Does Health Insurance Cover Acupuncture? What You Need to Know

The most frequently asked question we get at our clinic is, “Do you take my health insurance?” Many patients want to experience the benefits of acupuncture but aren’t sure how insurance coverage works. Nowadays, health insurance companies have recognized the efficacy of Traditional Chinese Medicine and many plans offer some benefits. While our clinic is an Out-of-Network provider for most plans, we strive to make care both accessible and affordable. Understanding some key terminology can help you make the most of your insurance benefits while receiving high-quality, holistic treatment tailored to your needs. Our clinic is here to help navigate through your health insurance policy!

How Health Insurance Works for Acupuncture 

Health insurance assists patients in their payments for health care services. At the end of the day, the insurance is a contract with you (the patient). Figuring out your policy can feel complicated, but when broken down, it becomes easier to understand. Most plans will have specific requirements such as meeting a deductible before coverage begins, paying a set co-payment at each visit, or covering a percentage of the cost through co-insurance. Because our provider is Out of Network for most plans, reimbursement may look different depending on your policy.

Understanding Deductibles, Co-Insurance, and Co-Payments 

•  Deductibles: This is the amount you must pay out-of-pocket each year before your insurance begins covering your care. It resets at the beginning of each year. Do you know the amount of your out-of-network deductible?
•  Co-Insurance: After meeting your deductible, some plans cover only a percentage of the treatment. The remaining portion is your responsibility. Do you know what percentage your health insurance will cover?
•  Co-Payments: Some plans require a fixed fee at each visit. These amounts vary depending on your coverage. Do you know your co-payment amount?

Knowing these details helps you plan for your care and avoid surprises. We are always happy to help guide you through the process and provide the paperwork you need to submit to your insurance company. Before your initial treatment begins, we strive to break down expectations of cost according to the acupuncture benefits of your health insurance policy.

Affordable and Fair Pricing for Every Patient 

Our clinic believes that quality care should be accessible to everyone. That’s why we care about utilizing health insurance where permissible and work toward providing treatments at a fair and reasonable price — even when insurance does not cover the full cost. We also offer discounts for patients experiencing financial hardship as well as for persons with disabilities, active duty military & veterans, teachers, and seniors!

Every insurance plan is different, and coverage for acupuncture can vary widely. Did you know not using your health insurance plan may even be beneficial for you? The best way to know what your plan includes is to reach out and ask. We encourage you to contact our clinic so we can help you check your benefits and guide you in making the most of your insurance while receiving the care you deserve. If you'd like to inquire after your personal coverage with Dr. Cong, click the button below and fill out the form: