Does Insurance Cover Red Light Therapy?
Red light therapy (photobiomodulation) is not covered by insurance for most uses. Medicare explicitly excludes infrared therapy devices (NCD 270.6), and private insurers classify it as experimental. Some narrow exceptions exist for FDA-cleared devices used in specific clinical settings.
Medicare Coverage
Medicare does NOT cover red light therapy or photobiomodulation devices. NCD 270.6 (October 2006) determined infrared therapy devices are 'not reasonable and necessary' for any condition, including diabetic neuropathy, wounds, and pain.
Private Insurance Coverage
Private insurers generally do not cover red light therapy, classifying it as experimental/investigational. Rare exceptions may exist for FDA-cleared low-level laser therapy (LLLT) devices used by physical therapists for specific musculoskeletal conditions, but this requires pre-authorization.
What about Medicaid?
Medicaid coverage for red light 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 red light therapy, these are the relevant CPT codes:
97039Unlisted modality (sometimes used for photobiomodulation)Tips for Getting Coverage
- 1
Buy a home red light therapy panel for long-term savings ($200-2,500)
- 2
Some physical therapy clinics include LLLT as part of covered PT sessions
- 3
Use HSA/FSA funds for home devices with a letter of medical necessity
- 4
Look for gyms and studios that include RLT in membership pricing
- 5
If your PT uses red light as part of treatment, it may be billed under the PT visit code
How to Check Your Coverage
- 1
Call the number on your insurance card
Ask: "Is red light 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 red light 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
$25
Average
$40
High
$75
Per
per session
Monthly cost: $75–$300 (3-5x per week initially, then 2-3x per week maintenance).
Use our Cost Calculator for detailed pricing →Find Red Light Therapy Providers
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Frequently Asked Questions
Does Medicare cover red light therapy?
Does private insurance cover red light therapy?
Which states mandate insurance coverage for red light therapy?
How much does red light therapy cost without insurance?
Can I use HSA or FSA funds for red light therapy?
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Last updated: May 2026. Insurance coverage changes frequently. Always verify with your insurer before starting treatment.