IV therapy, despite its growing popularity for wellness and recovery, is typically not covered by insurance due to its classification as an elective treatment. Insurance companies prioritize treatments deemed medically necessary, such as those required for diagnosing or treating serious conditions. Since most IV therapy sessions offered at wellness clinics are aimed at enhancing general well-being rather than addressing a critical health need, they fall outside the scope of insurance coverage.

Another reason for the lack of coverage is the limited scientific consensus on the benefits of IV therapy for various marketed uses. While some studies and numerous anecdotal reports suggest positive effects, the broader medical community has yet to fully endorse these treatments. Insurance companies rely on robust clinical evidence and established medical guidelines to determine coverage, and without this widespread acceptance, IV therapy remains uncovered.

The high cost of IV therapy sessions, which can range from $100 to over $300, also plays a role in the lack of insurance coverage. Insurers focus on cost-effective treatments with proven outcomes to ensure efficient use of resources. Consequently, for most people, the question "is IV therapy covered by insurance" is met with a negative response, leaving individuals to explore alternative financial strategies to afford this wellness treatment.