Does Medicare cover CBD oil?

Does Medicare cover CBD oil? Despite the growing popularity of CBD oil this substance is still not federally legal. Medicare will not cover CBD oil. However, there is one seizure medication that includes CBD oil, and has been approved by the FDA. In this case your Medicare Part D coverage may cover this medication. Read more to find out why Medicare won't cover CBD oil, and how CBD oil could potentially help you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 26, 2021

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The Highlights

  • In recent years the use of CBD oil to treat a wide variety of ailments has become more and more commonplace
  • Studies have shown that CBD can be effective at reducing inflammation and treating pain
  • CBD (Cannabidiol) is the active ingredient in the marijuana plant, but unlike THC it is not psychoactive (it won’t make you high)
  • Despite the growing popularity of CBD oil, it is not legal federally, but all 50 states allow the sale of products containing CBD

You may have heard about CBD oil and the positive effects it can have for pain treatment, restful sleep, and so much more. Does Medicare cover CBD oil? How can I use CBD oil to treat pain?

We’ll answer the questions you have about CBD oil and your health insurance coverage below. Just remember, that while CBD oil is gaining in popularity, and early studies have shown positive results for CBD oil use, this has not been approved by the FDA to treat any condition.

Are you ready to buy health insurance or Medicare coverage? Enter your ZIP code above to compare Medicare rates and health insurance quotes in your local area.

Will Medicare cover CBD oil?

Unfortunately, the answer is, no. Medicare will not cover CBD oil. Currently, CBD oil is not even legal on the federal level (even though all 50 states allow CBD products to be sold). Also, the FDA has not approved CBD oil to be used as a treatment.

Due to these circumstances, Medicare will most certainly not cover CBD oil. However, research is ongoing and the results thus far have been exceedingly positive. It is possible, therefore, that once CBD oil is legalized on the federal level that it could be FDA approved and then covered under Medicare.

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Does Medicare cover CBD oil if it is a component in a medication I take?

Currently, CBD oil is used in one FDA approved medication and that is Epidiolex. This medication is used to treat seizures. This medication is covered under Medicare Part D if it is listed as covered under your insurance’s covered medications.

Medicare Part D is an add-on coverage designed to cover prescription drugs. How much does Part D coverage cost? This depends on your income, but you will have to pay for Medicare Part D.

Cost of Medicare Part D Coverage Based on Income
Your Average Monthly Rates (2021)Required Income for Rates if You File an Individual Tax ReturnRequired Income for Rates if You File a Joint Tax ReturnRequired Income for Rates if You File Married & Separate Tax Return
Your plan premiums$88,000 or less$176,000 or less$88,000 or less
$12.30 + your plan premiumsabove $88,000 up to $111,000above $176,000 up to $222,000not applicable
$31.80 + your plan premiumsabove $111,000 up to $138,000above $222,000 up to $276,000not applicable
$51.20 + your plan premiumsabove $138,000 up to $165,000above $276,000 up to $330,000not applicable
$70.70 + your plan premiumsabove $165,000 and less than $500,000above $330,000 and less than $750,000above $88,000 and less than $412,000
$77.10 + your plan premiums$500,000 or above$750,000 and above$412,000 and above
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As you can see your Medicare Part D coverage costs more when your annual income is higher. Medicare.gov can help you answer further questions regarding Medicare Part D coverage.

What is the best way to use CBD oil?

Many people want to know how to use CBD oil for pain treatment. The best way to take CBD oil is to drop a few drops in your mouth. Wait and see how you feel, and then you can take a few more drops if you want to.

It is important to note that this information is not medical advice, nor has the FDA approved CBD oil as a treatment for pain. However, a lot of people have found pain relief while using CBD oil.

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