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Medical insurance coverage can be confusing to many people. People often have many questions about what types of treatments their insurance will cover, especially when it comes to complimentary and alternative medical treatments, also known as CAM treatments. There are various types of alternative medical treatments that can be covered by insurance policies, such as acupuncture and other types of complimentary medicine. There are several things you can do in order to get coverage on alternative medical treatments.
CAM treatments include any type of mind and body treatments and acupuncture, but it is a broad field of medical treatments. Mediation, message therapy, and spinal manipulation are also very common types of CAM that many patients suffering from pain benefit from. Traditional healers are also considered an alternative medical treatment for a lot of different ailments. Healers are specialized in alternative ways of handling medical problems.
Some people prefer mind and body treatments to heal their illnesses and pain instead of prescriptions and commonly used medical treatments. The only problem people face when choosing alternative medical treatments is that they can be expensive and normally aren’t covered by insurance policies.
The truth is, in order to get alternative medical treatment covered by your insurance policy, it all boils down to choosing the right doctor. A patient seeking alternative medical treatment needs a doctor who supports and backs their decision to participate in natural healing or alternative methods. A doctor who doesn’t support the type of treatments the patient is asking for will be a huge barrier in getting the treatment approved by an insurance company.
Building rapport with your doctor is an important step in getting CAM covered by an insurance company. By building rapport with your doctor, you can discuss different treatment modalities with them and not worry about whether or not they support your decision. Doctors who are open to treatment suggestions and listen to their patients concerns are usually the type of doctors who will consider prescribing an alternative treatment.
It might be to your advantage to shop around and search for a different doctor if the doctor you are currently seeing isn’t open to discussing alternative methods of medical treatments. Sometimes you will run into the problem where a particular doctor isn’t open to any other type of medical treatment, and if that is the case, you will have no chance of getting insurance coverage for the alternative treatment. If this is the case, and you are determined to stand up for the treatment option you want, then you should search for doctors who advertise that they support alternative treatments.
Depending on the type of treatment you need covered by your insurance policy, the next step after finding a supportive doctor, is to openly discuss the treatment option with the doctor and ask for a prescription for the treatment. Typically, even with common treatment options such as physical therapy, in order to get insurance companies to pay for the treatment, a doctor prescribes the therapy in the form of a written prescription. The same rules apply to getting CAM covered, which is why it is important to have a doctor who will prescribe the treatment you want.
One of the main reasons why insurance companies deny coverage for alternative treatment is due to the fact that little research has been done in how effective the treatments are. This isn’t the case with some forms of alternative treatment methods, like message therapy and spinal manipulation. These methods of treatment have been shown to be an effective way of relieving pain in patients with Scoliosis, Sciatica, and Fibromyalgia. The more well-known a treatment method is, the better the chances of a doctor prescribing the treatment instead using the standard approach of prescribing pain medication that can become habit-forming to people with chronic pain.
The number one factor to consider when trying to get insurance companies to cover alternative medical treatment is finding the right doctor. Being able to convince the doctor to prescribe an alternative treatment is the key to having an insurance company approve it. Another point worth mentioning is that some insurance companies are more lenient in what types of treatments they consider CAM, while others are more strict. Finding the right type of insurance and finding a doctor who supports natural medicine together will serve to your advantage.