We all love choices and health insurance plans are no exception. Most insured get their plans through their or their spouse’s employer with two popular types of insurance plans being HMO and PPO. The HMO plans are least expensive and have many exclusions (no massage, chiropractic, or other holistic healthcare treatments). HMOs limit subscribers to an approved list of in-network providers while PPOs allow you to choose any “credentialed” provider (meaning, they must be pre-approved to bill for their services). Additionally, PPOs don’t require a PCP referral to a specialist (but still required for skilled therapies).
PPO plans offer greater flexibility and many cover things such as chiropractic, acupuncture and massage – all worth the out of pocket costs if you have a condition that responds well to those therapies. Choosing the plan that fits your needs best is the right one for you. In light of the many healthcare services that are not covered by either type, it’s important to know which one covers more of the services YOU value and will pursue for YOUR WELLNESS.
The following are highly effective wellness-healthcare services that may or may not be covered by most insurance plans. Alternative care out-of-pocket costs can be outweighed by positive outcomes with minimal or no harmful side-effects as compared to the purely pharmacologic approach:
Acupuncture and Reflexology
Aging in Place consultations and life care planning
Bi-Pap and C-Pap apnea machines
Brain SPECT Scan (Single-Photon Emission Computed Tomography)
Cold Laser (low level light) Therapy for pain
Dental Implants (unlike dentures, they are longer lasting, natural looking, protect gums and lower jaw from erosion)
Durable Medical Equipment, disposables, supplements
Facial Plastic and Reconstructive Surgeries
Functional Medicine (may be ARNP or Naturopath)
Functional Nutrition (a holistic and practical approach that is more effective than food pyramid-based diets)
Hyperbaric (oxygen) Therapy
Integrative (Alternative) Naturopathic Medicine
Irlen Spectral Lenses and eyeglass frames (see Irlen.com)
Marriage and Family Counseling
Massage Therapy (may be covered only when provided by a chiropractic or skilled therapy clinic)
Nutraceuticals (nutritional supplements that can be more effective and safer than drugs)
Oral Appliances for TMJ and Sleep Apnea
Pulsed Electro-Magnetic Field and Infra-Red treatments
Regenerative Medicine: Platelet Rich Plasma injections (PRP) and Prolotherapy
SPECT brain scans (see AmenClinics.com)
Weight Management treatments and counseling
Other non-traditional, holistic treatments
Yes, many of us are on tight budgets and many decline WELLNESS treatments stating, “my insurance does not cover that so I can’t afford it.” Time lost from work and quality time with family due to illness costs more in the long-run. But just imagine the potential of extending the quality of one’s life, improving our relationships, being around for grand-children, and getting to check off more things on our bucket list all because we saw those out of pocket wellness costs as INVESTMENTS in our health and future. Don’t fear asking about payment plans or cash discounts.
If your insurance plan does not cover skilled therapy or if you have an HMO or plan that does not reimburse our clinic, we now offer CareCredit(R), an interest-free* healthcare credit card that is accepted by many healthcare providers nationally. The application process is quick and the terms are hard to beat when you pay your balance within the designated term. Call our office to see if your insurance covers our services and we will assist you with your payment options including applying for CareCredit.
It’s up to each of us to love ourselves more than our insurance coverage provides. This is a great month to choose to love life with the best healthcare above and beyond our insurance plan. Don’t put off WELLNESS over out of pocket costs, START LOVING YOURSELF MORE than your insurance does and INTEGRATE YOUR LIFE TODAY!
*(when paid in full withing a promotional period of up to 24 months)