My health insurance covers physical therapy and other therapies provided under a physician's license. For example, physical therapists are covered by a physiatrist and they also have their own licensing board, practice laws. Accupuncture, when done by a licensed physician is covered; where Mr. Chan on the corner is not. Go figure.
I think my insurance covers a portion of smoking cessation program if the doc is willing to write a script, saying that it's medically necessary. Things like mammograms and gyne exams and yearly physical are covered. But if my doc decides to go hog wild and order a mammogram twice a year...There's only so often insurance companies will pay for something. THEY HAVE THEIR RULES, TOO.
I tried to get the cost of a personal trainer covered because I'v got a bad health history and it would be less expensive to pay him than to pay for time in the hospital. NO GO. But, I was able to deduct his services from my taxable income as long as I had my doctor's script. This was good news from my accountant.