Insurance for Acupuncture
Do you accept insurance for acupuncture treatments? What type of insurance?
Yes! I am out-of-network with Empire Blue Cross/Blue Shield, Aetna, Cigna, United Healthcare and Oxford. Once your coverage is confirmed, my billing department will bill your insurance company directly, so you don’t have to worry about claim forms or getting reimbursed.
Are you in-network or out-of-network for acupuncture?
I am currently out-of-network with all providers. There aren’t any in-network providers for Aetna, Cigna, United Healthcare and Oxford, so this won’t affect your coverage.
Will insurance cover my acupuncture sessions?
The only way to know for sure if your insurance covers acupuncture is to check. Email email@example.com, or complete the form on the Contact Us page. You can also call the clinic at (732) 859 6957 to submit your insurance information. We’ll let you know if your insurance covers acupuncture typically within 1 or 2 business days. When we check your insurance coverage, we will also find out if you have a yearly limit on visits, co-insurance, and a co-pay. We’ll also find out if you have a deductible and what its status is.
What information do you need to check my insurance coverage?
We need your full name, your date of birth, the name of the primary insured and his/her date of birth, insurance plan name, your member ID, and your group number. Please be sure to also include the phone number for “providers” located on the back of your ID card so we know who to contact regarding your benefits. You can submit that information in the form on the Contact page.
What is co-insurance? What’s a co-pay? What’s a deductible?
Not all insurance plans have co-insurance, co-pays or deductibles. Each plan is unique, which is one of the reasons why we have to check each and every plan, even if you already know your insurance covers acupuncture.
Co-insurance is the portion of an acupuncture bill that your insurance provider asks you to pay to the provider directly. If you do have co-insurance, it’s usually around 10-20% of the allowed charge for acupuncture. Your co-insurance is determined after your insurance company pays the provider, so it’s a fee you pay later, not at the time of your visit.
A co-pay is a set fee that you pay at each visit. Some insurance plans have a co-pay for the first visit only. Others have a co-pay at each visit.
Your annual deductible is an amount of money the insurance company requires you to pay out-of-pocket before your insurance starts covering healthcare costs, like acupuncture treatment. Some plans have small deductibles and others large. It’s totally dependent on the insurance plan’s policy.