Health Insurance Coverage

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Does Your Health Insurance Policy Cover Acupuncture?

So many people ask me if acupuncture is covered by insurance; the short answer is: it depends on your policy.

I will help you get as much money as possible from your insurance company.

It depends on the insurance policy you have purchased - or the policy purchased for you by your employer. Many insurance companies are now covering acupuncture but you need to check with your carrier and get the details about your policy.If you are someone taking charge of your healthcare, the last thing you need is a surprise bill in the mail because you were not sure what to expect from your insurance provider.
First, as a consumer of health insurance, you have a right to know what is covered on your policy. Your insurance card usually has a contact phone number on the back, call them directly and ask them the following questions:

1. Does my policy cover acupuncture treatments?

2. How many treatments are covered per year? In some cases there is no limit to the number of treatments, in other cases the provider may limit treatment to 10 or 20 total treatments in a plan year.

3. Does my policy cover 100% or some portion of the treatment? Somtimes, a policy will only cover 80% of the cost of the treatment, regardless of the cost.

4. Is there a deductible? A deductible is the portion not covered by the insurance coverage. For example, one person was told he had a $300 deductible. This means he has to submit $300 in medical costs before the insurance company will pay for treatment. Note that this is medical costs, not just acupuncture!

5. Does my policy cover the condition for which I am seeking treatment. Some policies will only cover treatment for pain conditions while others do not descriminate. Most policies do not cover weight management and smoking cessation, however, many people seeking these treatments also require treatment for conditions covered by acupuncture.

When you have the answers to these questions, ask the operator just a few more:

  • Ask their name
  • a reference number for the call
  • their badge number
  • time and date of the call

    • Now you have written documentation that you are covered (or not).

    Once you have these questions answered, you’ll be in a much better position to understand what your insurance coverage can do for you.