Month: April 2025

Does health insurance cover alternative therapies?

Posted on by AgentInsure

Alternative, sometimes referred to as complementary medicine and therapies, fall outside the Western, science-based medicine model. Health insurance plans typically cover conventional medicine but may cover complementary or alternative medicine (CAM) in certain instances. This article will assist those looking for coverage of CAM under an existing policy or those shopping for a new policy. If you live in or near Astoria, OR, consider contacting Linda Dugan Insurance. We will answer your health insurance questions and work to find the best policy for you.

What is Complementary and Alternative Medicine (CAM)?

The Cleveland Clinic, a nationally prominent traditional medicine provider, categorizes the many CAM approaches as follows:

  • Mind-body techniques: yoga, meditation, hypnotherapy, biofeedback
  • Manipulation and body-based practices: chiropractic, osteopathic manipulation, massage
  • Energy force therapies: Tai Chi, acupuncture, Qi gong
  • Other approaches include art therapy, herbal remedies, and aromatherapy

Determining Your Coverage for Complementary and Alternative Medicine

Insurance companies vary widely in their CAM coverage. You are most likely to have CAM covered if you first consult your traditional medical provider and receive a referral or approval for CAM. Some traditional providers have working relationships with certain CAM providers.

Also, you should check with your insurance carrier to confirm whether CAM services are covered and the extent of the coverage. For example, acupuncture, chiropractic, and massage therapy are covered under some circumstances, though paying a higher share of the cost than for traditional therapies is common.

If you have a preferred CAM therapy, consider choosing your next health insurance plan based on its coverage of CAM.

Obtaining Health Insurance through Linda Dugan Insurance

If you live in or near Astoria, OR, and need health insurance for you or your family, call the Linda Dugan Insurance team at (503) 440-3909. We’ll discuss and structure a plan to suit your needs.

Legal Costs Covered Under an Umbrella Insurance Policy

Posted on by AgentInsure

An essential benefit of an umbrella insurance policy is that it provides additional compensation for legal costs. This extra coverage can protect you from financial disaster if you or your business are sued for a substantial sum of money. However, it’s important for policyholders in Astoria, OR, to understand that even umbrella coverage has its limits. Knowing which legal costs are and aren’t covered under an umbrella insurance policy can help you make informed legal and financial decisions.

Legal Expenses: What’s Covered and What’s Not?

The amount of compensation you receive will vary depending on your chosen policy and the deductible you set when you take out the policy. Generally, an umbrella insurance policy covers the cost of hiring a lawyer and paying a settlement and/or judgment up to the policy limit.

Umbrella insurance will also pay for property damage, medical bills, and funeral costs related to the incident that led to the lawsuit. However, it only covers these costs for third parties, not you or your family members. It won’t cover incidents related to intentional or criminal acts or lawsuits related to a breach of contract.

Need an Umbrella Policy? Linda Dugan Insurance Can Help

Linda Dugan Insurance serves homeowners and business owners in the Astoria, OR area. Our team has many years of experience helping individuals and companies get the best coverage at the best price, and we look forward to working with you to help you pick the best umbrella insurance policy for your personal situation. Contact us to find out more or get quotes on specific policies.