A Word About Insurance
PATIENT INFORMATION
A Word About Insurance
Insurance doesn’t have to be difficult. Learn more about how to present your holistic therapy and treatment plan to your insurance for coverage.
Wondering If Acupuncture Is Right For You?
In the United States, acupuncture is a form of complementary or alternative medicine. As such, it still lacks widespread coverage by insurance companies. But as more and more people get relief with acupuncture, demand for the treatment rises. If you’re interested in trying acupuncture, you have several options for paying for it.
Determine Your Insurance Benefit
Your insurance coverage is a practical matter. And it may or may not cover acupuncture. Whether is does cover it or not, we provide you with the necessary documents and receipts to help you self-submit claims to your insurance company for coverage. We do not process your insurance claims for you., however coordinating your care ahead of time with your insurance company could help you receive the most insurance benefits and pay the least out-of-pocket for your care.
Some health insurance plans cover acupuncture
Medicare does not cover acupuncture. But the good news is many large private insurers, such as do cover it. Typically, there are restrictions: Many plans only cover acupuncture while other plans only cover treatments from a licensed acupuncturist. Rest assured, our staff at AHS are licensed and certified with the credentials and experience required by most insurance companies in order to cover your treatment. It is also smart to check prior to treatment so that you understand the number of visits and types of acupuncture covered by your insurer.
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 file the insurance claim yourself
Even if your insurance covers acupuncture, you will need to file the claim yourself. Because we do not process any insurance claims on behalf of our clients, we ask that you be prepared to pay for your treatments and file for reimbursement with your plan. We will work with you to make sure you have all the documents and receipts needed to accurately file for reimbursement with your insurer.
Affinity plans may be an option
If your insurance plan doesn’t cover acupuncture, they may still offer an affinity plan. An affinity plan is basically a discount. The provider agrees to offer their services at a discounted rate to members of the plan. Vision plans are an example of an affinity plan. Contact your insurance company to find out more about affinity plans and if your insurer provides one with access to acupuncture treatments.
You can use an HSA (health savings account)
An HSA—health savings account—is a tax-exempt account you can use to pay for medical expenses. You contribute to the account with your pre-tax income. Then, you pay for qualified medical expenses and submit your receipts. The account reimburses you. Acupuncture is a qualified medical expense, according to the IRS (Internal Revenue Service).
Talk with your employee benefits manager or tax advisor to see whether an HSA is right for you. If so, check with your HSA account administrator to find out what documentation you need for reimbursement.