Does Traditional Health Insurance Cover Homeopathic Medicine?

Updated on September 24, 2020

By definition, homeopathy is a branch of alternative medicine that adopts a holistic approach and subscribes to the notion that the body is a self-healing system. Homeopathic medicine is considered an over-the-counter drug, which does not fall under the prescription medicine category. As a result, insurance companies that offer widespread coverage of homeopathic treatment aren’t commonplace, as the FDA only partially regulates certain aspects of alternative medicine in the United States.

With these limitations in mind, homeopathic medicine coverage will depend on the type of treatment, the specific medicine, and the individual medical professional. Because health insurance coverage isn’t a simple yes-or-no question and will ultimately depend on multiple factors, consumers should visit a reputable health portal like this. These online resources will allow a future beneficiary to verify whether medical professionals in their area will accept health insurance for homeopathic care.

What factors affect the coverage of homeopathic medicine?

The type of treatment, medicine, and certification of a given healthcare professional are three common factors that will determine the availability of homeopathic medicine coverage.

Type of treatment

Homeopathic treatment is mainly divided into acute and chronic illnesses. Acute treatment refers to common health conditions, such as seasonal flu, allergies, and muscle pain. If you’re requesting a routine procedure, it’s easier for a licensed doctor to prescribe homeopathic medicines that your insurance provider will readily cover.

On the other hand, it may be more challenging to receive coverage if the homeopathic treatment works to alleviate chronic-disease-related symptoms. If a healthcare provider diagnoses a patient with a chronic illness, the individual will suffer from long-lasting and recurring health issues. In these cases, almost every health insurance provider will refuse to cover or recommend homeopathic treatments. 

Type of medicine

Your doctor and your health insurance provider will only approve homeopathic medicine if it fulfills specific FDA criteria. To gain a better understanding of what your doctor may recommend, understand that homeopathic medicines such as tablets, pallets, and topical oil aren’t a cause of significant concern unless they contain high-risk and less-diluted chemical contents. While the FDA doesn’t regulate homeopathic medicine, these officials aren’t overly concerned about oral homeopathic treatments and organic oil that don’t pose a health risk in ordinary patients.

In contrast, the FDA is concerned about medicines that are commonly used as an alternative to cure chronic diseases such as cancer. With diagnoses like cancer, asthma, or diabetes, the FDA doesn’t recommend relying on homeopathic medicine, administered by injection or taken nasally. Similarly, the FDA disapproves of administering homeopathic medicine to children, pregnant women, and the elderly.

Licensed medical professionals

Besides the previous two factors, your medical insurance company would only consider homeopathic doctors officially licensed as medical practitioners. With websites such as the American Board of Medical Specialties at ready access, it’s easy to verify a physician’s licensing. 

Often, the doctor is licensed in a particular specialty, which means that you may miss their credentials. Under these circumstances, you should call their office to ensure that you’re dealing with a certified professional, which will allow you to obtain coverage with ease.

How do you get homeopathy health insurance?

The first step is to talk to an insurance representative to determine if they can cover your homeopathic treatment costs. In most cases, the medical consultant will explain your options in great detail. For example, they may also overview your other insurance benefits, such as coverage for routine doctor’s visits and lab tests.

Irrespective of the answer you receive, the second step is to call your doctor’s office and let them know that you’re seeking medical insurance to cover the cost of homeopathic medicine. At this point, your doctor will let you know if they accept such alternatives. 

Once you’ve found an insurance company and a doctor who’s willing to accommodate your preference for homeopathic medicine, a patient should ask their insurance company to preauthorize them to visit the doctor. These patients should also request pre-authorization for homeopathic prescriptions. Pre-authorization will cover the entirety of your medication or treatment costs, or it will partially cover your medical expenses.

In other instances, your doctor will give you a superbill or a summary of your expenses to pass along to the insurance company. Depending on the amount of coverage you’re seeking, the health insurance provider will reimburse you the entire cost or a partial sum.

Final thoughts

As evident by the above explanations, it’s possible to cover the expenses of your homeopathic treatments. To simplify the process of seeking coverage, you should consult your health insurance provider and your primary care provider prior to the treatment. That way, every party involved will be on the same page, and you’ll receive maximum compensation.

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