In 2019, Medicare will never cover your medical marijuana treatments. Given that CBD is a form of medical marijuana, any healthcare expenses you incur that rely on the use of CBD will result in increased out-of-pocket expenses.
Now, you might be wondering, “If medical marijuana is legal in my state, then why won’t Medicare cover it?” To put it simply, medical marijuana might be legal in your state but it is still illegal in your country.
Of course, that doesn’t mean that there is no hope for you to obtain the treatments that work best for you. Let’s go over a few of the basics to help you access the healthcare treatment options that you both need and deserve.
Federalism’s Impact on Your Healthcare
The United States practices a form of government known as federalism, in which the national government and the state government work together in many aspects and independently in many others. Unfortunately for retirement-aged seniors, that means that the federal prohibition of marijuana can still prevent your accessing it through federal programs such as Medicare.
That said, given the widespread cultural outrage against the national prohibition of a treatment option that is proven to be highly effective with relatively few negative side effects, that could possibly change in 2020.
Even President Donald Trump has expressed support for the federal legalization of medical marijuana; however, Trump’s track record on the subject of medical marijuana hasn’t always shown as much support.
Medicare Advantage and CBD
Medicare Advantage (MA) plans are privately owned and privately operated insurance plans, meaning that the government is not directly in charge of the oversight of your MA plan. Unfortunately, through indirect intervention, the government has allocated funds to propping up these MA plans.
Why is that a bad thing? Because the Federal government prohibits the use of tax dollars for a variety of functions related to Schedule One narcotics (which includes marijuana), including medical research.
That federal prohibition of the use of tax dollars in support of Schedule One drugs has led, at least in part, to the inability to access Medicare Advantage subsidies, the lack of which results in increased out-of-pocket expenditures in order to access CBD treatments.
Fortunately, 2020 may be the year where the tax-payer-dollar restriction is lifted. In July of 2019, a Federal Appeals Court ordered the DEA to reconsider its classification of marijuana as a Schedule One drug and 2020 might see the completion of that reconsideration.
CBD and Medicare Fraud
The aforementioned federal prohibition of medical marijuana combined with the state legalization thereof has led to an uptick in the number of Medicare fraud cases.
In states where medical marijuana is legal, such as New York, seniors on Medicare have been seeking treatments that involve the use of CBD, as the law allows. However, whether intentionally or inadvertently, many of those seniors and their doctors then go on to illegally bill those treatments to their insurance (i.e., Medicare).
This issue of state law versus federal insurance has left many medicare fraud attorneys scrambling to defend well-intentioned people from fines and even potential jail time over what tends to be a simple accident of unfamiliarity with the intricacies of federal law.
How to Access CBD While on Medicare
Of course, CBD on Medicare is not always doom and gloom. If you find that you need to have some method of accessing CBD treatments for any number of the symptoms that you may be experiencing, there are ways to do so while on Medicare. You just can’t use your Medicare insurance to cover those methods.
Unfortunately, as of the first quarter of 2019, no medical insurance providers offer coverage for any form of medical marijuana. That means that the only way to directly access CBD is through the use of out-of-pocket expenses. However, one common method for indirectly accessing CBD treatments that Medicare will typically pay for is through the use of consulting fees.
Many doctors have begun footing the bill for their patients’ CBD as part of an in-house expense and, instead, charging their patients increased consulting fees. That means that what might be a $0 consulting fee and a $300 CBD charge, which won’t be covered by insurance, might turn into a $300 consulting fee alone, which would be covered by Medicare.
But if you have the ability, it might sometimes be better to simply pay cash to avoid inadvertent Medicare fraud charges.
All-in-all, Medicare is not going to cover your CBD treatments in 2019, but that may very well change come 2019. With changes coming to state after state and even to the DEA, it is entirely possible that 2020 might be the year in which–at the very least–medical marijuana is removed from the list of Schedule One narcotics.
Of course, that still won’t be enough to have your CBD treatments covered by Medicare, but the ball is currently rolling. All that’s left now is to call your politicians and tell them to pick up the slack!
Newbie q: Is Broad Spectrum worth taking over Isolate?
Does the extra substances in Broad spectrum really have any benefit without any THC?
I read the following but I dont know enough yet to agree or not: “You cannot get an entourage effect without THC. You cannot therefore completely extract the THC and call it anything but an isolate. You most certainly cannot claim it gives “the benefits of a full spectrum” because it literally cannot do so. There is no such thing as “broad spectrum.” It’s a nonsense term that companies selling isolates are using to trick you into buying their weakened products.”
What are the thoughts of people, esp. those who’ve tried broad and isolate?
HOPE™ Products for Autism Launch in Australia After Earlier US Debuts in Pennsylvania and Louisiana
Zelira Therapeutics Ltd (ASX: ZLD, OTCQB: ZLDAF) just announced that its proprietary cannabinoid medicines, HOPE 1™ and HOPE 2™are now available by prescription to patients in Australia. The HOPE™ forumations, developed by Zelira and noted autism advocate Erica Daniels, first launched in 2019 in Pennsylvania and this fall in Louisiana. “We have had great success […]
Zelira Therapeutics Ltd (ASX: ZLD, OTCQB: ZLDAF) just announced that its proprietary cannabinoid medicines, HOPE 1™ and HOPE 2™are now available by prescription to patients in Australia. The HOPE™ forumations, developed by Zelira and noted autism advocate Erica Daniels, first launched in 2019 in Pennsylvania and this fall in Louisiana.
“We have had great success with HOPE™ in the US and are thrilled to be able to offer it to patients as a treatment option through the Therapeutic Goods Administration’s (TGA) Special Access Scheme,” says Osagie Imosogie, Chairman of Zelira Therapuetics. “Zelira is proud of this latest achievement in our mission to bring cannabinoid medicine to patients around the world.”
The HOPE™ cannabinoid medicines were developed to support the needs of patients with Autism Spectrum Disorder (ASD) by Daniels and Zelira Therapeutics, which then licensed the proprietary formulas to Ilera Healthcare in Pennsylvania and Ilera Holistic Healthcare in Louisiana. HOPE™ has since established itself as one of the top selling formulated medicinal cannabis products in Ilera Healthcare’s portfolio.
“Autism families are finally beginning to have access to a truly better alternative than the harsh pharmaceuticals of the past and I am so proud that HOPE is now available in Australia,” says Erica Daniels, founder of Hope Grows for Autism and co-creator of the HOPE forumalations. “What started off as a labor of love to find a way to treat my own son is now helping parents around the world.”
HOPE™ is part of Zelira’s family of revenue generating medicinal cannabis formulations. The products consist of two pharmaceutical-grade proprietary formulations developed as pharmaceutical-grade products targeting Autism Spectrum Disorder (ASD) as a disease indication.
“Following the success of the HOPE™ launches in Pennsylvania and Louisiana, we are excited to make these products available to patients and physicians in Australia,” says Dr. Richard Hopkins, Zelira’s global Managing Director. “This represents another key milestone in our commitment to bring the benefits of HOPE™ to patients in global markets.”
How long till I have a “normal” THC high again after vaping CBD?
This week I started vaping CBD to try and cut back on my weed consumption during the week as it was starting to interfere with my college classes. The results have blown me out of the water so far, but I’ve also noticed how dampened my THC highs have become. I’m fine with it during the week as I don’t feel awful waking up after a late night sesh and can get my stuff done, but over the weekend I like to indulge a little more since I’ve cut back so much during the week. About how long does it typically take after pausing CBD consumption (I last vaped around 6 pm yesterday) to feel a full, normal high? I do appreciate the calm nature of the highs when you’re loaded up with CBD but it’s just not as satisfying for me in my free time. Any help appreciated 🙂
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