Stem Cell Therapy Be Covered by Insurance

When Will Stem Cell Therapy Be Covered by Insurance?

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Stem cell therapy, otherwise known as regenerative medicine, initiates the repair of various tissues with stem cells. This is a type of treatment that’s still in development, which is why it can be quite pricey. That’s why many people wonder – when will stem cell therapy be covered by insurance? While no one can give you a definite answer, we’ve tried to explain this topic as much as possible, according to currently available data. 

What Is the Cost of Stem Cell Therapy?

Stem cell therapy is a type of treatment that’s – for the most part – not yet approved by the FDA. The lack of FDA approval means there isn’t enough data to conclude what the average cost of this treatment is. However, we do know that the price of an injection can range from $1,000 to $6,000 – thus, depending on how many injections you need, your total cost of stem cell therapy can go up to $50,000 (or more, in some cases). 

Where Can You Get Stem Cell Therapy in the US?

Although not yet approved by the FDA, stem cell therapy is technically allowed in private clinics in the US. Many other developed countries have approved this type of therapy, which is why it is argued that the FDA should speed up the approval process. As an answer to this, the FDA has allowed clinics to pool their data together and gain the authorization to provide this treatment by presenting the data jointly. This also allows private clinics a 36-month grace period, which means they can provide stem cell therapy while they participate in these studies – this is the explanation for how the treatment can be allowed when it’s not technically FDA-authorized.

Is Stem Cell Therapy Covered by Health Insurance?

Unfortunately, the answer to this question is no – at least when it comes to treatments that aren’t approved by the FDA. Without this approval, most insurance companies will not cover the treatment. However, there are some ways around this problem. Some insurance companies might agree to cover the costs of non-approved treatments in cases when doctors decide there is enough evidence that the therapy deserves reimbursement. 

The other way to approach this problem is to offer stem cells as an injection under a different name – the one that’s FDA-approved. While this might sound strange, it makes more sense when you understand what is in the injection. For example, some clinics can offer you a so-called fat injection for joint pain, which will consist of stem cells – more precisely, induced pluripotent stem cells that were extracted from the fat tissue. 

When Will Stem Cell Therapy Be Covered by Insurance?

So, when can we expect our insurance policies to cover stem cell treatment? It’s hard to predict this precisely, but one thing we can say for sure is that this depends on the FDA and when they will authorize this treatment option. With the approval, the insurance companies are sure to follow the changes in the policies. 

Currently, stem cell therapy research is at its peak in the US. With numerous clinical trials in progress and the data we have from other countries that have allowed this type of therapy, it is expected that stem cell treatment will be deemed efficient and safe to provide to patients for various diseases. 

Talk to Your Doctor About All the Ways You Can Pay for Stem Cell Therapy

Before you decide this treatment is the right fit for you, be sure to talk with your doctor about the financial aspect. Explore the payment options – check if there are any discounts available or if you can pay in installments. Keep in mind that the cost will vary depending on the severity of your case and how many injections you require. If you want to find out more about stem cell therapy, don’t hesitate to come to our Luxe Foot Surgery clinic and talk to our doctors. Contact us to book your free consultation!


Does the US Allow Stem Cell Treatment?

Some forms of stem cell therapy are allowed in the US, while many are currently being assessed by the FDA. It’s expected that these treatments will be allowed soon, as they are already approved in various developed countries. 

How Do You Pay for Stem Cell Therapy?

Unfortunately, most stem cell therapy options will have to be paid for by the patient, as this treatment isn’t FDA-approved, so insurance companies refuse to cover it.

Why Is Stem Cell Treatment Not Allowed in the US?

The US is currently assessing stem cell treatment, and it’s expected that it will soon be allowed, just like it is in most developed countries.


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