and commercial rates and sources their products from reliable manufacturers. 

Nonetheless, that is for some other topic. For now, we are discussing the generally high prices of CBD oil, whether health insurance covers it or not, and what are the options that are at our disposal. 

How Health Insurance Works By eHealth

Does My Health Insurance cover CBD Oil?

A straight forward answer to this question would be ‘no.’ The health insurance on CBD oil does not exist at the moment. Currently, there are no health insurance companies in the United States that will cover CBD oil or even marijuana, even though the doctors themselves have prescribed it. 

Now coming to the physicians and doctors prescribing CBD oil treatment to their patients – it is observed how their patients are showing improvements within their condition through the use of CBD oil – which is encouraging the doctors to recommend CBD oil as a treatment in combination with conventional medicine.

Why Won’t Health Insurance Cover the Cost of CBD Oil?

As great as the results have proven for many patients, the question of insurance on CBD oil remains with an unfortunate answer. Health insurance will not cover the costs even when a patient is handed over a prescription.

All of this is because of two dominating obstacles that prevent health insurance companies from covering CBD oil or similar treatments. 

This creates a sense of frustration because many other pharmaceutical drugs have been approved, including a pool of small and high price tags. Regardless, the two factors influencing the health insurance companies are as follows:

The first obstacle is the U.S. Food and Drug Administration (FDA). Whenever a new drug is released, it needs to seek the FDA’s approval before the doctors can start recommending or administering it to their patients.

Now what sticks out like a sore thumb is that the FDA is all about pharmaceutical products and has little to no interest in products or medicinal drugs that are created from natural resources.

This disinterest leads to not being approved by the FDA, making health insurance companies obligated not to cover CBD oil. 

The second obstacle is that FDA considers the CBD oil, much like marijuana, to be a Schedule 1 controlled substance. 

Just a small piece of information on what Schedule 1 is: Schedule 1 drugs are considered and classified as one of the most dangerous drugs with severe psychological and physical dependencies. 

Hence, for legal administration, the doctors would require steadfast and official approval from the FDA.

Let’s come to what are our remaining options and what can we do with them?

What Are the Options for the Patients?

For the moment, the patients seeking treatments including CBD oil and other CBD based products will have to rely on their own pockets. There is currently no financial aid or health insurance that would cover the cost of your CBD oil purchases. With the high prices of CBD oil, this remains a considerable concern of the consumers and the prescribers. 

For this reason, it is advised to be careful where you purchase your CBD products from. Many CBD online stores would claim to be the best, but you need to know how to find the most authentic one. 

Here are a few things you can keep in mind when browsing through many CBD online stores claiming to have the best goods and under competitive prices. 

  • Transparency; the website in question would have all the details visibly listed, including where their products are manufactured from. 
  • Should be THC-free, Non-GMO, and Gluten-free
  • Their prices will be comparatively lower but not too low; otherwise, they could be fake or less effective. 

Frequently Ask Questions

Will there be any coverage of CBD oil in the future? 

The answer to this is not a definite ‘yes’ or a ‘no’ but a ‘maybe.’ With the rapidly growing scientific research showing the power of CBD oil, the FDA would certainly consider reviewing in the future.

The answer to this is stated by Cristina Buccola, an attorney expert in the cannabis industry, “However, we’re still waiting for the USDA to create the final rules regarding the legality of hemp products, which means CBD isn’t yet legal in every state.”

While severe side-effects haven’t been reported, there have been experiences of drowsiness, dry mouth, and lightheadedness. 

CBD is legal in Canada and you can even buy it without a prescription. However, you will have to pay 15% more for CBD oil as compared to the US marketplace. 

Medicare doesn’t cover CBD as in the United States it has been labeled as Schedule 1 drug by the FDA. For this reason, Medicare doesn’t cover CBD oil or any other CBD based products. 

No, Medicaid or any other insurance will not pay for CBD oil as it has not been approved by the FDA. 

Since medical cannabis is considered as a classified Schedule 1 drug, the doctors are legally bound to not prescribe CBD oil. However, they recommend the usage. 


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