How do insurance companies view medical marijuana?

Insurance companies in California generally do not cover medical marijuana as a form of treatment because it is still illegal under federal law. However, some health insurance companies may provide coverage in certain cases, such as if it is prescribed by a doctor. For example, Cigna Health Insurance covers medical marijuana in some cases when medically necessary and prescribed by a doctor. The California Department of Health Care Services recently proposed a plan to cover medical marijuana as a form of treatment for certain medical conditions. The proposed plan would cover medical marijuana in certain circumstances, such as for chronic pain associated with cancer, chronic glaucoma, HIV/AIDS, spasticity associated with multiple sclerosis, and for other serious medical conditions. The plan is currently under review and is subject to approval by the California Department of Health Care Services. Because it is still illegal under federal law, it is important to note that if insurance companies do provide coverage for medical marijuana, they may impose restrictions on the amount and type of marijuana that is covered. Additionally, medical marijuana may not be covered in all states, and insurance companies may limit coverage to certain medical conditions. Overall, insurance companies view medical marijuana as something of an uncertain issue. As such, it is important to research the policies of insurance companies to determine what coverage, if any, is available for medical marijuana.

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How do insurance companies view medical marijuana?

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