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Insurance Challenged?

An increasing number of insurance companies are covering complementary or alternative therapies such as acupuncture, massage, and chiropractic care. Here’s how to increase your chances of getting coverage for acupuncture treatments:

Call your insurance company and ask the following questions:

  • Does my plan only cover services determined to be medically necessary?
  • Does complementary/alternative care need to be pre-authorized or pre-approved?
  • Does my plan limit the conditions it will cover?
  • Will I need to see a practitioner in your network?
  • Is coverage available for care provided by out-of-network practitioners?
  • Is there a co-payment?

Make a Case for Your Coverage
Discuss your health concerns with your primary-care physician, who may recommend alternative medicine as part of your treatment plan. If your insurance company offers only in-network practitioners you can petition your insurance company to accept your preferred practitioner.

FYI: Many Lives Chines Medicine is a preferred provider in the following insurance networks:

  • Blue Shield
  • Cigna
  • Integra
  • Optom Health
  • Sequoia Physicians Network
  • UMR
  • United Healthcare

Research Riders and FSAs
Some insurance companies allow you to purchase a rider (an amendment to your policy) that expands your coverage of complementary and alternative medicine. Your employer might also offer an FSA (or “flexible spending account”) that lets you set aside pretax dollars for uncovered health-related expenses each pay period. After submitting your receipts from your alternative-medicine practitioner, you’ll be reimbursed for any qualifying expenses. Although eligible fees often include chiropractic and acupuncture treatments, deductibles, and co-payments, it’s important to check your plan to find out which expenses qualify for reimbursement.

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