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25.04.2014

Does insurance cover alternative medicine, a vaccine for herpes - Test Out

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Americans spent nearly $34 billion out of pocket on alternative and complementary medicine in 2007.
Fortunately, private health insurance does offer these alternative treatments in their policies. Usually the term alternative medicine to all those medical practices that remain outside of traditional medicine or are not recognized by it as it is not supported by evidence obtained through the scientific method.
Alternative medicine is very popular due to the interest of many people to access more natural and healthy treatments considered most dependent elements of nature and less of chemical and pharmacological substances commonly used in Western medicine. Alternative medicine has its limitations when it comes to solving complex health situations because the range of its components is not as extensive.
Health insurance may include alternative medicine techniques in their policies or offer them as optional coverages.
Moreover, keep in mind that there are many therapies encompassed in the term alternative medicine, and are not always included all. Other treatments of alternative medicine that can be found in some health insurance are laughter therapy (using laughter to improve physical and mental condition) or music therapy. The Insurance TalkThe Insurance Talk blog is all about insurance, you will find all kinds of useful information about any insurance type and issue .Insurance news, in-depth analysis on the insurance sector and other items of interest. Americans spent $33.9 billion on alternative medicine in 2007, most of it out of pocket, according to the National Institutes of Health.


However, many health insurance plans offer some coverage for some types of alternative medicine, says Mary Kelley, business office manager for the Bastyr Center for Natural Health in Seattle.
Specifics depend on your insurance company, the type of treatment and your health condition, she says. Acupuncture can be used to treat a variety of conditions from seasonal allergies to migraines to back pain, according to a primer on acupuncture from the UC San Diego Center for Integrative Medicine. Coverage varies by plan, according to the Association for Applied Psychophysiology and Biofeedback (AAPB). Many plans exclude biofeedback, but some cover it for specific medical conditions, such as incontinence or migraines.
For example, one plan covers biofeedback with a $30 copay while another has 30 percent coinsurance. Chiropractic care is covered by most health insurance plans, Medicare and some Medicaid plans, according to an FAQ from the American Chiropractic Association. Insurers often cover chiropractic care for patients suffering from migraines or back or neck pain from a car accident, Kelley says. The insurance company might first agree to cover four or five visits, then approve more sessions if the patient’s condition improves, she says. Check with your insurer or broker to get details on what types of alternative medicine your plan does and doesn't cover, says Eric Wilson, a licensed health insurance agent in Illinois.


If your insurer won't cover a treatment such as acupuncture or chiropractic care, or if you want an experimental therapy, you might have to pay out of pocket. In general, you should plan to pay for alternative care because many types of treatments aren't covered, Wilson says. The coverage may also provided limited visits or cover only some of the services the provider offers.
If you turn to alternative treatments, don't count on your health insurer to foot the bill. Some insurers cover biofeedback only for certain conditions, such as tension or migraine headaches, Kelley says. Insurance companies typically cover 50 to 80 percent of the cost of hypnosis performed by a licensed professional, according to the ASCH. For example, Aetna sometimes covers acupuncture, biofeedback and chiropractic care, but has a long list of alternative treatments that aren't covered -- including aura healing, Chinese blood cleansing, laughter therapy, meditation and yoga. The Cost of Alternative Medicine Americans spent more than $33.9 billion out of pocket on alternative and complementary medicine in 2007, the latest year for which comprehensive federal data are available.



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