Platelet-rich plasma (PRP) therapy is becoming increasingly popular for various treatments, from sports injuries to skin rejuvenation and hair loss.
Medically reviewed by David Nazarian, MD — Board Certified in Internal Medicine and Medical Director of PRP Treatment Beverly Hills.
As more people consider PRP, a common question is whether insurance covers it: Does insurance cover PRP therapy?
Many have heard rumors that it’s entirely out-of-pocket, while others claim some insurance companies might offer partial coverage. Let’s break down the facts, debunk some myths, and explore the current landscape of PRP coverage.
Why Don’t Most Insurance Companies Cover PRP or Stem Cell Injections?
Despite growing use of PRP, coverage remains limited and varies by insurer, indication, plan, and medical-necessity policy. The primary reason is that PRP therapy is often considered an elective, experimental, or investigational procedure.
Many insurers view PRP as lacking enough solid, large-scale clinical evidence to guarantee its effectiveness, especially compared to more traditional treatments like surgery or physical therapy.
Insurance companies typically seek FDA approval or conclusive, long-term studies before agreeing to cover a treatment. While PRP has shown promise, particularly in treating joint pain, tendon injuries, and hair restoration, it has yet to reach the threshold of medical consensus that it needs to be widely covered by insurers.
Additionally, PRP’s use in aesthetic treatments, such as facials and skin rejuvenation, falls under the “cosmetic” category, which rarely, if ever, sees insurance coverage. Because many insurance companies consider cosmetic treatments non-essential, they are left to the patient’s discretion and wallet.
How To Get PRP Injection Insurance Coverage
That said, not all hope is lost. In some cases, you might still be able to get PRP therapy covered by insurance, but it usually requires persistence and a strategic approach.
If you want to determine whether your plan may cover PRP, the most useful steps are to verify the current medical policy, ask whether prior authorization is required, and confirm your specific benefits before treatment:
Talk to Your Healthcare Provider:
Start by having a candid conversation with your healthcare provider.
If PRP is being recommended for a medical condition rather than an elective or cosmetic reason, your doctor may be able to write a letter of medical necessity.
This letter outlines why PRP is essential to your treatment plan and why traditional methods are unsuitable.
- Document Your Treatment Journey: Document your history if you’ve tried other treatments. Insurance companies are more likely to cover PRP if you’ve already attempted other therapies (such as medications, physical therapy, or surgery) without success.
- Pre-Authorization: Some insurance plans may allow for pre-authorization. Your doctor will submit your case to the insurance company for approval before treatment begins. It’s not guaranteed, but it might improve your chances of getting partial or complete coverage.
- Check for Employer-Specific Coverage: Some companies or industries offer specialized healthcare plans that include alternative therapies like PRP. Check with your employer’s HR department or benefits coordinator if your coverage includes PRP treatments.
What Insurance Companies Cover PRP Therapy?
PRP coverage varies by insurer, plan type, diagnosis, and current medical policy. Many plans classify common PRP uses as investigational or non-covered, while some policies address limited circumstances separately. Because policies change, patients should verify the current policy and benefits directly with their insurer before treatment. The examples below should be read as policy snapshots rather than guarantees of coverage:
Aetna
Aetna does not generally cover PRP therapy, citing it as experimental or investigational. However, there are rare exceptions where PRP might be covered for specific conditions like osteoarthritis or tendinitis, provided the treatment is deemed medically necessary.
United Healthcare
United Healthcare also considers PRP an investigational treatment. As of now, the company does not cover it under most plans. However, similar to Aetna, they may review cases individually if a medical necessity is demonstrated.
Tricare
Tricare, the health insurance provider for military personnel and their families, generally excludes PRP therapy from coverage.
However, as with other insurance companies, medical necessity may influence exceptions for active duty members with specific conditions that could benefit from PRP.
Blue Cross Blue Shield
BCBS typically does not cover PRP, classifying it as experimental. However, state-by-state coverage might vary, and it’s worth checking with your local BCBS provider to see if any exceptions apply in your area.
In some cases, BCBS has been known to offer partial reimbursement for PRP when prescribed for orthopedic issues like joint injuries.
Medicare
Medicare doesn’t currently cover PRP therapy and will not reimburse for it since it is classified as an investigational treatment. However, partial coverage might be available in limited cases where PRP is part of a broader medical procedure.
Cigna
As of Cigna Medical Coverage Policy 0507, effective October 15, 2025, Cigna considers autologous platelet-derived growth factors/PRP experimental, investigational, or unproven for any condition or indication listed under the policy, including knee osteoarthritis, epicondylitis, tendonitis, soft-tissue injuries, and wound healing. Individual benefit-plan documents still control coverage, so patients should verify their specific plan before treatment.
Does Insurance Cover PRP for Hair Loss?
PRP for androgenetic alopecia and other hair-loss indications is commonly treated as an elective or non-covered service by health plans. Coverage rules vary by plan and indication, so patients should verify benefits directly with their insurer before treatment. A diagnosis of hair loss does not by itself mean PRP will be covered.
For treatment-specific information, see our PRP Hair Restoration page.
The Cost of PRP Therapy
For current Beverly Hills pricing by treatment area, see our PRP and PRF cost guide.
Patients often have to pay out of pocket because PRP is not widely covered by insurance. On average, PRP injections can range from $500 to $2,500 per session, depending on the treatment area, the number of injections, and the provider’s expertise.
Some clinics offer payment plans or discounts for multiple sessions, which can ease the financial burden for those needing long-term treatments.
Coverage and out-of-pocket cost can vary by indication. For hair-loss-specific insurance questions, see our dedicated guide on PRP hair loss treatment and insurance coverage. Patients considering treatment can also review our PRP Hair Restoration service page for candidacy, treatment details, risks, and expected results.
Could PRP Insurance Coverage Change in the Future?
Coverage policies can change as insurers review new evidence, coding guidance, and benefit-plan terms. However, there is no basis to promise that PRP will soon become broadly covered, so patients should rely on the current policy in effect for their plan.
In recent years, smaller-scale studies have shown PRP’s potential benefits in treating joint injuries, osteoarthritis, and tendon repair, which are slowly gaining attention from insurers.
Insurers periodically update medical policies as evidence changes. A policy update does not necessarily mean coverage will expand, and plan-specific exclusions or benefit limitations may still apply.
Takeaways
PRP therapy is still considered an out-of-pocket expense for most patients. However, that means you still need more luck regarding insurance coverage.
Prior authorization or documentation of medical necessity does not guarantee payment. Coverage depends on the insurer’s current medical policy and the patient’s specific plan benefits.
In the coming years, we may see a shift in how insurers view PRP therapy, mainly as more research solidifies its benefits for various conditions. If you’re considering PRP therapy and want to know more about your options, contact our team to schedule a consultation and explore how PRP might work for you—whether insurance covers it or not.
