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Complementary Treatments

Questions To Ask Your Insurer Before Starting A Complementary Treatment

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The following questions are from an article by Cathy Wong from About.com:
  • Does this care need to be pre-authorized or pre-approved?
  • Do I need a referral from my primary care provider?
  • What services, tests, or other costs will be covered?
  • How many visits are covered and over what period of time (for example, 6-10 visits a year of acupuncture)?
  • Is there a co-payment?
  • Will the therapy be covered for my health condition?
  • Will any additional costs be covered, such as lab tests, dietary supplements, equipment, or supplies?
  • Will I need to see a practitioner in your network? If so, can you provide me with a list of practitioners in my area?
  • If I use a practitioner who is not part of your network, do you provide any coverage? Are there any additional out-of-pocket costs?
  • Are there any dollar or calendar limits to my coverage?

 





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