How do insurance companies view medical marijuana?

Insurance companies typically do not cover medical marijuana as part of their health insurance plans. This is because federal law still considers marijuana an illegal drug and health insurance companies must follow the law. Generally, medical marijuana is not covered by any national health insurance plans and instead is considered an out-of-pocket expense. In Washington, the medical marijuana law allows those qualified to have access to medical marijuana. It is important to note that the cost may vary depending on the type of marijuana being purchased. Further, insurance companies have not yet adapted to provide coverage for medical marijuana. That being said, there are some insurance companies that do offer some coverage. Insurance plans may vary and there are a few companies that offer coverage for medical marijuana as part of their plans. However, these are few and far between and most plans exclude medical marijuana from coverage. In short, insurance companies view medical marijuana as an illegal drug and do not cover the cost. If a person in Washington state is qualified for medical marijuana, it is an out-of-pocket expense. Some insurance companies may offer coverage, but it is not standard.

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