Does Insurance Pay for Stem Cell Treatments?

does insurance pay for stem cell treatments

Whenever a patient has a medical condition, one of the most common concerns is the potential cost of treating the condition. Stem cell therapy has advanced tremendously in recent years, offering people suffering from shoulder arthritis, rotator cuff tears, and other joint-related injuries relief without the risks of surgery. However, stem cell therapy still qualifies as an experimental medical procedure, so health insurance carriers will not cover it.

Whenever a patient has a medical condition, one of the most common concerns is the potential average cost of treating the condition. Stem cell therapy has advanced tremendously in recent years, offering people suffering from shoulder arthritis, rotator cuff tears, and other joint-related injuries relief without the risks of surgery. However, stem cell therapy still qualifies as an experimental medical procedure, so health insurance carriers will not cover it.

If you are interested in stem cell therapy but are concerned about its ineligibility for coverage under your current health insurance plan, don’t worry. Modern stem cell therapy providers offer their patients individualized consultations and various financing options so they can experience relief without a massive initial investment. Many patients who decide to pursue stem cell therapy find the procedure to be well worth the investment once they start experiencing the results for themselves.

How to Pay for Stem Cell Therapy Without Insurance

Medical costs in the United States are notoriously high, and medical debt is one of the leading causes of personal bankruptcy in the US. This may cause some individuals to worry about paying for stem cell therapy if their employer-provided or private health insurance plans will not cover any of the stem cell therapy costs. However, modern stem cell therapy providers strive to offer individualized cost breakdowns to their patients during their initial consultations.

Most patients who decide to pursue stem cell therapy to overcome the symptoms of shoulder arthritis, rotator cuff injuries, and other joint-related medical problems find that financing options greatly relieves the financial burden of paying for a medical procedure out of pocket. Providers generally base their pricing for stem cell therapy around several factors, including:

  • The extent of the patient’s condition.
  • The amount of stem cells the patient will require for successful treatment.
  • The number of physical sites for which the patient needs treatment.
  • The length of time the patient has had his or her condition.

After assessing these factors, most providers generally charge between $900 and $6,000 for stem cell therapy. Some patients requiring multiple treatments may decide to space out their procedures to lower the initial financial burden, but it is ultimately an individual choice.

Things to Remember About Stem Cell Therapy

Stem cell therapy is not suitable for everyone. Patients with active cancers, infections, and histories of bone marrow-related cancer may not undergo stem cell therapy. Patients with blood-related diseases and severe anemia are also unsuitable candidates. It is essential for anyone considering stem cell therapy to consult with an experienced treatment provider for an individualized breakdown of medical and financial eligibility for treatment.

Recent clinical trials and research into stem cell therapy have shown promising results, with many patients undergoing stem cell therapy and reporting significant improvement, including a decrease in their symptoms. Hopefully, as more research concludes and the technology behind stem cell therapy improves, treatment options will become more accessible and more affordable, and eventually health insurance carriers will understand the value this treatment option could provide to their policyholders. If you are interested in stem cell therapy for a shoulder injury, consult with an experienced provider about your eligibility and the possible cost of your stem cell treatment.

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