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CBD Oil and Your Insurance Claim: What You Need to Know

For many years, there have been a lot of debates about the use of marijuana as a treatment option. Although research has shown that marijuana can be used to combat many ailments, there has been a lot of resistance. However, some states have approved and legalized the recreational and medical use of cannabis. Even so, the coverage of medical marijuana by the various health insurance available remains a topic of discussion and controversy.


The cannabis plant has over four hundred compounds, but Cannabidiol (CBD) and tetrahydrocannabinol (THC) are the most common. THC is associated with the psychotic effects of marijuana. However, since the CDB compound is non-psychoactive, it is recommended for medical use. Several studies have proven that CBD oil can be used to treat a variety of medical conditions such as pain and inflammation.

While researchers are still testing its possible uses, it’s important to remember that CBD oil still contains THC, and is considered a narcotic in many states. Despite this, the lack of psychoactive abilities and the immense health benefits of it is the reason why some states have approved the medical use of CBD and not the recreational use of marijuana.

Health Insurance and Medical Marijuana

While medical marijuana is increasingly becoming popular in the United States, many people are wondering whether their health insurance will cover cannabis as a treatment option. Under most health insurance covers, the medication used in the treatment is indicated.

One of the primary reasons why most insurance companies have remained adamant about medical marijuana is because it has not been approved yet by the Food and Drug Administration (FDA) as medicine. Under the United States laws, private insurance providers, Medicare and Medicaid are only required to cover medications that have been approved by FDA. Also, according to the Drug Enforcement Administration (DEA), marijuana is classified as Schedule I narcotic.

Another reason why most insurance companies do not cover medical marijuana is due to the lack of sufficient clinical research. Although there have been some studies conducted to determine the viability of marijuana in medical use, the clinical-based evidence is still scarce. The lack of extensive research on marijuana is mainly because of the illegal classification under DEA. Therefore, the government cannot release money to research an illegal drug. Even if the money was available, conducting the research would be illegal due to lack of authorization.

The lack of insurance coverage on medical marijuana will require patients to cover any treatment option that involves cannabis. However, some prescription drugs approved by the FDA contain ingredients derived from marijuana.

Final Thoughts

In conclusion, a lot of chronic ailments can be combated using medical marijuana. Therefore, the government should review the classification of marijuana as a narcotic drug. Other countries such as Canada and Netherlands are embracing the limitless benefits of medical marijuana.

Author Harper Harmon is a freelance writer and blogger who focuses on business, health and other various topics. She graduated with a bachelor’s degree in communication from UCLA and currently resides in Santa Cruz with her dog, Sassy.

Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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