Cost & Value

Is Stem Cell Therapy Covered by Insurance? HSA & FSA | Dynamic Athlete

No. For the procedure itself, autologous stem cell therapy is not covered by commercial insurance or Medicare. Carriers classify MFAT (micro-fragmented adipose tissue) and BMA (bone marrow aspirate) as investigational for musculoskeletal conditions, so the injection is paid out-of-pocket. HSA and FSA dollars typically apply.

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