Does Medicare Cover Stem Cell Injections, Therapies and Treatments?

Find affordable Medicare Supplement plans

Stem cell injections and therapies have been extremely successful at helping people with a variety of chronic illnesses. We’ve recently begun to receive questions regarding: Does Medicare Cover Stem Cell Injections? Medicare will cover stem cell injections and therapies only if they’re medically necessary and are approved by the FDA.

Below, you’ll learn which stem cell treatments, injections and therapies can be covered and which ones won’t. 

In this article we’ll discuss:

does medicare pay for stem cell therapy?

Currently, the only stem cell therapy that is FDA approved in the U.S. are treatments that involve blood-forming stem cells. Hematopoietic stem cell transplantation and Autologous Stem Cell Transplantation are the only stem cell therapies that are currently approved.

When stem cell injections are covered under Medicare, it will be paid for by Part A or Part B. If your treatment is provided in a hospital inpatient setting, then your treatment will be paid for by your Part A. Treatments will be paid for under Part B if they are provided in an outpatient setting.

  • Part A has a deductible that you’re required to meet as well as some cost sharing.
  • Part B provides 80% coverage and you’re responsible for the remaining 20%.

average stem cell therapy cost

The average cost of stem cell treatments ranges from less than $5,000 for uncomplicated procedures to over $25,000 or more for complex ones. For Medicare beneficiaries that have a Medigap plan, your cost sharing may be zero depending on the Medicare Supplement plan that you have purchased.

stem cell therapy cost

does medicare cover stem cell therapy?

As mentioned above, Hematopoietic Stem Cell treatments as well as Autologous Stem Cell Transplantation are covered when they are deemed medically necessary.

Hematopoietic Stem Cell Treatment

Hematopoietic Stem Cells treatments (also known as HSCT) are covered by Medicare when it is deemed medically necessary. Here are examples of health conditions that may qualify as medically necessary:

Autologous Stem Cell Transplantation

Autologous Stem Cell Transplantation can be covered by Medicare for the following medical conditions:

does medicare cover stem cell injections?

Stem Cell injections are currently not covered by Medicare to help treat the following medical conditions:

Will My Medigap Plan Cover Stem Cell Injections?

Medigap coverage is pretty straightforward. If Medicare approves your medical procedure, then your Medigap plan pays its share.

It’s that simple. 


Unfortunately, Medicare currently doesn't cover stem cell therapy for knees. Stem cell injections for knee pain and osteoarthritis  is not FDA approved at this time. Out of pocket costs for this treatment ranges from approximately $3,000 – $6,000 per knee.

Currently, Medicare will not pay for stem cell therapy in order to treat COPD.

Stem cell injections for back pain are not covered by Medicare as they are not approved by the FDA.

Platelet-rich plasma (PRP) injections are not covered by Medicare at this time. PRP is designed to help stimulate the healing of soft tissue and bone in the knee joint.

Do you have questions about your coverage options? You can contact REMEDIGAP and speak with an independent licensed insurance agent. Use the “BOOK YOUR APPOINTMENT” button on this page below to schedule a time. Or use the “SEE PLANS” button on this page to explore Medigap plan options in your area.

Find affordable Medicare Supplement Insurance plans in your area


We know that Medicare can be confusing.  We also know that everyone's situation is different. That's why we're here to help. Schedule your free consultation now!

michael quinn insurance
Joe Moynihan
Joe Moynihan
Facebook review
Read More
Best decision I made going through REMEDIGAP. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joann and walked through options, received some quotes she took care of the rest with absolutely no pressure.
Billy Shows
Billy Shows
Facebook review
Read More
I wish I had found REMEDIGAP in the beginning. It would have saved me 3 months of headache. Joann is really awesome in the way she explains everything and she is a very genuine person.
Diane Langille-stone
Diane Langille-stone
Facebook review
Read More
This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me. And when I need help later they will be there for me.
Tammy Feola
Tammy Feola
Google review
Read More
Joann is top notch when it comes in explaining whatever question you might have in regards to supplemental insurance. She is professional, courteous, a lovely person to talk to. I feel at easy when talking to her. She is a great asset to your company.
Click above to read all our reviews from our wonderful clients!

Compare free Medicare Supplement quotes from top rated insurers

thank you

Medicare Questions? Speak with us TODAY!



Don't Forget Your Medigap Quote!

medigap quote

Compare The Top Medicare Supplement Plans In Your Area

This is a solicitation for insurance, a member of REMEDIGAP will contact you to discuss your Medicare options.

Join our FREE 7-Day Medicare eCourse

Medicare doesn’t have to be so confusing. We’ll send you 7 email lessons with videos that will guide you through the Medicare process. We want you to be informed, confident and comfortable with your Medicare planning.