What to ask

Los Angeles Times - - Medicine - —Tammy Worth

The Na­tional Cen­ter for Com­ple­men­tary and Al­ter­na­tive Medicine rec­om­mends ask­ing the fol­low­ing ques­tions of your in­surance provider be­fore seek­ing al­ter­na­tive or com­ple­men­tary treat­ments:

Is this treat­ment cov­ered for my spe­cific health con­di­tion?

Does this treat­ment need to be preau­tho­rized, preap­proved or or­dered by a pre­scrip­tion?

Do I need a re­fer­ral from my pri­mary care provider?

Do I have to see a prac­ti­tioner who is part of my net­work for the ser­vice to be cov­ered?

Is there any cov­er­age for out-of-net­work providers for this ser­vice?

Are there any lim­its I should know about, such as a re­stric­tion on the num­ber of vis­its that are cov­ered?

How much will I have to pay out of pocket?

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