Most health insurance plans do not cover natural products like NeuEve. NeuEve’s suppositories, balms/creams, and herbal supplements are considered natural, alternative therapies rather than prescription drugs. That means they fall under Complementary and Alternative Medicine (CAM), which isn’t usually included in standard insurance coverage. But don’t worry – there are other ways to manage the cost (like using special health accounts or discounts).
What Is CAM?
Complementary and Alternative Medicine (CAM) is a broad term for health practices and products that are outside typical conventional medical care. This includes things like herbal remedies, dietary supplements, and other natural therapies. NeuEve products fit into this category. Many people find CAM products helpful for certain health conditions, but they are not part of mainstream medicine in the way prescription drugs are.
Because CAM products are not conventional medicine, major insurance companies generally do not cover them. Even though some CAM remedies show benefits (and the U.S. government has a National Center for Complementary and Integrative Health (NCCIH) dedicated to researching and providing guidance on CAM), health insurers have not yet covered most of these natural products. In other words, if you purchase NeuEve or other CAM products, your health insurance likely won’t pay for it.
Using an FSA or HSA to Pay for NeuEve
Pre-tax health spending accounts like a Flexible Spending Account (FSA) or a Health Savings Account (HSA) may cover the cost. Under the right conditions, FSA/HSA funds can be used to buy NeuEve suppositories, balms, and supplements. Here’s how it works:
• Use FSA/HSA credit card: If you have a FSA/HSA credit card, you may use it to purchase NeuEve products directly at check out.
• Medical Necessity: Generally, you need a healthcare provider to recommend NeuEve for a specific diagnosed medical condition for it to qualify. For example, your doctor might diagnose an issue like vaginal dryness, vaginal atrophy, pain during intercourse (dyspareunia), lichen sclerosus, chronic UTIs, or recurrent BV (bacterial vaginosis), and suggest that NeuEve could help. A product used for general wellness without a diagnosed condition usually won’t be eligible under FSA/HSA rules.
• Letter of Medical Necessity: In most cases, the FSA or HSA administrator will require a letter of medical necessity from your doctor. This is a simple letter stating that you have a certain medical condition and that the NeuEve product is a recommended part of your treatment. Essentially, it’s documentation to prove the expense is for health care and not just a personal choice. To get a Letter of Medical Necessity, you may find this article helpful.
• Keep Documentation: Be sure to save the doctor’s letter and any receipts or proof of purchase. If you use your FSA/HSA funds for NeuEve, you’ll want proper documentation in case your benefits administrator or the IRS asks for verification. Keeping records will help you stay in compliance with the rules and avoid any issues. If your spending is denied FSA/HSA, this article shows you how to file an appeal.
Using an FSA or HSA can effectively make your NeuEve purchases tax-free (since those accounts are funded with pre-tax money), but you must follow the guidelines above to qualify.
Tips to Save Money on NeuEve
If you don’t have an FSA or HSA, or if you simply end up paying for NeuEve out-of-pocket, there are still ways to reduce your expenses. NeuEve offers a few cost-saving options for customers:
• Subscribe and Save: NeuEve has a subscription program where you receive products on a regular schedule. Subscribing typically comes with a discount (around 17% off each order), making it a convenient way to save money if you use the products long-term.
• Buy in Bulk: You can purchase multiple items at once to get a multi-item discount. NeuEve offers up to 23% off when you buy several products together in one order. Stocking up not only saves you money per item but also reduces how often you need to re-order.
• Ambassador/Affiliate Program: Consider joining the NeuEve ambassador or affiliate program. As an ambassador or affiliate, you can earn commissions on referrals or sales you generate. Those earnings can help offset the cost of your own purchases. It’s a way to share NeuEve with others and benefit from it financially as well.
• Using Salve for Maintenance: The NeuEve Salve (balm cream) is highly cost efficient, one jar lasts 3-6 months. It can drop the cost to about $10/month for health maintenance after you have achieved full recovery from vaginal atrophy by using a combination of NeuEve Silk and Salve, as well as a set of dilators. This article explains.
By taking advantage of these options, you can make using NeuEve more affordable even without insurance coverage.
We hope this information helps! While standard health insurance won’t cover natural products like NeuEve, you still have practical options to get relief and save money. If you have any further questions about using NeuEve or how to pay for it, please don’t hesitate to reach out – we’re here to assist you on your health journey.