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More health plans are adopting acupuncture therapy in their coverage as more consumers are turning to alternative medicine to improve their health. Ask your insurance representative about coverage. If you have a deductible, most companies will accept the treatment costs toward the deductible.
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The good news is that yes, many insurance companies now offer policies that cover acupuncture and related services performed by an acupuncturist.
Does my insurance cover acupuncture?
You can find out if your insurance 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 the acupuncturist?
- What is my deductible?
- What conditions are covered for acupuncture? (Many plans only cover the treatment of pain)
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Is acupuncture covered by health insurance?