Unfortunately, Insurance and Medicare do not cover treatment yet despite our 93% success rate, which is much higher than many treatments, they do currently cover. While this may seem expensive, most individuals conclude that stem cell treatment costs are comparable to surgery once you take into account the out of pocket expenses and insurance deductible minimums. Another thing to consider when evaluating the actual cost of stem cell treatment is that most workers’ compensation claims, VAMCA, and individuals health savings accounts (HSA) will cover stem cells.