Alternative therapies, also known as complementary medicine, do not follow the Western, science-based medicine model. Most health insurance plans extensively cover traditional Western medicine while providing limited or no coverage for complementary or alternative medicine (CAM). This article aims to help you understand which therapies insurance companies classify as alternative and how to increase the chances of receiving insurance coverage for these therapies. If you reside in or near Hailey, ID, consider reaching out to Harrison Insurance and Financials LTD for your health insurance queries and needs.
Understanding Complementary and Alternative Medicine (CAM)
The Cleveland Clinic, a nationally recognized provider of traditional medicine, categorizes CAM approaches as follows:
- Mind-body techniques: yoga, hypnotherapy, meditation, biofeedback
- Manipulation and body-based practices: massage, chiropractic, osteopathic manipulation
- Energy force therapies: acupuncture, Qi gong, Tai Chi
- Other approaches: aromatherapy, herbal remedies, art therapy
Determining Your Coverage for Complementary and Alternative Medicine
Insurance companies’ coverage for CAM varies widely. However, the best way to ensure CAM coverage is to consult your traditional medical provider first and request a referral or approval for CAM. Some physicians and other conventional providers collaborate with specific CAM providers.
Additionally, you should contact your insurance carrier to confirm whether and to what extent they cover CAM. They may cover chiropractic, acupuncture, and massage therapies, though policyholders often pay a higher share of the cost than for traditional treatments.
If you prefer a specific CAM therapy, consider CAM coverage when selecting your next health insurance plan.
Securing Health Insurance through Harrison Insurance and Financials LTD
If you reside in or near Hailey, ID, and need health insurance for yourself or your family, call the team at Harrison Insurance and Financials LTD at (208) 788-3255. We’ll assist you in structuring a plan that meets your needs.
