Insurance probably won't cover it because it isn't approved. From the list of ingredients, it looks like you could take a really good multivitamin with extra Bs and drink a lot of water and get about the same effect. Of course there is also the effects on the mind that come with infusions--the mind thinks-medicine-get better. This is not conscious, of course, and is often called "the placebo effect" but I think we should take what will work because neither the mind nor the body end at the neck.