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Health Insurance Cover for Natural and Alternative Health Care

Jonathan March 17th, 2012 0 comments

With today’s modern medicine, technological progress powers the health system. Researchers are constantly developing new treatments for illnesses based on cutting edge advances in medical care, and as a result, many lives have been saved.

There are many instances, however, where a patient may decide to forgo regular medical treatment in favour of what’s known as natural or alternative health care, or to utilise such treatment together with modern medicine.

If you don’t want to pay for these services out of pocket, check to see if they may be covered by a private health insurance plan, as otherwise they can become quite costly.

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Why Natural or Alternative?

There are several reasons why someone would choose an alternative health care route when faced with a medical issue. The patient may have tried a standard medical procedure and met with failure. The options then are to continue trying to find a medical remedy or to try something else.

Another reason would be that an individual may prefer to avoid taking certain medicines. For example, some medications may cause side effects that could become severe. Many people believe in the natural resources in the world to provide effective cures and remedies for illnesses.

Although in general there are fewer studies related to the effectiveness of natural and alternative medicine, there exists a large volume of anecdotal evidence supporting its use and effectiveness.

What Treatments Are in This Group?

There are various types of treatments that call under the heading of natural and alternative medicine. Herbal medicine, Chinese medicine, chiropractic care, homeopathy, reflexology, Alexander Technique, Bach Flower remedies and Ayurvedic medicine are some examples, but there are many more. Some of these treatments, such as chiropractic, work with the body to work out any kinks without the use of medication, while others, such as Bach Flower remedies, introduce different supplements that are said to cure various issues. Some seek to target physical ailments, while others are directed at psychological impairments.

Is it Covered by Insurance?

Since these treatments are not considered standard in the medical community, they are not necessarily covered by every private health insurance; but you can often find policies that will cover for them. Alternative therapists who are members of a professional organisation are more likely to be covered by insurance, so bear this criterion in mind when you compare health funds for alternative care. In general, many types of ancillary care even within the framework of normal medicine are only covered in specific packages for extras coverage, and natural and alternative health care may be included.

If you typically enjoy alternative medicine or believe that you may need it in a specific instance, check with different private health funds before you register to see what kinds of ancillary care they cover and whether or not there are extra costs associated with the coverage. While many funds will cover at least some of these services, they may state specific conditions, limitations and exclusions, or extra costs such as excesses. A private health insurance comparison will yield the information you need to make the best decision.

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