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Fees and Insurance

   Forms of Accepted Payments

-Major Credit Cards
(Visa, MasterCard, American Express, Discover)
-Flex Spending Accounts (FSA)
-Personal Check
-Cash

Insurance Coverage

Accepting the following Health Insurance Plans

-Anthem BC/BS

Important!  Please contact your health insurance company prior to scheduling an appointment. The following are suggestions to check with your insurance plan:

1. Call the member services number on the back of your Health Insurance card and ask if Acupuncture Services are covered.

 

  •  Ask if there are any diagnostic code restrictions. Some insurance companies say they cover acupuncture but only for specific conditions. 

2. If covered, is it: in-network?  out-of-network?  is there a co-pay?  a deductible?  is there a limit to the number of visits? Write down this information and bring to your first appointment along with your medical card. 


As a courtesy, I am able to provide a form called “super bill”. This form will list the required medical coding needed by insurance for reimbursement. This would be the clients responsibility to submit to their insurance company for any potential reimbursement. If you have any other questions regarding insurance, please contact customer service on the back of your insurance card.


Also, if your insurance does not cover acupuncture, you may be able to use a Health Savings Account (HSA) or Flex Spending account which will allow you to save money tax free and use it for medical expenses outside of your coverage such as acupuncture, eye care, etc. You should contact your insurance company and/or banking institution with questions about these plans.

What are Medical Flexible Spending Accounts?

One of the few ways you can cut out of pocket medical expenses is through medical flexible spending accounts (aka, flex spending account or FSA). A medical flex account is an employer-provided benefit that allows you to contribute a set amount from your paycheck in order to cover out-of-pocket medical, dental, and vision expenses such as health insurance co-pays, uninsured treatments, or even over-the-counter drug purchases.

The funds are usually deducted through regular, equal payroll deductions. The good news is that money deposited in a flex account is exempt from federal, state, and payroll taxes. Because taxes are not calculated on your contribution, your paycheck is not reduced by the full amount you set aside. Using this concept of “pre-tax” dollars can reduce your medical costs by as much as 30% depending on your tax bracket. Let’s say for example, you have a $100 per pay period deduction….your actual check may only be $75 smaller because a smaller amount of taxes were withheld.

 

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