The services available through these programs
feature many alternatives. These choices allow the consumer and the payer the
opportunity to customize their health care plan with complementary and
alternative medicine (CAM) benefits. Below
are the choices available to you and to your members.
The Discount Program is not an insured benefit,
but a discount program that allows you to receive complementary and
alternative medical services and products at reduced prices.
The Discount Program gives cardholders a discount of up to 25% by
accessing the network of providers. We have negotiated
these discounts for you in order that you may save money when utilizing these
services. There are no claim
forms and no restrictions on the utilization of these services.
This can be offered for just pennies per member per month (pmpm).
The addition of this rider to the health plan
will allow members to receive the same services as with the Discount Program
but as a covered benefit. The CAM
Rider offers coverage for
acupuncture, chiropractic, naturopathic medicine, massage therapy and a
natural drug formulary, along with the discounts offered form our retail
stores and services. This
can be provided by an access fee (pmpm) or as a percentage of utilization.
We encourage employers and health plans to
integrate complementary and alternative medicine into their traditional
medical benefits. Alternative
Healthcare Options is capable of managing this integration through education
and establish utilization treatment protocols of CAM services.
This also can be provided with an access fee (pmpm) or on a capitated
(pmpm) risk sharing basis where permitted by state law.