Is Acupuncture Covered by Insurance? How to Use Your Insurance for Acupuncture
June 9, 2023
Some insurance plans may cover acupuncture, but it depends on the specific plan and insurance company. In recent years, acupuncture has gained more recognition as a complementary therapy, and many insurance providers have started to cover it. Some plans may offer coverage for acupuncture as part of their wellness benefits, while others may require a referral from a primary care physician.
It's important to check with your specific plan to determine if acupuncture is covered by insurance and what the terms of the coverage are. You can also check with the acupuncturist's office to see if they accept your insurance plan and what the out-of-pocket costs may be. Keep in mind that even if your insurance plan covers acupuncture, there may be limits on the number of visits or other restrictions that apply.
Is out-of-network acupuncture covered by insurance?
Whether or not out-of-network acupuncture is covered by insurance depends on the specific insurance plan you have. Some insurance plans may provide some level of coverage for out-of-network acupuncture, but the benefits may be less than if you were seeing an in-network provider. Other plans may not cover out-of-network acupuncture at all, in which case you would be responsible for the full cost of the services.
Keep in mind that if you do see an out-of-network provider, you may be responsible for paying a higher copayment or deductible, and you may need to meet a higher out-of-pocket maximum before your insurance coverage kicks in. If you decide to see an out-of-network acupuncturist, SuperBill for insurance can help! We file out-of-network claims on your behalf, and we follow up with your insurer to make sure you get the best reimbursement possible.
Does health insurance cover acupuncture differently depending on your insurance?
Yes, health insurance coverage for acupuncture can vary depending on the specific insurance plan you have. The details of acupuncture coverage, including the number of visits covered, any copays or deductibles that apply, and the types of services that are covered, can all vary depending on your insurance plan. Some plans may require pre-authorization or a referral from your primary care physician before you can receive acupuncture.
Some insurance plans may offer more generous coverage for acupuncture, while others may offer more limited coverage or no coverage at all. Read our in-depth explainer on How to Choose a Health Insurance Plan for more information.
How to find acupuncture covered by insurance
If you are looking for acupuncture covered by your insurance, there are several ways to find it:
- Check your insurance provider's website: Most insurance providers have a website where you can search for in-network acupuncture providers in your area. You can typically search by location, specialty, and other criteria to find an acupuncturist who is covered by your insurance plan.
- Call your insurance provider: If you prefer to speak to a representative, you can call your insurance provider's customer service number and ask for a list of in-network acupuncture providers in your area. The representative can provide you with information on the acupuncturists in your area who are covered by your insurance plan.
- Ask for recommendations: You can ask your primary care physician or other healthcare providers for recommendations for acupuncture providers who are covered by your insurance. You can also ask friends or family members who have received acupuncture for their recommendations.
- Contact acupuncture providers directly: You can contact acupuncture providers in your area and ask if they accept your insurance plan. They can also provide information on the out-of-pocket costs you may be responsible for, and any other information you may need to know about receiving acupuncture with your insurance plan.
By using these methods, you can find acupuncture providers who are covered by your insurance plan and who can provide the care you need.
Other options if you can’t afford acupuncture
If you are unable to afford acupuncture, there are several options you can consider:
- Look for free or low-cost clinics: There may be free or low-cost acupuncture clinics in your area that offer acupuncture services. You can search online or contact your local health department or community health center for more information.
- Consider alternative treatments: If you are unable to afford acupuncture, you may want to consider alternative treatments, such as acupressure, meditation, or other relaxation techniques, which can help to alleviate stress and pain.
- Look for acupuncture schools: Acupuncture schools may offer low-cost or free acupuncture services as part of their training programs. Contact the schools in your area to see if they offer such programs.
- Talk to your acupuncture provider: If you already have an acupuncture provider, talk to them about your financial situation. They may be able to work with you to create a payment plan or provide services at a reduced cost.
- Consider community acupuncture: Community acupuncture clinics often offer lower prices by treating several patients in a single room. This can be a more affordable option for some people.
Remember that it's important to prioritize your health and seek care when you need it. Don't hesitate to reach out to healthcare providers or organizations for help and support.
How SuperBill helps with acupuncture insurance
If you do have OON benefits, or you’re unsure if your insurance covers acupuncture, SuperBill may be able to help! SuperBill verifies your benefits, then files and tracks your out-of-network claims. We will update you on the status of your claim at every interval, and do everything we can to get it reimbursed. We even help with medical bill negotiation!
You can jump through all the hoops to make sure you get your acupuncture covered by insurance, OR you can let SuperBill for insurance handle it all for you. We have worked with countless patients to get them the reimbursement they deserve.