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Does insurance cover medical marijuana?

Publish Date: September 6, 2021; Author: Darren M. Jorgenson.
Does insurance cover medical marijuana?
Cannabis has always been a fiery topic for discussion in the medical field. However, due to its healing properties, medical marijuana has got its spot in the medical arena. Due to several benefits of medical marijuana, doctors recommend cannabis to patients suffering from anxiety, depression, autism, anorexia, and many more. In this blog, we will discuss if your insurance can cover your medical marijuana treatment?

Does insurance pay for medical marijuanas?

As we know, health insurance companies never pay for something illegal. Even though the government has legalized medical marijuana due to its medicinal properties, still medical insurance companies don’t cover your medical marijuana charges. The primary and foremost reason for health insurance companies not including medical marijuana in their plans is the FDA(Food and Drug Administration). It disapproves of cannabis as a medical drug. Medical insurance companies are not allowed to cover FDA disapproved drugs; that’s why companies can’t claim your cannabis insurance. The reason behind FDA disapproval over medical marijuana is because cannabis has a tremendous risk of addiction. Even though medical marijuana has several health benefits, DEA (Drug Enforcement Administration) has categorized marijuana as a Schedule I narcotic. Other than FDA objection, medical insurance companies deny cannabis insurance due to a lack of proper research on medical marijuana. Although the government has believed in marijuana healings, insurance companies are looking for testing of marijuana over multiple clinical trials and double-blind studies. Due to the less availability of cannabis, it is not possible to perform large-scale clinical trials; subsequently, insurance companies are not showing any interest in covering medical marijuana in their plans.

Looking to Apply for an Medical Marijuana Card

Get Started by following these Steps:

1. Start FIlling up the 420 Evaluations form with your details.

2. Get Evaluated by a Local MMJ doctor once the submission is complete.

3. Get Approved and Receive your Letter In Your Email.

Apply Now

What next if you cannot afford medical marijuana?

Now, if you are a person who cannot afford medical marijuana but you are still helpless to buy medical marijuana due to your medical condition. In that case, you can choose some synthetic form of marijuana. Syndros is an FDA-approved synthetic marijuana drug. Marinol, just like Syndros, is a Schedule III substance, which indicates that it is acceptable for medical use and has low to medium potential for abuse. The health insurance company covers these synthetic medical marijuana drugs. Due to this reason, doctors recommend synthetic marijuana drugs to patients who cannot afford medical marijuana.

Does Insurance Cover CBD Oil?

CBD (Cannabidiol) is a psychoactive compound present in cannabis. It is advised as CBD oil by doctors to patients who have a mental disorder. However, CBD oil doesn’t cover medical insurance; hence there is no CBD Oil policy.

Do dispensaries take insurance?

As we know, marijuana is not legal in all states, and insurance companies can’t cover medical marijuana insurance. Henceforth, dispensaries don’t have any contracts with insurance companies. That is why dispensaries don’t offer any discounts and don’t claim any marijuana insurance policy.


There are several reasons, due to which insurance companies are not able to claim medical marijuana expenses. However, researchers will be able to convince the FDA and get it approved. Soon insurance companies will include medical marijuana in their plans. Even though synthetic medical marijuana drugs are not the same as cannabis and have minimal side effects, FDA approval for Medical marijuana can take long. Until then, you can have synthetic medical marijuana to overcome your medical complications.


  1. Lucas

    Hey, how can I get my medical marijuana card as I am a resident of Pennsylvania?

    • Ava Miller

      Hey Lucas, you will need to follow three simple steps to get a valid medical marijuana card in Pennsylvania. The process is straightforward: just fill in your information with us, get an appointment with our authorized doctor, and receive your recommendation at home after evaluation.

  2. Joseph Tin

    Will medicaid pay for cbd oil?

    • Patricia Samuelson

      No. They will not pay for the CBD oil. As you read in the blog, medical cannabis products are still categorized as Schedule I drug by DEA. That is why health insurance companies or Medicaid will not pay for CBD oil or other cannabis products.

  3. Greg Iaboni

    I have epilepsy. If I carry on smoking marijuana, and later on have a seizure, will medical aid cover the hospital costs?

    • Shea Matthew

      It depends on the health insurance company and the reason for the use of Marijuana. If you have a medical condition for which medical marijuana has been recommended by a licensed health professional, there might be no issues with the health insurance coverage. But if there is no solid reason, the insurer might decide to not cover the hospital costs for your seizure.


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