Cheef Botanicals

Does Insurance Cover CBD Oil? No, Here Are the Top Reasons Why

Talking to your doctor about incorporating CBD oil into your daily ritual can be a tricky topic to bring up. Most people resort to the “my friend uses CBD” intro. The critical thing to remember is that many people have been looking for an herbal alternative to uncomfortable issues they may be dealing with. As laws have been progressively changing, more consumers have been asking, “Does insurance cover CBD oil?”


If you think about it, your insurance should cover CBD oil if your doctor prescribes it, right? Unfortunately, it does become a little complicated considering the history cannabis has had.


Can Doctors Prescribe CBD Oil?

There are numerous amounts of studies done on CBD. Its effects on the human body have sparked the interest of many individuals. A number of consumers are incorporating hemp into their lives to either regulate or enhance their daily rituals. Although your doctor will not be able to prescribe CBD oil, he or she may recommend it.


Once the 2018 Farm Bill was passed, it removed any and all CBD products with 0.3% THC or less from the Controlled Substance Act (CSA). It also permitted the FDA to regulate CBD hemp products. Now, any person over the age of 21 may purchase CBD without a prescription, although, some states only require the buyer to be 18 or older.


Related: How Old Do You Have to Be to Buy CBD? [Rules Explained]

Discussing CBD with your primary care physician is a great idea! This is especially true if you have any pre-existing conditions or if your doctor has prescribed you any medication. Keep in mind, your primary care physician may not be well versed on the new updates and studies done on CBD, since it was deemed as taboo for decades. CBD does have different effects on every individual. So don’t be shy to ask for a second opinion! You might be better off speaking with a cannabis doctor to discuss your proper dosage.



doctor with cbd oil 



Does Insurance Cover CBD Oil?

Unfortunately, it does not matter how excellent your insurance is. Your plan will not cover CBD oil. It seems that the FDA has little to no interest in natural products. Their main concern is pharmaceutical companies, therefore, health insurance companies are not required to cover them. Although it’s hard to determine the difference between hemp and marijuana plants, only marijuana is a Schedule 1 controlled substance according to the FDA. Hemp is federally legal in the US and so is the CBD oil that comes from it, however, no health insurance providers cover it. Find more cannabidiol facts here.



Does Insurance Cover Anything With CBD In It?

Right before the 2018 Farm Bill passed, Epidiolex was launched in the US for the treatment of two forms of epilepsy, Lennox-Gastaut Syndrome (LGS) and Dravet syndrome, in patients two years of age or older. This was the first and only medication derived from hemp that was approved by both the DEA and FDA until the approval of the 2018 Farm bill in December.


Along with cannabidiol (CBD),  there are a few inactive ingredients in Epeidiolex. This includes dehydrated alcohol, sesame seed oil, strawberry flavor, and sucralose (a no-calorie sweetener). Epidiolex has a CBD concentration of 100 mg/mL. This amount is rather high in comparison to other CBD oils on the market. Although practically identical to CBD oil, Epidiolex can be prescribed by your doctor. It’s also covered through health insurance, but you have to have a condition that can be prescribed for.



How To Find Quality CBD Oil

Finding quality CBD oil is very important! Not all CBD oils are the same. In fact, there have been some companies that have been caught falsely advertising CBD products. While some companies report on third party COA results, others produce false information of the cannabinoids and ingredients involved in their products. A trustworthy company is a key essential to your health.


COAs are an important aspect of finding high-quality CBD oil. Any CBD product you search for should have a list of all the cannabinoids and terpenes. The CBD oil you decide to purchase should contain CBD oil and a carrier oil to make the CBD more absorbent. However, manufacturers can add natural ingredients to increase the benefits of the oil. CBD oil by itself is not absorbent when ingested without a carrier. Most companies use grapeseed oil because our bodies metabolize it very efficiently. However, CBD oil and a carrier oil are the only two ingredients that should be found in the CBD oil you’ve purchased. A third party should verify it, and the COAs must be available to the consumers.





What To Look For When Searching For CBD Oil

When looking for a CBD oil, be sure to find a reputable company. A reputable company will have verified customer reviews accessible to all, and COAs from a third party visible to all consumers. As mentioned, your CBD oil should not contain many ingredients. It should be CBD oil and a carrier oil to help your body absorb the cannabinoids.



About Cheef Botanicals

Cheef Botanicals wholeheartedly believes in the healing power of natural, healthy, and efficient CBD hemp products. Our organic, plant-based, vegan, cruelty-free, non-GMO, gluten-free, and dairy-free products have been created by health-conscious cannabis enthusiasts with over 25 years of collective experience. Working alongside the best hemp farms in Colorado, we provide some of the highest quality CBD products on the market.


We are facing a consequential health crisis where we are taught to fix rather than focusing on prevention. At Cheef Botanicals, we want to encourage optimal health and wellbeing by maintaining homeostasis through the help of CBD. Although CBD oil prices vary, Cheef Botanicals offers massive discounts almost regularly. Be sure to sign up for emails to notify you when our next sale is.



Cheef Botanicals 1200mg CBD oil bundle 


Final Thoughts – Does Insurance Cover CBD Oil?

Unfortunately, CBD oil is not covered by health insurance, even though many studies suggest how beneficial CBD is on our endocannabinoid system. Finding a quality CBD oil is essential to your health. After speaking to your primary care physician, please take the time to research the CBD oil you want to start using. Also, please keep in mind that you can always contact the Cheef family if you have any further questions!