3. How can I find out if there are any laws in my state about insurance coverage of a CAM modality (treatment) that I am interested in?

There is no one central resource that collects this information for all the states. Some resources that may be helpful include:

• If you are seeking CAM treatment from a practitioner, there is likely to be one or more national professional associations for practitioners of that treatment--for example, associations for chiropractors. Many of these organizations monitor insurance coverage and reimbursement for their specialty. You can locate organizations by trying an Internet search or asking a reference librarian for assistance.

• Each of the 50 states, as well as the District of Columbia and the four U.S. territories, has an agency that regulates the insurance industry in that state, enforces insurance laws, and assists consumers. This agency is often called the office of the state insurance commissioner (see "Resources"). The services that this office provides vary by state, but each handles consumer inquiries. Your commissioner's office may be able to inform you of any requirements in your state for insurance coverage of a specific CAM modality.

4. I have health insurance. If I am interested in obtaining treatment from a CAM practitioner, what financial questions should I ask?

First, you need to be informed about your health insurance plan. Does it offer any coverage of CAM treatments? If so, what are the requirements and limits--for example, does the plan limit the conditions it will cover, require that CAM services be delivered by specific practitioners (such as a licensed medical doctor or a practitioner in the company's network), or cover only services that the plan determines to be medically necessary? Read your plan carefully, including the limits and exclusions. You may also want to check with the insurance company before you seek treatment.

Here are some questions to ask your insurer:

• Does this care need to be preauthorized or preapproved?

• Do I need a referral from my primary care provider?²

• What services, tests, or other costs will be covered?

• How many visits are covered and over what period of time?

• Is there a copayment?

• Will the therapy be covered for any condition or only for certain conditions?

• Will any additional costs (for example, laboratory tests, dietary supplements, equipment, or supplies) be covered?

• Will I need to see a practitioner in your network? If so, can you provide me with a list of practitioners in my area?

• If I use a practitioner who is not part of your network, do you provide any coverage? Are there any additional out-of-pocket costs?

• Are there any dollar or calendar limits to my coverage?

It will help you if you keep organized records about all interactions with your insurance company. Keep copies of letters, bills, and claims. Make notes about calls, including the date, time, customer service representative's name, and what you were told. If you are not satisfied with a representative's explanations, ask to speak to someone else.

²If the insurance company requires you to have a referral, be sure to obtain it and take it with you to the practitioner. It is also a good idea to keep a copy for your records.