is there a good insurance company for alternative medicine and dental?
Sep 04, 2010 in
Health FAQs
i’m looking for a new insurance policy. is there one that is cheap and will accept alternative medicines?
also i need a dental policy with it for a broken tooth i’ve got…and to get some amalgams removed.
Like this post? Subscribe to my RSS feed and get loads more!
4 comments
oldtimekid2 on September 4, 2010 at 6:12 am
Unfortunately, most insurance policies don’t cover alternative medicine because they don’t cover preventative options. It would be cheaper for them to prevent problems than to treat problems, but it’s almost impossible to prove that a preventative would prevent any specific condition more than any other option.
Let’s say for the sake of argument that Vitamin C was proven to cure Disease X. An insurance company may not pay for a Vitamin C pill because of the justification that you could get that from an Orange anyway (and no insurance I’ve ever heard of will pay for food that’s given outside of a hospital).
With that being said, there are some insurance options that cover preventative practices if they are used for recovery such as Chiropractic and Physical Therapy, but they typically wouldn’t cover either if you go every week or two "just for the heck of it" for maintenance.
Granted, dental is a very different story and there are many options that’ll cover what you’re looking for. You can ask your local insurance companies what their options are or you could even ask this question in the Insurance section in Y!A for more details on why they won’t cover preventative. Good luck and I hope I helped!
Mathieu on September 4, 2010 at 6:12 am
Not at all.
If there was an insurance company that did cover alternative medicine it would cost a lot.
Also, the other guy is somewhat wrong, many insurance plans (and I am talking about American plans) do cover some preventive care like vaccines, a yearly physical, and so on. However, no matter you opinion on the subject, insurance will not cover alternative medicine since it is not proven nor will they cover experimental conventional treatments, often they will not even cover off label use of drugs.
Even if alternative medicine is completely legitimate it won’t be covered until it can be proved.
And physical therapy is not alternative medicine and it is normally covered.
Weise Ente on September 4, 2010 at 6:12 am
Since it is in the best interests of insurance companies to only pay for what works, they do not cover alternative medicine.
frank on September 4, 2010 at 6:12 am
It may depend upon what you mean by alternative medicine. Many policies cover chiropractic care, physical therapy, massage therapy, and acupuncture; and the list is growing. You just have to ask your policy representative about it. It may be more expensive, it may not – insurers all have a multitude of factors they consider before setting your price. However, as said elsewhere here, it is doubtful they will cover preventative measures. That being said, I have seen many, many physicians or alternative medical practitioners who take insurance work the system (within limits) to get you the care you need while still having it be covered by insurance.
You must be logged in to post a comment.