Insurance & Stem Cell Therapy:Coverage Explained
Why your insurance may cover parts of your treatment, even if it doesn’t include stem cells directly.
The Short Answer: Stem Cell Injections Are Not Covered
Most insurance plans, including Medicare and major private providers, do not cover stem cell therapy—especially when derived from umbilical cord tissue. These treatments are often categorized as “investigational” or “non-standardized,” despite a growing body of research supporting their regenerative potential. However, that’s not the whole story.
What Insurance Can Cover: Complementary Therapies
At Stem Cell Therapy Experts (SCTE), we take a comprehensive, integrative approach to healing. Many of the therapies that enhance stem cell outcomes—such as acupuncture, massage therapy, and guided physical therapy—are often eligible for insurance reimbursement.
CPT codes often billable with proper documentation.
Essential for restoring function and mobility.
Custom plans to support long-term recovery.
Available in some states with a medical prescription.
Why Stem Cell Injections Are Still Out-of-Pocket
Stem cell therapies—particularly those using high-viability umbilical cord mesenchymal stem cells (MSCs)—fall outside FDA-approved indications in the U.S. While patients report meaningful outcomes, insurers typically cite a lack of long-term, large-scale data to justify coverage. At SCTE, we maintain full transparency. Each batch of stem cells is lab-expanded, tested for viability (85–94%), and derived from rigorously screened donors.
Dr. Yi Song’s dual PhDs in Pathology and Oriental Medicine allow us to treat root causes, use non-pharmaceutical tools, and apply personalized protocols based on full health histories.
While injections are out-of-pocket, many patients use HSA/FSA funds. Our team can help you pre-authorize adjunct therapies and provide itemized receipts to reduce overall costs.
Explore Pricing Details