In 2007 alone, Americans spent over $33 billion out of pocket for alternative and complementary medicine. That price tag includes visits to massage therapists and chiropractors, as well as various products such as supplements. Even though alternative medicine only accounts for 1.5 percent of the total health care spending across the country, it makes up more than 11 percent of the total out of pocket costs.
Under the Affordable Care Act, insurers are not allowed to discriminate against licensed health care providers who provide alternative medicine, but they are not required to provide coverage. This means that insurers can put a limit on the amount of coverage that they provide for products and care that they do not consider medically necessary or think is experimental.
If you are looking into alternative medicine, but are not sure if your health insurance provider will provide coverage, there are some steps that you can take. The first step is to contact your provider and ask if you have coverage for the treatment and if there are any copays that will be required. You should also talk with local alternative medicine providers to discuss your insurance plan to see if they will accept it, and find out about any additional costs that you may have to pay.
For all of your health insurance needs and to ensure that you have the right amount of protection for any care that you require, contact Sackett & Associates Insurance Services in Sonoma County, California.