Pain Management is typically covered under insurance if it is approved or stated in your benefits and outline of coverage.

Most insurances do not cover Laser Therapy for Joint Pain unless it is prescribed by your primary care provider and included in your outline of coverage.

Most health insurance plans offer benefits for covered cancers including pain, but added benefits may be available from supplement plans that pay cash from Cancer Stroke Heart Insurance plans.

Medicare Drug Coverage (Part D)helps pay for:
Medication Therapy Management programs for complex health needs.
Opioid pain medication. Prescription opioids, like hydrocodone (Vicodin®), oxycodone (OxyContin®), morphine, codeine, and fentanyl can be used to help relieve severe pain. Some Medicare plans have certain coverage rules to help you use opioids safely. Get more information on drug plan coverage rules.

If an individual is eligible for but not receiving an annuity, he or she should contact the nearest RRB office before attaining age 65 and apply for both hospital and medical insurance. (This does not mean that the individual must retire if presently working.) The best time to apply is during the 3 months before the month in which the individual reaches age 65. He or she will then have both hospital and medical insurance protection beginning with the month age 65 is reached. If the individual does not enroll for medical insurance in the 3 months before attaining age 65, he or she can enroll in the month age 65 is reached or during the next 3 months, but there will be a delay of 1 to 3 months before medical insurance is effective. Individuals who do not enroll during this initial enrollment period may sign up in any general enrollment period (January 1 – March 31 each year). Coverage for such individuals begins July 1 of the year of enrollment.

A pain specialist may be an orthopedist, a neurologist, a neurosurgeon, a physiatrist, a psychiatrist, etc., but is different from others in these fields because of:
Special training in pain.
Special experience in clinical management of pain.
Recognition within the specialty as an expert in pain and pain management. SEE MORE

If medicare pick up the first portion typically around 80% then the medicare supplement will typically pick up.

Health Care .gov site says see HHS (added below)

Resources Created by HHS
Opioids: An Epidemic Crisis (PDF) was developed as a resource for prescribers, consultant pharmacists, and facility staff as they as they work to ensure the appropriate use of opioid medications in nursing home residents.
Evidence-based Best Practice for Nursing Pain Management (PDF) summarizes the key elements of an effective nursing pain management program.
Pain Management Guidance (PDF) is a resource to help identify and treat pain, with an emphasis on pharmacological and non-pharmacological treatment options.
Pain Scale Determination Process [PDF] may be used to assist nursing staff in identifying the best pain scale to use based on the resident’s cognitive and verbal abilities.
Best Practice System Summary/Technical Assistance Sheet for Pain Management (PDF) describes key elements of an effective system for pain management that facility staff can use to assess progress with implementing best practice for pain management.

We see the average cost over $40,000 and typically something of this size needs prior authorization and approval from the carrier or plan administrator.

Through a pain management plan, healthcare providers help people manage all kinds of pain. Pain management approaches include medications, injections, therapy and exercise. Your provider may recommend one approach or a combination of several.

Through a pain management plan, healthcare providers help people manage all kinds of pain. Pain management approaches include medications, injections, therapy and exercise. Your provider may recommend one approach or a combination of several if you need an alternative to pain management insurance