Does Insurance Cover Alternative Medicine?

Nov 01, 15 Does Insurance Cover Alternative Medicine?

About 1/3 of adults in the US alone use some form of alternative treatments. Therefore, the issue of insurance coverage for this form of medicine is rather pressing. In the vast majority of cases, people have to pay for these treatments out of their own pockets as insurance companies often seem to discriminate against alternative medicine. But is this really true?

According to the Affordable Care Act, health insurers are obliged to provide reimbursement for any necessary treatment. The loophole they use to avoid covering alternative medicine is that there isn’t the same stipulation for the required coverage. Therefore, insurance companies claim that some forms of treatment either aren’t a medical necessity or are experimental and therefore don’t guarantee a positive result. As such, they are exempt from the insurance coverage that only reimbursed the costs of “real” traditional medicine.

Can I Get My Insurance Company to Pay for Alternative Treatments?

As the popularity of alternative medicine is growing, you might have a chance to get your insurance provider cover the costs of some treatments. However, you need to understand your limitations in this matter.

First of all, you will need to prove that the treatment in question is a medical necessity. For example, you won’t be able to use it to pay for any form of weight loss tools and drugs, even if losing weight is a necessary stipulation in your doctor’s treatment plan. Should you decide to buy some supplementary tool, like a top waist trainer, you will have to pay for it on your own as using it is not a medical necessity, even if the product in question is effective and will help you obtain your medical objective.

If you want to save some money on buying a tool like this, you should study reviews posted on here. This way, you will find the most affordable quality product. Note that should you develop any health problems because of using a low-quality waist trimmer, your insurance won’t cover the treatment. In this situation, you will need to sue the manufacturer.

However, there are some forms of alternative medicine that your insurance carrier will have to cover. Even if they aren’t included in your policy, you may get reimbursement for:

  • Chiropractic
  • Acupuncture
  • Electronic stimulation
  • Biofeedback
  • Supplements

In order to get your insurance company pay for these treatments you will need:

  • Doctor prescription.
    A treatment is considered a medical necessity only if it’s prescribed by a licensed medical practitioner. Therefore, a prescription is a must have document you will need to present to the insurance company in order to prove that you really require this form of treatment.
  • Proof of efficiency.
    As alternative medicine methods are widely researched today, you should be able to find this kind of proof with relative ease. Look for publications in peer-reviewed medical literature that ascertain the efficiency of the form of medicine you are interested in.
  • Proof of quality.
    Note that alternative medicine providers don’t adhere to the same quality regulations as traditional medical services. Therefore, you will need to provide the insurance company with copies of certifications that prove the quality of the supplements or skills and knowledge of service providers (chiropractors, acupuncturists, etc.).