Does Insurance Cover PEMF Therapy?
PEMF (pulsed electromagnetic field) therapy is generally not covered by insurance. It is considered experimental by most insurers. Some limited coverage may exist for FDA-cleared bone growth stimulators used to treat non-union fractures, but general wellness PEMF is excluded.
Medicare Coverage
No NCD exists for PEMF therapy. Some Medicare Administrative Contractors (MACs) may cover PEMF bone growth stimulators for non-union fractures under local coverage determinations. PEMF for pain, inflammation, or wellness is not covered.
Private Insurance Coverage
Private insurers generally classify PEMF as experimental/investigational. FDA-cleared bone growth stimulators may be covered with prior authorization for non-union fractures. PEMF mats, pads, and wellness devices are not covered. Out-of-pocket: $50-150/session or $2,000-10,000+ for home devices.
What about Medicaid?
Medicaid coverage for pemf therapy 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.
CPT Codes for Billing
If your provider bills insurance for pemf therapy, these are the relevant CPT codes:
20974Electrical stimulation to aid bone healing, noninvasive97799Unlisted physical medicine/rehabilitation service (sometimes used)Tips for Getting Coverage
- 1
If you have a non-union fracture, ask about FDA-cleared PEMF bone stimulators — these may be covered
- 2
Rent before buying a home PEMF device to test effectiveness
- 3
Use HSA/FSA funds for PEMF devices with a doctor's prescription
- 4
Some chiropractic offices include PEMF as part of covered office visits
- 5
Look for clinical trials offering free PEMF treatment
How to Check Your Coverage
- 1
Call the number on your insurance card
Ask: "Is pemf therapy 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 pemf therapy, 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: $90–$500 (3-5x per week initially, then 1-2x per week).
Use our Cost Calculator for detailed pricing →Find PEMF Therapy Providers
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Frequently Asked Questions
Does Medicare cover pemf therapy?
Does private insurance cover pemf therapy?
Which states mandate insurance coverage for pemf therapy?
How much does pemf therapy cost without insurance?
Can I use HSA or FSA funds for pemf therapy?
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Last updated: May 2026. Insurance coverage changes frequently. Always verify with your insurer before starting treatment.