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Are you paying for acupuncture or chiropractic care and not using it? Do you really need the extras or can you substitute them for other forms of alternative medicine that you may use in the future? Check your insurer's website or call the help line to see if your plan covers alternative medicine treatments. Many also offer discounts on preventive measures like vitamins, bike helmets, and gym memberships. Others offer “healthy discounts” if you quit smoking, go for annual physicals, etc.