Path to Alternative Therapies is Littered With Obstacles

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Path to Alternative Therapies Is Littered With Obstacles

 

http://www.nytimes.com/2009/11/14/health/14patient.html

 

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By WALECIA KONRAD

Published: November 13, 2009

 

WHEN Diane Klenke was told five years ago that she had pancreatic cancer, she

was given three months to live. " The doctor told me to go home and put my

affairs in order and that was it, " Ms. Klenke, now 52, remembered.

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Darren Hauck for The New York Times

 

Diane Klenke used alternative therapies and even got her insurer to pay some of

those costs in treating her pancreatic cancer, which is now in remission.

 

Instead of taking that advice, Ms. Klenke, who lives in Green Bay, Wis., decided

to fight. She researched other doctors and alternative therapies until she hit

upon the Block Center for Integrative Cancer Care in Evanston, Ill., which uses

an approach of traditional and holistic therapies to treat cancer patients.

 

After undergoing intense chemotherapy along with proper nutrition, nausea and

stress management therapies at the Block Center, Ms. Klenke's cancer went into

remission and has stayed that way.

 

So where is this anecdote heading? Glad you asked.

 

Cancer and its treatment are so complicated and relatively unpredictable that

this column is in no way meant to advocate Ms. Klenke's approach to dealing with

her disease.

 

As a Patient Money columnist, I don't pretend to have that expertise.

 

Instead, my purpose here is to provide financial guidance for those who, like

Ms. Klenke, choose to take the medical path less traveled.

 

Besides learning the ins and outs of complementary and alternative medicine, Ms.

Klenke has also become something of an expert on how to pay for these

treatments. With the help of the Block center and her own research and

persistence, she persuaded her insurance company to cover her entire course of

treatment and the follow-up treatments that she continues to pursue, as she puts

it, " to boost my immune system and keep me cancer-free. "

 

So-called complementary and alternative medicine — or CAM, as it is known by

practitioners and adherents — is becoming more mainstream every day. In 2007,

more than one in three adults and nearly one in eight children, according to a

federal study sponsored by the National Center for Complementary and Alternative

Medicine, a division of the National Institutes of Health, used some form of CAM

— from self-prescribed nutritional substitutes to repeat visits to alternative

health care practitioners. So commonplace are the alternative providers that

chiropractors and acupuncturists, for example, are now licensed by most states.

At the same time, many traditional medical doctors, recognizing patients' demand

for alternative therapies, have signed up for training in alternative therapies

or added alternative professionals to their staffs.

 

Alternative medicine is also a big business. Americans spent nearly $40 billion

out of pocket on alternative therapies, according to that same 2007 study, to

pay for practitioners as well as vitamins and supplements. Often, the treatments

aren't cheap. A session at the acupuncturist can easily run $100. And as with

pharmaceuticals, vitamins, herbal supplements and homeopathic remedies have a

huge price range — from a $12 bottle of vitamins to supplements costing hundreds

of dollars.

 

More insurance companies are now offering full or limited coverage, or arranging

discounts, on these treatments. But, as Ms. Klenke learned, getting even limited

coverage can be time-consuming and tricky.

 

And most people pursuing alternative therapies should expect to pay some, if not

all, costs out of pocket, says Mark Stengler, a naturopathic doctor in the La

Jolla area of San Diego who is licensed in California. He holds a doctorate from

the National College of Naturopathic Medicine, now called the National College

of Natural Medicine, in Portland, Ore. Naturopathic training is often similar to

the training conventional doctors receive and includes holistic training. Dr.

Stengler is the author of several books and the Bottom Line newsletter on

natural healing. If you venture forth, here's advice on how to make the most of

your insurance coverage and find the best prices for the highest-quality

alternative treatments and medicines.

 

INSURANCE INS AND OUTS Before you do anything, be sure to read your health

insurance policy thoroughly. It may spell out some of the alternative

practitioners and treatments it covers, for example, 50 percent of all

acupuncture and chiropractor visits.

 

More often, says Linda Bourdosis, a patient advocate at the Block Center,

coverage is more subtle. For instance, your insurer may pay for certain specific

treatments — massage therapy for muscle strains, for instance, or fish oil

supplements to reduce inflammation from arthritis — if they are prescribed by

your primary physician for a diagnosed ailment and coded correctly. Many require

preauthorization from the insurer.

 

Keep at it, Ms. Bourdosis says. Getting the insurer to pay " doesn't always

happen the first time, " she said. " It can take two, three or four claims. You've

got to be persistent. "

 

Don't be afraid to negotiate with your insurer and with your provider,

particularly when treating serious illnesses. Ask to speak to the claims manager

or your case manager. In Ms. Klenke's case, the Block Center was willing to

discount its rates 25 percent in return for being considered part of the network

that Ms. Klenke belonged to through her husband's group insurance plan. In her

case, Ms. Bourdosis at the Block Center negotiated with her insurer, but

sometimes the patient needs to be the middle man to get an insurer and health

care provider to agree.

 

Or, you might want to try to find an alternative practitioner who is part of a

larger group of traditional doctors, or vice versa, Dr. Stengler says. That way,

if you need lab tests or other diagnostics, your primary physician can prescribe

them and they will be covered — even if alternative treatments are not.

 

FIND AN ADVOCATE The insurance maze can be time-consuming and difficult,

especially in the face of illness, Ms. Klenke acknowledges. But there is help.

 

Most large hospitals and clinics, especially those with integrative medicine

programs, like Beth Israel in New York, have an advocate in the billing or

coding department that can help with prequalifications, appeals and other

paperwork.

 

If you have a major illness like cancer, your insurance company may have also

assigned you a separate case manager. Ensure the advocate and insurance manager

are talking to each other.

 

BUY ONLY WHAT YOU NEED If you swear by the chiropractor or acupuncturist but

your insurance doesn't cover the treatment, you'll need to make some spending

decisions.

 

One important caution from Dr. Stengler is this: Avoid paying upfront for a

package of visits, say, 10 to 15. " If you're not seeing improvement in two to

three visits, " he said, " then that therapy probably isn't right for you. "

 

Ask your practitioner if you can agree to only two or three visits, with the

idea that you'll continue the therapy if you see results.

 

CARE WITH SUPPLEMENTS A big part of alternative medicine is herbal and vitamin

supplements. These are not as closely regulated by the Food and Drug

Administration as prescription drugs and, as a result, there are many cases of

supplements being sold with high levels of toxic substances or even prescription

drug ingredients not listed on the labels. What's more, many fraudulent brands

sell high-priced supplements with minuscule dosages of the effective ingredient.

 

Your first step is to ask your doctor for recommended brands. (But see the

caveat further on.) You should also do your own research on Consumerlab.com, a

comprehensive independent site that does thorough testing of unregulated health

products of all kinds. Without federal regulations, buyer beware prevails.

 

SHOP BIG BOX OR ONLINE Once you've found a brand you know you can trust, compare

prices. Chances are your local health food store isn't going to have the best

prices. Both Costco and Sam's Club have started selling supplements aggressively

in recent years, and many times they have the best deals.

 

In addition, try Web sites like Vitacost.com, says Dr. Stengler, which can offer

products for 40 to 50 percent less than bricks-and-mortar retailers.

 

Think twice before buying directly from your practitioner, says Dr. Riley. Many

doctors, he said, " make huge margins by selling supplements right in the

office. "

 

Best Wishes,

Scarlet

http://www.momswearyourtees.com

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