Group Health Insurance - Alternative Medicine Style
Many people suffering from an illness or injury may be reluctant to try alternative medicine over conventional forms of treatment because of the cost. Many health insurance companies do not cover numerous necessary modern medical treatments, let alone alternative therapies. In the long run, however, alternative medicine treatments are cheaper to fund than those used in conventional medicine.
In The Beginning
Providing any type of insurance is big business these days, and that includes group health insurance for alternative treatments. The insurance company is selling you a service only because they want the profit that goes along with it. Many insurance companies feel intimidating, but remember that they need your business. While it may not appear so, most insurance policies are not carved in stone, so don't be afraid to try to personalize it a little.
Group health insurance for alternative medicine means that a group of people would buy into the same plan. This is the usual plan that you would receive from your employer. As of now, you cannot get health insurance that covers alternative medicine just for yourself. There are group health insurance for alternative medicine plans that can be obtained through a social service agency or through other organizations. You should check the Agency for Healthcare Research and Quality for help finding these plans.
Times are changing, and more and more people are realizing the benefits of alternative medicine and demanding access to these services. Now, some health insurance policies will cover alternative treatments like chiropractic care, acupuncture, and even hypnotherapy. Check with your insurance company and start requesting the addition of alternative treatments to your plan. Organizing group health insurance (alternative or conventional medicine insurance) takes time and patience. However, there are a few things you can do to move towards being able to get some sort of compensation for your alternative medical treatment costs:
* Ask your provider if they will accept installment payments, instead of paying for services all at once.
* Have your primary care physician explain in writing why this treatment is necessary for your health and well being.
* Get in touch with the Alternative Medicine Foundation or the National Centre for Complimentary and Alternative medicines for research papers and other information your insurance company may need to convince them that the treatment you received was absolutely necessary to help your specific symptoms and ailment.
* Know and don't be afraid to use your insurance company's appeal process. If your claim is denied and you think it has been denied unfairly, then follow the steps outlined in the appeal process.
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