Stem cell therapy is a rising star in the treatment methods for various debilitating diseases and illnesses. It can help treat everything from leukemia to diabetes. However, such treatments’ costs vary from a modest $2,500 to a staggering $100,000 and up.

It is also not suitable for everyone and is not a magical ‘instant cure’ for every condition. If you have active cancers, infections, or a history of bone marrow cancers, stem cell therapy might not work. As an addition, those with blood-related conditions might also end up on the ‘no treatment’ list for stem cells. This is due to the risks attributed to their illnesses.

What Are Stem Cells?

Stem cells are the basic building block of most of our bodily tissue. This includes blood, bone, organs, and everything else within our creation. Researchers can harvest cells from one of the body. Then, they redistribute the cells to another part in order to assist in repairing your body.

Alternatively, this may also refer to the far more controversial cells that are harvested from human embryos. Thankfully, this has been battled on various legal platforms and, with some amount of research, is now considered ‘unviable’ by a majority of the healthcare field.

Insurance and Stem Cell Therapy

Medical debt being one of the leading causes of bankruptcy in the US. So, some potential patrons of stem cell treatment look to health insurance to help pad the blow to their finances.

Unfortunately, despite the positive research showing their usage effectiveness, the FDA has not yet approved their use. Most insurance providers won’t cover in-clinic stem cell injections on principle, but they will cover SCT for various cancers. Exceptions can only be made if the physician presiding over your case assures the insurance company that the treatment is absolutely necessary. Though, even then, they’ll still be hesitant to pay for the procedures.

Before you begin researching, a few notable companies that do not consider stem cell treatment necessary:

  • Anthem
  • Aetna
  • Medicaid
  • Medicare

These are some of the most notable and widely covering providers for Americans. If your illness calls for stem cell treatment, the general recommendation would be to contact your provider and discuss the topic at hand with them. Collect as much information as possible, be a well-informed dependent.

Suppose you wish to explore all treatment options. In that case, you could possibly be covered to discuss treatment consultations by your provider, even if the topic is to discuss a treatment option they don’t necessarily recommend or desire.


Before moving forward with anything, even if you do not believe your insurance will provide coverage, still put forth the effort to contact your insurance company and attempt to reach an agreement and expand on the situation at hand.

Paying For Stem Cells Without Insurance

A majority of stem cell therapy providers are more than happy to assist those interested in the treatment with personal payment plans that, when insurance is unavailable, may make their recovery far more affordable. A variety of financing options exist, be sure to discuss the terms by contacting the treatment provider you’re interested in and discussing the terms of payment at hand with them.

Medical Tourism

Suppose you cannot find assistance from your insurance provider, and all other alternatives are at an end. In that case, another potential and sometimes popular option for Americans is to take trips to other countries for alternative treatment. It is recommended to speak with your presiding doctor and specialists before moving forward and only use this option as an absolute ‘last resort’ as the treatments can be made at less-than-adequate unlicensed facilities that may do more harm than good.

Your doctors can at least point you in other potentially usable directions or, at least, give the facility you’re thinking of a once-over for the accuracy and likelihood of success.