PEMF therapy is not typically covered by insurance companies.
Like many alternative therapies, coverage by major insurance companies is denied due to the registration status of the device.
PEMF therapy is recognized by the FDA as a legitimate therapy practice, with approval for use in several different areas, including pain relief, bone health, and depression.
Despite being recognized as a legitimate treatment method, most insurance carriers will not authorize full insurance coverage for EMF services over more standard treatment methods.
Insurance coverage depends largely on the type of insurance and the insurer.
The type of insurance being used plays an important role in whether or not therapy is covered.
Some insurance essentially functions like a savings account, where money is pulled from the account as needed.
These insurance accounts can usually be used for alternative therapy and health clinics, including PEMF therapy.
Checking with your insurance savings account—often called a Flex account—is the best way to determine if your specific carrier is willing to cover PEMF therapy services.
Insurers also depend on what is covered, as some insurers are selected specifically for their coverage of alternative therapies and practitioners.
These companies are likely to function less as a large-scale insurance company, and more like a clinic-specific program that allows you to pay a monthly fee for services, regardless of whether or not you use those services.
Alternative health and therapy clinics may offer discounts for therapy packages and may offer additional discounts for paying upfront.
Speaking with local PEMF therapy clinics will be the best way to determine the possibility of receiving a discount.
Most major insurance companies do not cover therapies like PEMF, because they are not considered medical devices, and therefore do not require coverage.
Non-medical equipment is typically considered an example of elective services, rather than necessary medical services, and insurance companies are usually reticent to cover any services that fall under the umbrella of an “elective” process.
Although PEMF devices are registered with the FDA, and are considered safe, they are classified as a wellness device rather than a medical device, and insurance companies award coverage accordingly.
While insurance companies do not usually regard PEMF therapy as a coverage-worthy therapy service, PEMF therapy is typically extremely affordable, whether it is delivered in a clinic or through home application.
For some, at-home treatments with a home PEMF machine makes sense—and may end up being less expensive than seeking treatment in a clinic or hospital.
Payment plans, used machines, and shared machines are all possible ways to purchase home PEMF machines at an affordable price.
PEMF therapy is an FDA-approved therapy practice that is increasingly growing in popularity and availability.
Although it is not yet covered by insurance companies, there are numerous avenues available to people seeking PEMF options.
Insurance savings accounts, clinic-specific payment programs, personal PEMF machines, and alternative insurance companies are all potential roads toward securing consistent access to PEMF therapy for the supplemental treatment of FDA-approved ailments, and overall health and wellness support.