Is acupuncture covered by insurance?
Valley Acupuncture is in network with Aetna, and Cigna. We are not in network with United. BCBS and Humana are not accepting Acupuncturists in network at this time, however, if you have any insurance AND have acupuncture benefits, we will get your claims covered!
Does my insurance cover acupuncture?
You can find out if your insurance policy provides acupuncture benefits by calling your insurance company’s patient information or benefits line. This number can be found on your insurance card. If your insurance provider does cover acupuncture, here are a few questions that you can ask to determine your eligibility and coverage:
- How many treatments do I get?
- How much does the insurance company pay?
- What is the normal co-pay for acupuncture from a preferred provider? (This is the amount you would pay out-of-pocket for each visit to a practitioner on their provider list.)
- What percentage will I pay for out-of-network practitioners? (This is the amount you would pay out-of-pocket for each visit to a practitioner who is NOT on their provider list.)
- Who must provide the acupuncture?
- Will I need a referral from an MD to see an acupuncturist?
- What is my deductible?
- What conditions are covered for acupuncture? (Many plans only cover the treatment of pain)
At this time, Medicaid and Medicare do not provide coverage for acupuncture.
If you have suffered a personal injury in an auto or motor vehicle accident, your or the other parties car insurance will pay for acupuncture treatments.
How do I bill the insurance companies for acupuncture?
While common practice is for practitioners to be paid in full by the patient while providing them with the information they need to file a claim for reimbursement, Valley Acupuncture will be glad to handle the claim for you.
Affinity Programs
If you don’t have acupuncture benefits, you may have what is called an “affinity program.” This is an arrangement that the insurance company has with certain acupuncturists to offer their members treatments at a discounted price, usually 10% to 30% discount off regular price. The insurance company can supply you with a list of acupuncturists in your area with this program.
Here are the programs Valley Acupuncture currently participates in offering a 30% discount:
- Aetna
- Aetna EAP
- American Fitness Corp
- Blue Cross Blue Shield
- Blue Extras – BCBS IL
- CareFirst BCBS
- Cigna
- Great-West Healthcare
- Health Allies/United Health Allies
- Healthy Lifestyles Programs
- Healthways Move to Health
- Highmark BCBS
- Humana
- Medical Resource, LLC
- My Health and Money
- New Benefits
- Premera Blue Cross
- Principal
- Reserve National
- Touchstone
- UnitedHealthcare
- United Naturally
- Wellcare
- Wellphoria
- Yazaki
If you participate in one of the above listed programs please let me know when you schedule your first appointment. Bring your insurance identification card with you at time of service. Payment for services will be required at end of your visit at which time a discount will be subtracted from the cost. (herbal formulas are not part of the discount program)
