If you reside in a country where medical marijuana usage was legalized (33 countries and DC at 2019), it is tempting to assume that your health insurance will cover it as with other medications prescribed by your doctor. But you would be incorrect; health insurance will not cover medical marijuana in states where its use was legalized. Why will not health insurance cover for Buy CBD Orlando when it will cover all kinds of different medications, many possibly more dangerous and likely to misuse?
Medical Marijuana Is a Schedule I Drug
Health insurance companies in the United States will not cover whatever that is technically illegal. Most health insurance policies comprise an illegal acts exception stating that health problems occurring because of or in conjunction with your voluntary participation in an illegal action aren’t insured. Though medical marijuana might have been legalized in the country in which you reside, it is still classified by the national government for a schedule I controlled substance according to the Controlled Substances Act. It is still illegal to use Marijuana in relation to national law.
Along with health plan prohibited acts exclusion clauses, yet another issue arises because of bud’s program I designation. Schedule I controlled substances can not be prescribed by doctors.
Physicians who prescribe controlled substances should be registered with the Drug Enforcement Administration and also have a DEA number. Prescribing a schedule I drug, in a country where medical marijuana was legalized, would put a doctor in danger of getting their DEA registration revoked. If medical marijuana was legalized in your condition, so long as it is considered a schedule I drug by the national authorities, prescribing it might place your doctor in danger of losing her or his capacity to prescribe much easy controlled materials such as sleeping pills and cough syrup with codeine.
Because of this, most doctors do not prescribe medical marijuana. In nations which have legalized its use, doctors advocate medical marijuana instead of urge it (Cigna explains the way the physician could write a”certificate” the patient may take into some medical marijuana dispensary). This brings us into stumbling block number two.
Health Insurance Won’t Pay for Medical Marijuana If It’s Not about the Drug Formulary
Even if the U.S. were to alter bud to a schedule II or III medication –thereby enabling its own prescription and decriminalizing its health care usage throughout the nation –your medical insurance company likely still would not cover your medical bud. Similarly, if congressional action were to remove marijuana from the list of controlled materials entirely, your health plan likely still would not pick up the tab to your Alice B. Toklas brownies even when your physician recommended them.
Every health plan has a medication formulary, a listing of drugs it insures for health plan members. Your health plan’s pharmacy and therapeutics committee would need to add bud to its medication formulary before it could be a covered benefit of your health .
It would be highly unusual for a health program to bring a medication to its formulary when the medication has not been FDA approved. Obtaining new drug approval in the FDA requires clinical trials to ascertain the medication’s safety and the medication is successful. Clinical studies are complex and costly to execute. Therefore, when the FDA grants a brand new drug approval, in addition, it grants a time period where the firm granted the new drug approval has exclusive rights to manufacture and market the drug in the United States.
If you believe that it costs a lot today, wait till Pfizer, Merck, AstraZeneca or some other significant pharma firm gains the exclusive right to deliver marijuana to advertise from the United States. Learn Exactly How crafty Major pharma companies are in maintaining prescription drug costs high:
Product Hopping–A Big Pharma Trick to Keep Drug Prices High
How Drug Makers Pay Competitors to Keep Drug Prices High
Without FDA approval, it will not get on your wellbeing plan’s drug formulary, which means that your health insurance won’t cover medical marijuana. The procedure for growing marijuana accepted would almost assuredly involve large pharma, exclusive advertising rights, and exorbitant prices. You may read more about this in a post about marijuana the FDA recently released .
The FDA has, however, accepted Marinol (in 1985) and more recently, Syndros (in 2016). Both comprise a synthetic form of THC. In 2018, the FDA accepted Epidiolex, a CBD oral remedy for treating seizures related to two kinds of epilepsy. Even though these medications aren’t exactly the exact same thing as cannabis, they are sometimes prescribed only as any other FDA-approved medication, also do tend to get covered by medical insurance plans.
Health Insurance Won’t Pay for Medical Marijuana as an Herbal Remedy
If marijuana was reclassified so it was not a controlled substance in any way, it may be accessible without a prescription. But, those who believe that is the reply to obtaining medical marijuana covered by health insurance are misguided.
When a medication becomes available without a prescription, it is eliminated from health program drug formularies and you are likely to pay for this yourself. Does your health insurance now pay you for over-the-counter drugs like Tylenol? Most do not. Does this cover herbal remedies such as St. John’s wort or even echinacea? That is unlikely.
In this circumstance, patients who’d benefit from using marijuana would have the ability to purchase it over-the-counter just like another herbal remedy. Since they’re today, those patients are highly motivated to discover a way to cover themselves. Why would your health insurance plan to set a precedent of paying for over-the-counter medication or herbal remedies you’re ready to cover yourself?
Will Things Change?
In conclusion, there is more than 1 reason why your health plan will not cover medical marijuana. If marijuana was reclassified into a lower program or diplomatic action eliminated it from the record of controlled materials altogether, that would not be like waving a magic wand. Your health program would not magically begin paying for your medical marijuana per month or two afterwards. On the contrary, it would be the start of a long, slow, process.
In the event the procedure ended up with bud having an FDA approved medication, it may become covered by your wellbeing plan for a prescription medication on its own drug formulary. But that could be years, not monthsdown the street. Ifmore surprisingly, bud ended up as a natural remedy not requiring FDA approval, it remains highly unlikely your health insurance will cover it.