Alternative medicine, holistic wellness and homeopathic remedies are becoming more and more commonplace. The increased awareness of the benefits of living a healthy lifestyle has resulted in a greater awareness about holistic wellness and a renewed interest in alternative medicine.
In response, because of the increased customer demand for alternative treatments in addition to a growing body of scientific evidence demonstrating the benefits and cost-effectiveness, an increasing number of insurance companies and managed-care organizations are covering some forms complementary and alternative medicine.
A recent survey of 18 major HMOs and insurance providers, including Aetna, Medicare, Prudential, and Kaiser Permanente, found that 14 of them covered at least 11 of 34 alternative therapies.
Holistic Health Insurance Coverage’s
The following is a list of some the most common alternative therapies covered by insurance:
- Chiropractic Care – Coverage for those who visit a chiropractor to support their holistic wellness and to get healing therapy.
- Acupuncture is an alternative medicine covered by a number of health insurance companies.
- Healing Massage Therapy – Some of the best holistic health insurance companies provide coverage for healing massage therapy and wellness treatments.
Other therapies that are increasingly being included are herbal remedies, homeopathy, mind-body stress management, and meditation.
Holistic and Homeopathic Treatment Considerations
Questions to ask a health insurance company before receiving holistic or homeopathic treatments:
- Find out if there are exclusions, like a pre-set number of office visits for a specific condition.
- Determine if co-payments are required, and if so, the amount to visit any holistic provider.
- Make sure to ask the medical insurance provider if a referral from a primary care doctor is required before seeing an alternative medicine provider.
The Senate is Considering Expanding Mandatory Insurance for Alternative Therapies
The proposed legislation would allow doctors to incorporate alternative health providers in some treatment plans. It also includes language that some believe could require insurance companies to expand their coverage for alternative therapies, on which Americans now spend $34 billion a year.