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is cbd covered by insurance in canada

Is cbd covered by insurance in canada

Veterans Affairs Canada reimburses eligible medical cannabis users, those with a K# and Awarded Conditions, for up to three grams of dried cannabis or equivalent in oils/edibles per day. If there is a need for additional daily dosage of cannabis, Apollo can help complete all necessary paperwork allowing veterans to receive more than 3grams a day to be covered. Eligible cannabis must come from a medical Licensed Producer with whom a patient is registered through an authorized medical document (prescription). Grey market and recreational cannabis purchases are not reimbursable.

As with most medical benefits there is a limit on the cost Veterans Affairs Canada will reimburse per gram of cannabis. A maximum rate of $8.50 per gram of cannabis is covered and medical users must pay the rest out of pocket. However, many reputable LPs will adjust the cost accordingly specifically for veterans.

Many Licensed Producers (LPs) also offer compassionate pricing to low-income individuals, seniors, and those on ODSP. Medical cannabis users should work with a patient educator who can help them determine if they qualify for compassionate pricing or other benefits. Patient educators are also able to recommend Licensed Providers who offer compassionate pricing, as not all LP’s offer this benefit. Apollo Cannabis Clinics employ patient educators to work with each individual after they receive a medical cannabis recommendation. Patient educators are committed to helping medical cannabis users understand what benefits certain Licensed Producers may offer. They also work to help individuals select LPs who carry the product they require.

Employers that have included medical cannabis coverage as a listed benefit under their employee health plan include:

Current medical cannabis users are hopeful that private insurers will begin to recognize cannabis as medicine and cover the expenses. There is a large push to see cannabis covered the same way as any other prescribed medication, as well as better access for those who are on ODSP or a fixed income. There are advocacy groups & nonprofits that work with patients to discuss coverage with their employers and private insurers while showing supporting medical evidence of your prescription such as a doctor’s letter alongside the request. Currently, this is generally done on a case-by-case basis on whether or not the coverage will be approved.

One of the biggest benefits for medical cannabis patients and users is the ability to “write off” their medical cannabis medication on their yearly personal taxes as a medical expense . To be able to do so, the cannabis must have been purchased through a Licensed Producer, and have valid receipts of purchase.

More than 17 years after cannabis was first legalized in Canada for medical use, some insurers are just beginning to cover the cost of the medication. Slowly things are changing for the better as companies are being given the option from insurers to include medical cannabis. However, many plans limit coverage to just a handful of medical conditions that qualify and do not cover the cost of medical cannabis for most users.
But don’t fret – if your health insurance plan includes a Healthcare Spending Account (HCSA or HSA), you are likely able to claim medical cannabis under this category. Be sure to chec k the details of your insurance plan to see what is and is not covered. The Canada Revenue Agency lists medical cannabis as an eligible medical expense . Your proof of purchase (receipts) that include your prescription information, can be found online under your personal account with each Licensed Producer (LP) on their respective websites.
If you have any questions about your prescription, your apollo educator is here to assist you free of charge, 7 days a week.

Veterans Affairs: A Pioneer in Coverage

If you need any paperwork filled out by your doctor, please contact Apollo and we will be happy to assist you*.

If you would like to book a free virtual/telephone appointment, we assist our patients 1-on-1 with any insurance questions as well as assisting in finding you the best LP that suits your needs and budget.
You can fill out a form here and someone from our bookings team will give you a call or you can reach us directly toll-free at 1-877-560-9195.

Is cbd covered by insurance in canada

Before you submit a claim for medical cannabis, here are a few things you should know.

Medical cannabis vs. recreational cannabis

If you’d prefer, you can also grow it yourself or designate someone else to grow it for you. In both instances, you or your producer will need to be certified by Health Canada to comply with ACMPR.

Claiming cannabis as a medical expense

Once you have authorization, you can register with a Health Canada-licensed producer of medical cannabis . You can purchase medical cannabis in various forms, such as fresh cannabis, dried cannabis, cannabis oil, extracts and seeds.