Does Insurance Cover Cryotherapy?
Whole body cryotherapy (WBC) is not covered by any insurance plan. It is considered experimental and has not received FDA clearance as a medical device. No Medicare coverage exists, and no private insurers cover WBC sessions. Localized cryotherapy (cryosurgery) for lesion removal is a separate, covered procedure.
Medicare Coverage
Medicare does NOT cover whole body cryotherapy. There is no NCD. Localized cryotherapy (cryosurgery) for destruction of warts, skin lesions, or precancerous growths may be covered as a physician surgical service, but this is unrelated to wellness WBC.
Private Insurance Coverage
No private insurance plans cover whole body cryotherapy. The FDA has not cleared WBC chambers as medical devices, and insurers classify it as experimental/investigational. Out-of-pocket cost is $40-100 per session.
What about Medicaid?
Medicaid coverage for cryotherapy varies by state. Some states cover it under managed care plans while others do not. Contact your state Medicaid office or check your plan's benefits guide.
Tips for Getting Coverage
- 1
Look for membership packages at cryotherapy studios ($200-400/month for unlimited sessions)
- 2
Use HSA/FSA funds — cryotherapy may qualify with a letter of medical necessity
- 3
Ask about introductory pricing or package deals
- 4
Consider cold plunge at home as a lower-cost alternative
- 5
Some gyms and recovery studios include cryo in premium memberships
How to Check Your Coverage
- 1
Call the number on your insurance card
Ask: "Is cryotherapy a covered benefit under my plan?" Get the answer in writing or note the reference number.
- 2
Ask about prior authorization
Some plans require pre-approval before treatment. Ask if a referral from your primary care doctor is needed.
- 3
Verify provider network status
In-network providers will cost significantly less. Ask your insurer for a list of covered providers in your area.
- 4
Understand your cost share
Ask about your copay, coinsurance, and deductible for this service. Out-of-network benefits may still apply.
- 5
Check HSA/FSA eligibility
Even if insurance doesn't cover cryotherapy, you may be able to use pre-tax HSA or FSA funds. Get a letter of medical necessity from your doctor.
Cost Without Insurance
Low
$30
Average
$50
High
$100
Per
per session
Monthly cost: $120–$400 (2-3x per week for active treatment, 1x per week maintenance).
Use our Cost Calculator for detailed pricing →Find Cryotherapy Providers
Browse our verified directory of cryotherapy providers. Filter by insurance accepted, credentials, and location.
Frequently Asked Questions
Does Medicare cover cryotherapy?
Does private insurance cover cryotherapy?
Which states mandate insurance coverage for cryotherapy?
How much does cryotherapy cost without insurance?
Can I use HSA or FSA funds for cryotherapy?
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Last updated: May 2026. Insurance coverage changes frequently. Always verify with your insurer before starting treatment.