As you grow older, it becomes clearer each day that you need to start pulling your weight. This means you can no longer depend on your parents, guardians, or folks at home to cover your health protection costs. Among others, you start asking yourself questions such as: “Does insurance cover CBD oil?”

Sadly, keeping your health in check and safeguarding it against emergencies can be costly. Insurance helps, but it can still be really complicated. This is evident in multiple areas. 

One such area is where cannabidiol is concerned. The compound has quite an amount of health benefits. For this reason, it is becoming more and more popular each day. 

It makes absolute sense if you want to use the compound to get rid of some minor challenges you might face. However, does insurance cover CBD oil?

In this article, we’ll help you break down the finer details of the complicated insurance world and whether it supports your CBD needs. But first, 

Why Would You Need CBD?

Before the 2018 farm bill that reduced the stigma on CBD, people already had their suspicions about its benefits. There were different scientists studying its potential effects and usefulness.

After that bill came around, it was like breaking a dam. People started using medicinal hemp for different reasons. 

One of those reasons is that it is a health and wellness product. It can help to alleviate minor discomfort, among many other things. It could also function to reduce stress. These are the major reasons you might want to consider using cannabidiol. 

However, beyond that, science has looked at the other possible ways CBD can be used. For example, some research shows that the product might come in handy for pain and anxiety.

However, it is important to note that these aren’t conclusive enough to go on. You cannot, and we’re particular about this, use the substance to cure your pain or anxiety because the FDA hasn’t approved it for doing so.

The research on the topic is still just that – research. 

The major thing that’s concrete about CBD is Epidolex. This drug contains CBD and is useful when an individual is dealing with certain types of epilepsy.

It’s been approved and is sometimes used by doctors. Other than that, the FDA hasn’t rolled out all forms of CBD for different health challenges.

If you want to understand how CBD can help you, it is best to consult your doctor first. Having gone through that, 

Does Insurance Cover CBD Oil?

The answer to that question is a fairly simple no. It’s unfortunate, but it’s the truth. 

You see, cannabis is still considered a Schedule I substance by the DEA. This means that the experts are uncertain about its medicinal value. This is despite all the research that shows its potential benefits. 

For this reason, cannabis and its related products are still having a bit of a hard time getting as much traction as they deserve in the market. This is even though CBD is now a legal substance, albeit with some restrictions. Thankfully, the government is slowly starting to see the benefits that the compound has for humans.

Additionally, you should know that insurance companies need a way to make money by offering CBD oil as a part of their insurance package. After all, insurance is a form of business. Unless your insurance company can make money off insuring your CBD oil, they’ll likely not insure it. 

Sadly, there aren’t that many ways they could get a substantial amount of profit from CBD. For this reason, your insurance company might be reluctant to help.

Finally, and perhaps most importantly, it has to be medically important for your insurance company to cover something. This is the same reason they don’t cover many cosmetic procedures.

If your doctor doesn’t recommend CBD oil to take care of something for you, your insurance company might not handle it. Unfortunately, many doctors across the country haven’t started prescribing CBD yet. 

For all these reasons, it’s evident that insurance companies do not offer coverage on CBD oil. You’d have to cover those costs yourself. With that being the case, you should know that it’s your responsibility to guarantee your product’s quality before buying it. 

Since it’s your money on the line, it only makes sense that you check first. 


Many people often wonder, “does Insurance cover CBD oil?” in this piece, we’ve been able to break it down for you and help you understand why. In summary, it’s your responsibility to handle your CBD oil costs. 


  1. 2018 Farm Bill. United States Senate Committee On Agriculture, Nutrition, & Forestry. Accessed March 5, 2021, at
  2. Drug Scheduling. United States
  3. Drug Enforcement Administration. Accessed March 5, 2021, at

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