Does Medicare Cover Cervical Artificial Disc Replacement?

Does Medicare cover cervical artificial disc replacement? Currently, disc replacement is only covered in certain areas, so you will need to check to see if it is covered in your area. Even if it does not offer coverage in your area, there are certain insurance companies that do offer coverage for disc replacement.

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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: Apr 8, 2021

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The Highlights

  • Currently, there is no national Medicare coverage for cervical artificial disc replacement.
  • Instead, determinations for coverage are left up to local areas.
  • Other insurance companies do offer coverage for cervical artificial disc replacement.

Does Medicare cover cervical artificial disc replacement? Currently, there is no national coverage. The Centers for Medicare and Medicaid (CMS) do not consider it to be a reasonable and necessary medical procedure for the Medicare population over 60 years of age.

While there is no national coverage for Medicare disc replacement procedures, determinations for coverage are instead left up to local areas. In some places it is indeed covered, so you will need to check with a surgeon in your area to see if it applies.

If disc replacement surgery is not covered in your area, there are still other medical coverage options for cervical artificial disc replacement. In addition, for those who do not qualify for Medicare and are looking for the best ways on how to buy health insurance, we can help.

Looking for other types of health insurance? Enter your ZIP code into our helpful tool above to find a medical plan that works for you, as well as auto insurance, life insurance, and anything else you may need in terms of insurance.

What Insurance Companies Cover Cervical Artificial Disc Replacement?

While Medicare does not cover disc replacement procedures, several insurance companies do. They include:

  • Aetna
  • AmeriHealth
  • Anthem
  • Blue Cross Blue Shield of North Carolina (some states do not cover cervical artificial disc replacement, so be sure to check first)
  • Cigna
  • Himark Blue Cross Blue Shield
  • Humana
  • Molina Healthcare Inc.
  • United Healthcare

Although these companies offer coverage for disc replacements, there are restrictions and qualifications. For example, in most cases, patients must be skeletally mature to have the procedure done. This generally occurs once a person has reached 25 years of age.

There may also be out-of-pocket costs for the procedure. This is why understanding health insurance deductibles are so important. You can also take a look at the best insurance companies.

The above companies can also offer coverage for other disc replacement procedures (elsewhere on the spinal column). If you are someone with damage to more than one disc, check to see coverage options for multi-level cervical disc replacement.

While it may not cover cervical artificial disc replacement, Medicare is still useful for those who qualify. It does cover all sorts of other situations, including other types of back surgery. It’s worth taking the time to research to find what works best for you.

After all, everyone is different and has different needs. It makes sense that people will have different insurance needs, and a little research can save you a lot of money along the way.

If you are looking for other insurance types, enter your ZIP code into our tool below to compare health insurance, auto insurance, or any other insurance you may need to find the plan that fits your needs the best.

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