Alternative medicine has become increasingly popular in recent years. With many options available to try instead of traditional Western medicine, many have turned to alternative medicine such as chiropractors, acupuncturists, or herbal medicine specialists for medical needs.
It is worth noting that not all alternative medicine practices can replace modern medical treatments, and patients will be referred to a specialist for follow-up care.
Many insurance companies have begun to include alternative medicine as part of their coverage. But how do they cover these visits?
What is alternative medicine?
According to a recent study conducted at the University of Colorado by Kisline and Stiegmann (2022), “alternative medicine is a broad term encompassing a variety of medical modalities. These are typically supported by tradition and seldom taught in the Western medical setting.”
Examples range from ancient Eastern practices of acupuncture, and Chinese herbal medicine, to chiropractic manipulation, which is thought to be a more modern approach.
Many of these medical practices have been practiced for hundreds of years. Herbal medicine was common before the 1800s when the study of anatomy and physiology helped support modern medicine.
Why choose alternative medicine?
Today, alternative medicine is still used and is often used instead of prescription drugs or surgeries.
Alternative treatments and home remedies are often used for cold and flu symptoms, such as essential oils or supplements to support immunity. Chiropractic care or acupuncture can be used to relieve pain without having to have surgery.
Using alternative medicine is not a treatment for all ailments. For example, if you have an infection and require antibiotics, modern medicine proves to be superior in providing treatment to prevent further complications.
How insurance policies cover alternative medicine
Alternative medicine is a service that is currently included on some insurance policies, but with limits. For example, policies will only cover 20 acupuncture visits and 20 chiropractor visits
The cost of these visits will typically go toward your deductible because they are elective. Usually, you would pay a discounted rate than a cash-paying patient, but sometimes you are charged the same price.
That said, the network of alternative providers who accept insurance is usually smaller, so if you have one you prefer to go to, you may not be able to take advantage of this benefit.
Similarly, if your provider does not accept insurance, then you must pay the cash price for the visit. This means that your health insurance won’t cover the cost of the visit at all.
Overall, alternative medicine is becoming more common. Trying it may be worthwhile depending on the care you need, but don’t expect your insurance to cover much of the cost, as it is still considered an elective service. One day, alternative services may be covered more, but for now, coverage remains on a limited basis.