Frequently Asked Questions About Insurance For Acupuncture Treatment
1. Do you take insurance?
Yes, we do. Depending on your plan and whether or not we are “in-network” with your insurance provider, we will bill your insurance company directly.
2. How do I know if Acupuncture is covered by my insurance?
The first thing to do is to call or e-mail our office and provide all your insurance information (full name, ID and DOB) so that we can verify your benefits.
3. Are you contracted with any insurance providers?
We have been contracted with three insurance companies – Empire Blue Cross and Blue Shield, Oxford Health Plan and Healthnet (VA Choice). In other words, we are “in-network” with these insurance companies, and you will only be responsible for the co-pay amount designated in your plan. We also accept United Healthcare, The Empire Plan, Cigna Healthcare, Aetna and The Health Republic of New York pending on your coverage. For no fault cases, we have worked with all insurances companies, such as The Hartford, and GEICO and your treatment will be free of charge.
4. How much of my treatments will be covered by insurance?
Between 60-80% for acupuncture, herbs and supplements are typically not covered by insurance. If you have health saving account, then it will cover all of your treatment, and any herbs you may choose to take.
5. What is a Health Savings Account (HSA)?
A HSA is a tax-deductible health savings account which is set up by your employer. Usually you decide at the beginning of the year how much you think you are going to need for the year –
this can include acupuncture, herbs, nutritional supplements, massage, whatever you choose – and then the amount comes off your pay check. The benefit of this system is that the amount
you choose to deduct from your pay reduces your taxable income.
6. How do I use my HSA?
You will be given a special HSA credit card that works the same as any other credit card – give it to your health care provider at the time of treatment. You may also receive a checkbook that is linked to your HSA account.
7. Why am I being charged on my first visit to your clinic?
When you call your insurance company they will say acupuncture is covered, but when we call to verify the coverage they may tell us differently. For that reason, we ask that you pay the first treatment at the cash price. After we verify your coverage, we will then reimburse you or credit your account. For no fault case, you will not be charged for the first time if you present the complete information about your case.