Acupuncture, not pain pills that "make me loopy," is what Cynde Durnford-Branecki wants for her aching back, and a treatment costs her only a $20 copayment.

"If I didn't have insurance, there's no way I could afford to go," said the 51-year-old graphic designer who lives in San Diego.

After years of being lobbied for more choice, insurers and employers increasingly are covering alternative therapies. There are even alternative "HMOs" - networks of nontraditional providers that sell services to big employers and individuals.

It is one of the last frontiers for moving alternative medicine into the mainstream, fans say. Some are pushing to require or expand coverage as part of health care reform.

Choice may sound like a good idea, but it can lead more people to use remedies they may not realize are of unproven value. It also can mean the people who use those treatments will wind up paying for them, rather than have their insurer pay for proven remedies. Here's how: