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 Posted: Sat Feb 28, 2009 10:26 pm Post subject: What about alternative medicine? |
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I've been having a lot of health problems lately. We've gone to the hospital and seen all kinds of doctors. We've done EKGs, CEGs, CAT scans, HIDA scans and blood tests. All the test come back "absolutely normal" or "within normal range." But what I've been feeling is anything but normal.
My husband and I have decided to pursue more "natural" treatments. Does health insurance cover things like nature paths, chiropractors, or acupuncturists? |
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AnnaRaC
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| Posted: Sat Feb 28, 2009 10:34 pm Post subject: |
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Anna,
The best answer to this is a non-answer: You need to read your policy or speak to your agent. Each company's policy is different, so no one here can answer questions about your policy in your state.
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ChristyP
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| Posted: Sat Feb 28, 2009 10:35 pm Post subject: |
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| Most insurance companies will cover chiropracters but usually have a co-pay and a limit on the number of yearly visits. I myself have not heard of acupuncturists being covered but it could be possible. I also do not know how much faith I put into chiropracters personally. It seems once you start going you are always returning for some type of treatment. I went to one for a year and then just quit going. It seems the more they put me in line the more I fell out of line. Excerize is a good alternative to them. Also if their is a serious ailment I can not see how a chiropractor can fix theis. Sometimes it just takes running several tests to get to the root of the problem. I am going through some struggles myself and have had lots of ongoing testing. There are so many parts of the body and sometimes it just takes testing to get to the one causing the problems. Good luck. |
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fireyone
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| Posted: Sat Feb 28, 2009 10:37 pm Post subject: |
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| My plan seems a little cryptic is says that the treatment needs to be "determined to be medically necessary." What does that mean!? And who gets to determine it? |
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AnnaRaC
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| Posted: Sat Feb 28, 2009 10:42 pm Post subject: |
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If they determone it to be medically necessary then usually you will need your family Docotr or someone to prove that this is a necessary treatment. I am not really skilled in the health insurance field but recently I needed a CAT scan according to the emergency room doctor but since he was not my family physician my health insurance would not cover the test unless my fammily Doc examined me and felt that I needed the test.
I would call your health insurance provider and ask what it would take to get something approved and deemed medically necessary. |
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fireyone
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| Posted: Sat Feb 28, 2009 11:59 pm Post subject: |
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| If they do offer coverage for this type of treatment its usually limited as those types of treatments are not going to correct the problems. As mentioned, you need to read your policy or speak to the insurance company. |
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tcope
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| Posted: Sun Mar 01, 2009 1:31 am Post subject: |
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Most (i suppose all) companies deal with allopathic treatments,but still there is some chance for the alternate practices which you mentioned to be covered by insurer.  |
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amit
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| Posted: Sun Mar 01, 2009 3:23 am Post subject: |
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| I have to say tscope nailed a really good point when he said the limited treatment probaly would not correct the problem. I would further have it evaluated by more testing if I had to. |
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fireyone
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| Posted: Sun Mar 01, 2009 5:03 pm Post subject: |
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| Quote: | | My plan seems a little cryptic is says that the treatment needs to be "determined to be medically necessary." What does that mean!? And who gets to determine it? |
Medically necessary means you have a medical condition that requires medical attention.
For example, breast cancer is a medically necessary condition, getting a boob job is not. Scar reduction removal may be medically necessary but tattoo removal is not.
It's not necessary to read "what's covered" in your medical plan. The place to read is the EXCLUSIONS.
What I'm about to write is going to sound perhaps a bit like reverse absurdity but it's not.
EVERYTHING, and ALL medical conditions are covered under your medical policy EXCEPT those conditions which are specifically EXCLUDED.
So,... my advice,... get your policy out and read the EXCLUSIONS.
It's not necessary and a waste of time to pollute your brain with every type of medical condition that could manifest itself...if its NOT EXCLUDED then its COVERED up to the limits and provisions under the policy.
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GarySpicuzza
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| Posted: Sun Mar 01, 2009 5:21 pm Post subject: |
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| Quote: | | .if its NOT EXCLUDED then its COVERED |
gary perfect one.!! People need to follow this simple statement in order to get the best health care product.
Surely this will give clear understanding exactly which terms one should look while dealing with any health insurance company.
It's not really very difficult. greatness of anything lies in it's simplicity. |
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amit
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| Posted: Sun Mar 01, 2009 7:02 pm Post subject: |
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Thank you, Amit
Now let me give you a little English lesson because you're a smart person.
I'm NOT being critical, the "average" high school graduate in America thinks the word great it spelled...gr8.   ...and they are totally clueless on the derivative known as grate. That spelling (gr8) grates me.
| Quote: | | greatness of anything lies in it's simplicity |
The word it's... is a contraction of the two words it is written as it's.
Undoing the contraction then reading your phrase would not make sense:
greatness of anything lies in it is simplicity
The word its in the context of your phrase denotes the possessory of the subject.
greatness of anything lies in its simplicity
Meaning anything that has greatness possesses simplicity.
Such as this simple statement:
You can't get out of debt by borrowing money.
 Again, I'm NOT being critical; just trying to help you talk American!...'cause we don't speak English over here...
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GarySpicuzza
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| Posted: Sun Mar 01, 2009 10:15 pm Post subject: |
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Gary thanks so much!
"EVERYTHING, and ALL medical conditions are covered under your medical policy EXCEPT those conditions which are specifically EXCLUDED."
That's the best advise I could have gotten! |
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AnnaRaC
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| Posted: Mon Mar 02, 2009 12:32 am Post subject: |
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You're welcome.
But FREE insurance advice comes with a price. $$$
Click  HERE with your speakers turned up and your ear muffs on! 
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Gary Spicuzza, *SAFE
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GarySpicuzza
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| Posted: Mon Mar 02, 2009 8:46 am Post subject: |
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Hi Anna! Most likely the insurer wouldn’t cover the complementary and alternative treatments, also know as CAM. According to the insurer the benefits of these treatments are hard to establish on the health condition of the recipient. Hence, to get yourself covered for these alternative treatments you’re required to collect evidences of improvements in your medical condition.
However, not all policies have the same conditions. Hence, if you’re determined to receive certain alternative medication but aren’t getting coverage under your current health plan, you have to start searching.
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boxfullofrocks
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| Posted: Mon Mar 02, 2009 9:20 am Post subject: |
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| yes health insurance cover all aspects of treatment |
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abhrocks687
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