Lifestyle

How To Make Alternative Therapies Affordable

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We are so lucky at the moment to live in a world where the use of alternate therapies is not only widely acceptable, but is also widely available. I live in a small country town and still have access to amazing Naturopaths, Bowen Therapy, Acupuncture and Kinesiology practitioners as well as more traditional forms of therapies such as Chiropractic and Physiotherapy. However, these treatments aren’t always cheap and aren’t covered by our government health system. But, there is a way you can make alternative therapies affordable.

Today I want to talk to you about health insurance. Hold on… before you go running for the hills… bear with me. I thought health insurance was a dull topic too, until I realised how I could make it work for me.

So, let me break it down for you and talk real numbers.

Here’s how much I was spending on alternative therapies if I only saw my alternative therapies practitioners once a month. I am including some more traditional practitioners in here to give you a complete view.

Naturopathy

I was seeing my naturopath at least once a month. I started with an initial appointment where I had multiple tests done, including bloodwork. I then was given a treatment plan and saw her again a month later. I have kept going each month, however have sometimes seen her more frequently when I have had specific health concerns.

Monthly Appointment – $75

Chiropractic

Oh how I love my Chiropractor. After breastfeeding I have had problems with my upper back and neck – all from looking down at my gorgeous little baby while he fed. Then when I launched my business and was spending more and more time on my laptop these issues just kept going. I see my chiropractor on average once a month. He is pretty amazing and adds in an incredible massage prior to my treatment. Totally worth it just for the massage alone.

Monthly Appointment – $70

There are so many benefits to using alternative therapies but there can be hesitation due to the price. Here's how to make alternative therapies affordable and take control of your health.

Remedial Massage

Because of the issues I have with my back, I try to ensure I have regular massages to keep my muscles relaxed, which in turn reduces the number of times I have to see my chiropractor. And it feels amazing too. I tend to make this a bit of ‘me’ time as well, taking some time out of my business, work and life as a mum to just relax and be pampered.

Monthly Appointment – $60/hr

Physiotherapy

My day job is very physical. I am a Paramedic by day and lift heavy equipment, and heavy people on a daily basis. Not to mention coming home and having a toddler want to be carried around all the time. You know those phases the go through when they just want to be held. All. The. Time? The strength and health of my back is important to my job and to my lifestyle. Which means I need to invest in keeping it healthy. My physiotherapist helps me with exercises to keep my back healthy and helps identify risk areas. While I don’t see her monthly, I usually see her around 3 times a year and usually have 4 sessions at any time so it averages out to once a month over a year.

‘Monthly’ Appointment – $100

So, on average, I had been spending around $305 per month on my health. Which I believe is a brilliant investment, however I realised I could be making this all so much cheaper.

I looked into health insurance and found that I didn’t need to have hospital cover and could simply take out extras. I don’t feel I need hospital cover at this stage, I live near an amazing public hospital and have limited health concerns. Living in Australia means we have access to incredible medical cover at no cost. However, extras cover was looking really appealing.

I found a policy that covered everything I needed and had very, very generous yearly limits (because I use alternative therapies a lot I wanted to ensure my policy was worthwhile). And you know what… it costs me just $60 per month. Even if I only had a 65% rebate on my policy, I would still be in a better financial position. And that’s a policy on the more expensive end of the spectrum.

More importantly, because I use these therapies and take an active role in my health, I am in a better position with my health and happiness too.

Have you considered health insurance to help with the cost of alternative therapies? Have you worked out how much money you’re actually spending on your health? Or do you think you’d invest more in your health if you didn’t have to outlay such a large amount of money at the point of your appointment?

Be sure to head over to Compare the Market to see what kind of benefits you could have and how much you could save. Remember, you can find the health insurance that most suits your needs, just like I did.

This post was kindly sponsored by Compare the Market. All opinions and experiences are 100% my own – I’m really not good at writing fiction. 

7 Comments

  1. Thank you so much for this post! I already have extras cover but the cap on it means that it’s really not worth having. I’ll definitely have a look at Compare the Market as there must be a package that is better suited to me – as someone who is focused on pro-active wellness now rather than treating sickness later!

  2. Great article! I agree with you – it’s an affordable investment for the sake of health. I cannot go without my remedial massage and it has done wonders for me.

  3. I’ve had PHI on and off and always found it cheaper not to have it. I’ll have to revisit it and see what the net cost is with having alternative treatments. Thanks for the push!

  4. I am so behind when it comes to anything medical! I have never been to any of these but this sure is a wealth of information! When I think of Heath Insurance I think of BILLS but than when you break it down it makes more sense and easy to understand!

    ALSO I learnt something new today THAT we can actually pick the EXTRAS without the hospital cover!!

    Thank you so much!!!

  5. What a useful post! So often we neglect to take the time to investigate such important things as our health insurance or super. Whilst I now live in Europe I’m inspired to review our cover option now. I also didn’t realise you could just opt -in to get ‘the extra’s’ rather than having to get everything (which always seemed over the top for me as I’m healthy with no health issues.

  6. This is a really great article! My sister has a lot of alternative therapies going on, and health insurance isn’t something we’d ever thought about for them! Will definitely be investigating our options now.

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