Insurance Coverage

Yes. Peripheral nerve stimulation is covered by Medicare and most major private insurance plans. PNS has established CPT codes and a growing body of clinical evidence supporting medical necessity, which insurance carriers use to evaluate coverage.

Coverage specifics vary by plan, region, and individual medical history. Your ARC location will verify your insurance benefits before your visit so there are no surprises.

Medicare covers PNS for qualifying patients. The procedure, device, and associated physician services fall under established Medicare billing codes. If you have Medicare, your ARC location can confirm coverage and estimate any out-of-pocket costs during the verification process.

Medicare Advantage plans may have different network and prior authorization requirements. Your location's team handles these details on your behalf.

Most major private insurers — including Blue Cross Blue Shield, Aetna, UnitedHealthcare, Cigna, and Humana — provide coverage for PNS when medical necessity criteria are met. Your physician's documentation of prior treatments, pain history, and functional impact supports the authorization process.

Prior authorization may be required depending on your plan. The ARC location team manages the authorization process and communicates directly with your insurer.

Your out-of-pocket cost depends on your specific plan's deductible, copay, and coinsurance structure. For many patients, PNS falls within the range of a standard outpatient procedure copay.

During the insurance verification step — which happens before your visit — your location will provide a clear estimate of any patient responsibility. ARC locations prioritize transparency so you can make informed decisions without financial uncertainty.

When you request an appointment through ARC, insurance verification is one of the first steps. The location's team contacts your insurer, confirms coverage, checks authorization requirements, and communicates your estimated costs — all before you walk through the door.

This process typically takes a few business days. You won't be asked to commit to anything until you understand the financial picture.