What to ask your insurer
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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 that 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?
—Tammy Worth
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