DOES INSURANCE COVER ACUPUNCTURE
- State and federal insurance plans almost always have acupuncture riders included, and acupuncture is typically covered at 70% to 80%. For this situation, I will provide a receipt that can be submitted for reimbursement from the insurance company.
- Many large companies have the option to purchase an acupuncture rider. Contact your company’s human resource department or contact the insurance company directly.
- A few insurance providers do cover acupuncture. For this situation, I will provide a receipt that can be submitted for reimbursement from the insurance company.
- Some insurance providers now have a network of acupuncturists, and generally do not offer out-of-network benefits. I do not participate with any of these plans.
- Most insurance companies in New Jersey do not cover acupuncture.
- Personal Injury Protection (PIP) automobile accident coverage does cover acupuncture. I do not work with auto accident cases.
- Workers’ Compensation sometimes covers acupuncture. I do not work with these cases.
- Neither Medicare nor Medicaid covers acupuncture.
- AARP insurance does not cover acupuncture.
- Acupuncture is acceptable for most health savings accounts (HSA), flexible spending accounts (FSA), and is a tax deductible medical expense.
In my own practice, I do not participate with insurance companies for two reasons. One, it is an enormous amount of work. I wish to spend my time treating people, not continually submitting claims and documentation to insurance companies. Two, in many cases, particularly PIP and Workers’ Comp cases, insurance companies dictate the course and method of treatment. The determination has nothing at all to do with patient health or the appropriate administration of acupuncture.
If a person has a plan that covers acupuncture, they will be given a receipt which they can easily submit for reimbursement directly from the insurance company.
In my practice, no person will be denied treatment due to lack of financial resources. Please contact the office.
Other Considerations Regarding Insurance
• Most companies in New Jersey have parity laws – that is, they do not discriminate between certified acupuncturists and medical doctors who also practice acupuncture (either they cover acupuncture or they don’t).
- Many insurance companies advertise acupuncture, but do not really cover it. They outsource a network of discount providers who offer discounts to patients in exchange for referrals from the insurance company. These are generally new practitioners looking to build a practice.
- Be sure to confirm the details of insurance arrangements prior to starting any treatment. Patients often wind up responsible for large balances when they find out their treatments are not really covered.