Insurance and Acupuncture
Determine Your Health Insurance Benefit
Medicare does not cover acupuncture. But the good news is many large private insurers do cover it.
Some plans will also cover acupuncture for certain indications, such as various forms of pain, nausea, and migraine headaches. There is scientific evidence that acupuncture may help with these conditions. Again, many plans specify that a licensed doctor must perform the acupuncture treatment.
The bottom line is you need to contact your insurer to learn if your plan covers acupuncture and what the restrictions are. Be sure to ask about copays, deductibles, and whether you need to use a network provider. Also, make sure you know about any limits on the maximum number of treatments you can have.
You will need to self-file with your insurance
Affinity plans may be an option
You can use an HSA (health savings account)
- Medical necessity: what condition you are treating
- Frequency: how many sessions per month
- Duration: how many months
Once you have your prescription and pre-authorization, let us know what it says and then file it away with your records in case you are ever asked to back up your expense. We would suggest that you use a payment method such as an HSA or FSA account debit card or a personal credit card so that you have a specific and documented receipt for the exact payment amount for your treatment.
Please note that gratuity is not considered part of the cost and so does not qualify as a qualifying expense.
Advanced Healthcare Solutions is committed to making you feel secure and confident in your health and treatment options.
HSA and FSA payment options make our treatments more accessible, which means we can assist more people in becoming healthier and introduce new clients to the benefits of acupuncture and other holistic therapies.
Talk with your employee benefits manager or tax advisor to see whether an FSA or HSA is right for you. If so, check with your HSA account administrator to find out what documentation you need for reimbursement.