How to Check If Your Insurance Covers Alternative Medicine

In recent years, the popularity of alternative medicine, which is defined as treatments not normally used in "conventional medicine," has skyrocketed. With this rise in demand for alternative therapies, many insurance companies have begun to cover certain treatments. One of the biggest determinants insurance companies use when deciding whether they'll cover an alternative medicine treatment is whether it's medically necessary. The most common treatments covered are those that require official licensing by the state or government. Certain therapies, like aromatherapy and herbal treatments, can also be covered. When insurance companies don't cover alternative therapies, you can always try to pick up a supplemental discount medical card. These cards provide discounted, negotiated rates on medical services. There are several companies that offer cards targeted at alternative medicine patients. Follow these steps to learn more.

Instructions

Check if Your Insurance Covers Alternative Medicine

1

Browse through your insurance plan booklet, if available. Alternative medicine, like chiropractic and massage services, may be listed inside.

2

Call your insurance representative to ask whether your specific plan covers alternative medicine. To speed the process along, it may be a good idea to have 1 or 2 specific procedures already in mind.

3

Read through any supplemental clauses concerning alternative medicine very carefully. You may find loopholes in your insurance policy as well as with specific prohibited specialties.

4

Ask your alternative medicine provider whether he or she accepts any type of insurance coverage. You can then consult with these companies to see if they offer supplemental plans for individuals.

5

See if your employer has a flexible spending account, also known as a "Section 125" plan. These plans, which are designed to cover excess medical and dependent care costs, will sometimes cover alternative medicine services.

6

Work with your alternative medicine doctor to pay the costs of treatments not covered by your insurance. Some doctors allow patients to make monthly payments to cover service costs.

7

Find out more about insurance coverage and alternative medicine by visiting the "National Center for Complementary and Alternative Medicine" Web site (see Resources below).