Acupuncture Fees & Insurance
Currently taking Anthem BCBS only. If you have another insurance plan that covers Acupuncture, I can provide you with a detailed receipt called a superbill that you would submit on your own. Please call your insurance health plan to verify your benefits before calling for an appointment. If your health plan covers a set number of treatments, such as 12 per year, you will be responsible for the full fee for any treatments after the 12th treatment. The insurance company sets the fee amount for their members, so if you have not met your deductible, you will pay the set rate, not the cash rate for non-insurance services. Please scroll down for more infomration regarding using insurance for acupuncture.
Fees are expected at the time of appointment, including co-pays, co-insurance.
We offer packages or fee per service billing. Acupuncture works best when you receive a series of treatments, and the number of treatments is individualized, with an average of 6 treatments to begin noticing an improvment, but could be up to 20 treatments if you have a condition that is chronic and you have had it for more than a year, therefore it's impossible to provide the cost of acupuncture until you receive a full evaluation. How long it takes to notice change and how much change depends on you. Its typical to see results quicker when you can commit to twice a week treatments for 3 weeks, then weekly for 4 weeks, or more. Other factors that determine recovery are lifestyle choices, such as diet, exrcise, work, etc. You will be encouraged to make some changes if necessary for your healing.
If you are commited to resolving your health concern, can come in for the recommended treatment schedule, and don't have an Anthem plan that covers acupuncture, you will save money by purchasing a package. You can also pay each time you come in for treatment.
My purpose isn't to waste your time or money. I am commited to helping you feel better and ask that you partner with me to achieve your goals but, if you are not happy with your results after following my recommended treatment plan, you can ask for a refund of any unused pre-paid acupuncture visits.
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.