{"id":1439,"date":"2021-09-29T15:53:54","date_gmt":"2021-09-29T15:53:54","guid":{"rendered":"http:\/\/CBMiSWh0dHBzOi8vd3d3LmJlbnppbmdhLmNvbS9tb25leS9pcy1tZWRpY2FsLW1hcmlqdWFuYS1jb3ZlcmVkLWJ5LWluc3VyYW5jZS_SAQA"},"modified":"2021-09-29T15:53:54","modified_gmt":"2021-09-29T15:53:54","slug":"is-medical-marijuana-covered-by-insurance-2021-benzinga-benzinga","status":"publish","type":"post","link":"https:\/\/thcinct.com\/?p=1439","title":{"rendered":"Is Medical Marijuana Covered by Insurance? 2021 \u2022 Benzinga &#8211; Benzinga"},"content":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/cdnwp-s3.benzinga.com\/wp-content\/uploads\/2021\/09\/29114715\/stephen-cobb-qzD_H7-Jcj4-unsplash.jpg\" class=\"ff-og-image-inserted\"><\/div>\n<p><strong>Want to jump straight to the quotes? <a href=\"https:\/\/www.benzinga.com\/money\/insurance-quotes\/health\/\">Compare here<\/a> and find the cheapest premium with the best coverage.<\/strong><\/p>\n<div id=\"article-body\">\n<p><a href=\"https:\/\/www.benzinga.com\/money\/best-health-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Health insurance<\/a> covers a wide range of treatments. Some policies even cover alternative treatments like acupuncture. It doesn\u2019t cover medical marijuana, however. Learn more about medical marijuana, what it treats and why it\u2019s not covered by medical insurance. <\/p>\n<h2 id=\"quick-answer-medical-marijuana-and-health-insurance\"><span class=\"tadv-color\">Quick Answer: Medical Marijuana and Health Insurance<\/span><\/h2>\n<p class=\"has-medium-font-size\"><span class=\"tadv-color\">Is medical marijuana covered by health insurance? The short answer here is no. Because marijuana is still federally illegal, healthcare coverage providers have their hands tied when it comes to offering insurance coverage for medical marijuana as a prescription drug. That being said, doctors can help you get your medical marijuana card or recommend medical marijuana as a treatment in states where it\u2019s legal. It\u2019s likely that until marijuana\u2019s scheduled status is changed and the FDA is able to review it and approve it as a <\/span><\/p>\n<h2 id=\"is-medical-marijuana-effective-as-health-care\"><span class=\"tadv-color\">Is Medical Marijuana Effective as Health Care?<\/span><\/h2>\n<p>Many people use medical marijuana to treat a variety of conditions. Pain control is the most common, according to the Harvard Health blog. Many use it to treat chronic pain from arthritis, nerve pain and multiple sclerosis.&nbsp;<\/p>\n<p>Some treatments for pain are addictive or sedating. For example, opiates are addictive, and it\u2019s possible to overdose on them. Opioid-use disorder is a problem in many areas of the country. Pain medications that are sedating make it difficult to complete daily activities, so medical marijuana is an appealing alternative.&nbsp;<\/p>\n<p>People with Parkinson\u2019s disease, fibromyalgia, endometriosis and cancer also use medical marijuana. Cancer patients use it to help with the side effects of chemotherapy. It\u2019s also been found to be effective for relieving the symptoms of HIV\/AIDS and cancer.&nbsp;<\/p>\n<p>Some have also found it effective for mental health conditions like PTSD, depression and anxiety.&nbsp;<\/p>\n<p>While medical marijuana can be helpful, some find it difficult to deal with the side effects, which include headaches, dry mouth, dizziness, drowsiness and fatigue. There\u2019s also a relatively small risk of becoming addicted to marijuana (called marijuana-use disorder).&nbsp;<\/p>\n<p>Be sure to consult your health providers before using medical marijuana to treat these or other conditions. Ask about how it might interact with other prescriptions you take, and don\u2019t stop taking any prescriptions without talking to your doctor.&nbsp;<\/p>\n<h3 class=\"has-luminous-vivid-orange-color has-text-color\" id=\"where-is-medical-marijuana-legal\">Where is Medical Marijuana Legal?<\/h3>\n<p>Medical marijuana is legal in 36 states as of September 2021 \u2014 Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Illinois, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island,&nbsp; South Dakota, Utah, Vermont, Virginia, Washington and West Virginia \u2014 and Washington, D.C. Guam, Puerto Rico and the U.S. Virgin Islands also allow medical marijuana.&nbsp;<\/p>\n<div class=\"bz3-map us-cannabis-laws\">\n<div class=\"bz3-map-container\">\n<div class=\"bz3-map-inner bz3-map-inner__map\">\n<p> <span class=\"bz3-map-legend-indicator\"><\/span><span>Illegal<\/span> <span class=\"bz3-map-legend-indicator\"><\/span><span>Mixed<\/span> <span class=\"bz3-map-legend-indicator\"><\/span><span>Fully Legal<\/span> <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"state-data\" class=\"bz3-map-details\">\n<div class=\"bz3-map-inner shadow-border\">\n<h3 id=\"state-name\">Select a state<\/h3>\n<p><b>Legal Status<\/b><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>State laws vary significantly when it comes to who can qualify to use medical marijuana. In general, you typically need to have a specific condition such as:<\/p>\n<ul>\n<li>Alzheimer\u2019s disease<\/li>\n<li>ALS<\/li>\n<li>HIV\/AIDS<\/li>\n<li>Cancer<\/li>\n<li>Crohn\u2019s disease<\/li>\n<li>Epilepsy<\/li>\n<li>Seizures<\/li>\n<li>Glaucoma<\/li>\n<li>Multiple sclerosis<\/li>\n<li>Chronic pain<\/li>\n<\/ul>\n<h2 id=\"does-insurance-cover-medical-marijuana\"><span class=\"tadv-color\">Does Insurance Cover Medical Marijuana?<\/span><\/h2>\n<p>While recreational and medical marijuana is legal in many states, it\u2019s still an illegal Schedule I drug on a federal level. That means health insurance companies will not cover it because it\u2019s technically illegal. Doctors also can\u2019t prescribe medical marijuana. They can recommend it as long as they\u2019re following the protocols for medical marijuana in their state, but not all doctors will.&nbsp;<\/p>\n<p>Medical insurance companies also won\u2019t cover medical marijuana because it\u2019s not on their drug formularies. With health insurance, prescription medications are listed on a formulary. The formulary determines what prescriptions will be covered and how much the insurance company will pay toward those prescriptions.&nbsp;<\/p>\n<p>Prescriptions are typically only added to a formulary if they\u2019re approved by the Food and Drug Administration (FDA). It\u2019s unlikely that medical marijuana will be approved by the FDA anytime soon. One of the biggest hurdles to FDA approval is a lack of research. Marijuana is difficult to research because of its status as a Schedule I drug. As long as it\u2019s illegal on the federal level, it will be extremely difficult to research. Without research on safety and efficacy, the FDA won\u2019t approve it.&nbsp;<\/p>\n<p>Even if medical marijuana is legalized on the federal level, it\u2019s possible it won\u2019t be covered by health insurance. After all, many medications aren\u2019t covered by insurance, including herbal remedies, vitamins, pain relievers and cold medicine. Health insurance companies may find that dealing with all the different strains and delivery methods involved with medical marijuana is too complex to add to their formula and not cover it.&nbsp;<\/p>\n<h3 id=\"fda-approved-synthetic-thc-medications\"><span class=\"tadv-color\">FDA-Approved Synthetic THC Medications<\/span><\/h3>\n<p>The FDA-approved medications that contain a synthetic form of THC, one of the compounds found in medical marijuana, include:<\/p>\n<ul>\n<li>Marinol: This drug is used to treat nausea and vomiting from chemotherapy and loss of appetite and weight loss in people with HIV.&nbsp;<\/li>\n<li>Cesamet: Like Marinol, Cesamet is also used to treat severe nausea and vomiting from chemotherapy.&nbsp;<\/li>\n<li>Syndros: This is also used to treat nausea and vomiting from chemotherapy and loss of appetite in people with AIDS.&nbsp;<\/li>\n<\/ul>\n<p>The FDA also approved <a href=\"https:\/\/www.fda.gov\/news-events\/press-announcements\/fda-approves-first-drug-comprised-active-ingredient-derived-marijuana-treat-rare-severe-forms\">Epidiolex<\/a> in 2018. Epidiolex is a cannabidiol (CBD) oral solution used to treat seizures associated with 2 rare forms of epilepsy.&nbsp;<\/p>\n<p>All of these FDA-approved medications can be covered by insurance and may appear on a health insurance company\u2019s drug formulary.&nbsp;<\/p>\n<h3 id=\"what-about-cbd\"><span class=\"tadv-color\">What About CBD?<\/span><\/h3>\n<p>CBD is another compound found in medical marijuana. CBD is often sold on its own because it doesn\u2019t cause the high associated with THC. Some feel it\u2019s an effective remedy for pain and other health conditions on its own. Many stores, including grocery stores and pharmacies, carry CBD. Dispensaries may also carry CBD products as well as products with both THC and CBD.&nbsp;<\/p>\n<p>Like medical marijuana, people use CBD for a range of health conditions. They include:<\/p>\n<ul>\n<li>Pain<\/li>\n<li>Inflammation<\/li>\n<li>Multiple sclerosis<\/li>\n<li>Epilepsy<\/li>\n<li>Crohn\u2019s disease<\/li>\n<\/ul>\n<p>CBD also isn\u2019t covered by health insurance. Although it\u2019s legal and doesn\u2019t have the psychoactive side effects that THC does, it\u2019s considered a supplement, so health insurance plans don\u2019t cover it.&nbsp;<\/p>\n<h2 id=\"benzinga\u2019s-best-health-insurance-companies\"><span class=\"tadv-color\">Benzinga\u2019s Best Health Insurance Companies<\/span><\/h2>\n<p>Although health insurance doesn\u2019t cover medical marijuana, it does cover many other services and prescriptions. Here are Benzinga\u2019s picks for the best health insurance companies.&nbsp;<\/p>\n<h2 id=\"covering-the-costs-of-medical-marijuana\"><span class=\"tadv-color\">Covering the Costs of Medical Marijuana<\/span><\/h2>\n<p>Because medical insurance doesn\u2019t cover medical marijuana, you\u2019ll need to pay for it yourself. Be sure to follow your state\u2019s protocols for buying medical marijuana. Typically, you\u2019ll need to meet with a doctor to get a recommendation for medical marijuana. When you meet with your doctor, discuss your specific conditions and ask whether the doctor recommends any specific strains or delivery methods. Strains vary significantly in their effects on the body and mind, and some might be better suited to your needs than others. You also don\u2019t have to smoke medical marijuana. There are patches, creams, edibles and other options that might be more comfortable. Some states limit which options are available.&nbsp;<\/p>\n<p>If you have the option, visit or talk to multiple dispensaries. Discuss what your doctor recommended and what you\u2019re looking for. Get prices for the products you\u2019re interested in. Choose a dispensary that offers excellent customer service (and delivery if you need it) and a competitive price on the products you need.&nbsp;<\/p>\n<p>If you\u2019re new to medical marijuana, keep track of what you take, how often you use it and how it impacts your symptoms. This information can help you determine whether it\u2019s working for you and whether you need to make adjustments.&nbsp;<\/p>\n<h2 id=\"frequently-asked-questions\"><span class=\"tadv-color\">Frequently Asked Questions<\/span><\/h2>\n<section class=\"faq bg-white p-2 boder-blue-light_10 border rounded mt-4 mb-5\">\n<div class=\"bnz-que-ans-wrapper mb-4\">\n<div class=\"bnz-question-wrapper flex\">\n<p><h3 class=\"text-blue-light_40 font-manrope text-blue-nocollight_30 text-sm not-italic w-full leading-5 m-0 font-bold \">Does medical insurance cover CBD oil?<br \/>\n<\/h3>\n<\/p><\/div>\n<div class=\"bnz-answer-wrapper flex mt-2 faq-answer defaultpanel\">\n<div class=\"bnz-answer-content flex items-center pl-4 \">\n<div class=\"text-blue-light_40 font-manrope text-blue-nocollight_30 text-sm not-italic w-full leading-5 m-0 font-medium\">\n<p><span>Medical insurance doesn\u2019t cover CBD oil. Oil is a popular way to take CBD, and you can either add it to food or take it orally. There are also CBD capsules, gummies, lotions and more. Because CBD is so widely available, it\u2019s even easier to price shop and find an affordable option that meets your needs.&nbsp;<\/span><\/p>\n<\/p><\/div>\n<p> <a>Answer Link<\/a> <\/div>\n<\/p><\/div>\n<\/div>\n<div class=\"bnz-que-ans-wrapper mb-4\">\n<div class=\"bnz-question-wrapper flex\">\n<p><h3 class=\"text-blue-light_40 font-manrope text-blue-nocollight_30 text-sm not-italic w-full leading-5 m-0 font-bold \">Do dispensaries take insurance?<br \/>\n<\/h3>\n<\/p><\/div>\n<div class=\"bnz-answer-wrapper flex mt-2 faq-answer defaultpanel\">\n<div class=\"bnz-answer-content flex items-center pl-4 \">\n<div class=\"text-blue-light_40 font-manrope text-blue-nocollight_30 text-sm not-italic w-full leading-5 m-0 font-medium\">\n<p><span>Dispensaries don\u2019t take insurance. They also don\u2019t usually take credit or debit cards. You\u2019ll typically need to pay for any purchases with cash.&nbsp;<\/span><\/p>\n<\/p><\/div>\n<p> <a>Answer Link<\/a> <\/div>\n<\/p><\/div>\n<\/div>\n<\/section><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Want to jump straight to the quotes? Compare here and find the cheapest premium with the best coverage. Health insurance covers a wide range of treatments. Some policies even cover alternative treatments like acupuncture. It doesn\u2019t cover medical marijuana, however. Learn more about medical marijuana, what it treats and why it\u2019s not covered by medical insurance. Quick Answer: Medical Marijuana and Health Insurance Is medical marijuana covered by health insurance? The short answer here is no. Because marijuana is still federally illegal, healthcare coverage providers have their hands tied when it comes to offering insurance coverage for medical marijuana as&#8230; <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-1439","post","type-post","status-publish","format-standard","hentry","category-connecticut-cbd-news"],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/thcinct.com\/index.php?rest_route=\/wp\/v2\/posts\/1439","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thcinct.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thcinct.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thcinct.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thcinct.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1439"}],"version-history":[{"count":0,"href":"https:\/\/thcinct.com\/index.php?rest_route=\/wp\/v2\/posts\/1439\/revisions"}],"wp:attachment":[{"href":"https:\/\/thcinct.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1439"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thcinct.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1439"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thcinct.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1439"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}