Is acupuncture covered by insurance?

A few 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)

What are Affinity Programs for acupuncture?

You may have what's called an "affinity program". This is an arrangement that the insurance company has with certain acupuncturists to offer their members treatments at a discounted price (usually 20% to 40% discount off regular price).

Does Medicaid and Medicare cover acupuncture?

At this time, Medicaid and Medicare do not provide coverage for acupuncture.

Is acupuncture a treatment option after a car accident?

If you have suffered a personal injury in a motor vehicle accident, your or the other parties car insurance may pay for acupuncture treatments.

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