Endless debates continue for years about the benefits of medical marijuana in treatments. Use of marijuana is legal in some states for medical and reactional purposes. However, a health insurance plan for medical marijuana is still a hot topic for discussion. Medicare doesn’t cover medical marijuana, even in a state where the use of marijuana is legal.
General Cover and Health Insurance Plans
Almost every health insurance plan depends on your medications and hospital expenses. Concerning medicines, you have to find out specific drugs that are covered under your insurance plan. Carefully read your policy to Know more about private hospital cover. Before enrolling in a plan, you must have details of generic and special medicines to cover.
Medical Marijuana
Medical marijuana is beneficial for the treatment of particular ailments or alleviates symptoms of diseases and injuries. Clinical Research is needed to prove the benefits and side effects of a cure. The popularity of medical marijuana is consistently increasing for the treatment of children with terminal and life-altering illness. There is a consistent controversy surrounding the medicinal uses of cannabis.
CBD Oil
CBD (Cannabidiol), a natural compound in cannabis plan, works along with cannabinoids compound. It also contains THC (delta-9 tetrahydrocannabinol). CBD is a non-psychoactive compound in marijuana. It doesn’t modify your mindset similar to THC. CBD oil, famous for its medical benefits, is not extracted from marijuana. It is derived from hemp that lacks the modifications of marijuana plants. Remember, hemp and marijuana hail from similar cannabis sativa plant.
CBD oil is beneficial for the treatment of inflammation and pain. Some states approve the use of CBD oil because it lacks psychoactive abilities.
Cover and Use of Medical Marijuana
Insurance cover is not available even for medical marijuana. Health insurances are not covering medical marijuana. The cannabis is classified at a national level as a controlled substance Schedule 1. Not anything in Schedule 1 can be prescribed legally. Schedule 1 drugs or substances that have a high potential for abuse. However, several states approve the use of marijuana in medical treatments. Patients should pay the treatment expenses out-of-pocket.
Moreover, health insurance organizations need a clinical researched drug to determine what is suitable to cover. Even in the presence of personal anecdotes and medical studies for the advantages of medical marijuana, there is a lack of firm clinical reports.
Patients with low-income may bear these expenses because of lack of coverage. Several prescription drugs get approval from the FDA even with marijuana ingredients. The USA may not approve every drug, but health insurance firms cover some medicines considering that the FDA approves them.
Status of Medicare
Drugs of Schedule 1 are banned from any state or federal research grants. Medicare only provides researched, verified medical treatments. The process of approval from the Food and Drug Administration may take extensive studies and several years. Even with Medicare C Plan, you can’t get cover for medical marijuana. As a result, the patient has to pay the full price of treatment with medical marijuana. Make sure to buy your medicine from officially licensed dispensaries.
