Insurance


Acupuncture Insurance Coverage and Reimbursement


“My practice accepts insurance for acupuncture patients. In order to best serve you I can verify your insurance benefits before you arrive. Please complete and submit the online form below. I will contact you as soon as the benefits are established.”

(*** Before filling out the form, please check the list below the form. These companies DO NOT offer coverage for acupuncture.)



1199 SEIU National Benefit Fund – Only the ‘Greater NY’ plans cover acupuncture by LAc / Massage Therapy Not Covered
AARP – No Acupuncture or Massage Therapy Coverage
AARP Medicare Complete by United Healthcare – Acupuncture only covered if you are In-Network with this specific plan. Being in-network with UHC does not mean you are in-network with this particular policy. Providers must contact UHC to get in this network.
Aetna “EPO” Plans – No Out-of-Network Coverage
Aetna “HMO” Plans – No Out-of-Network Coverage
Aetna “Indemnity” Plans – No Out-of-Network Coverage
Aetna “Medicare Advantage” Plans – No Out-of-Network Coverage
Aetna “Medicare Supplement Plans” – (F, G, etc.) No Acupuncture Coverage for any of the Medicare Supplement Plans
Affinity Health Plans – No Acupuncture Coverage
AgeWell – No Acupuncture or Massage Coverage; in- or out-of-network
Alliant – No Acupuncture Coverage
All Savers – No Acupuncture Coverage
American Retirement – No Acupuncture or Massage Coverage for their ‘Medicare Supplemental Plans’
Axis Insurance – No Acupuncture or Massage Coverage
Bankers Life & Casualty – No Acupuncture or Massage Coverage / Follows Medicare guidelines
BCBS/GHI Policies starting with the ‘NYC’ prefix – No Acupuncture or Massage Coverage
BCBS of IL plans starting with ‘TEA’ prefix – No Acupuncture Coverage
BCBS Orange School District plans starting with ‘OUH’ prefix – No Acupuncture Coverage
Burlington –  Acupuncture Covered when used In-lieu of Anesthesia Only
Capital Blue Cross – No Acupuncture Coverage
CareConnect NSLIJ – No Out-of-Network Benefits & No Massage Therapy
CDPHP – No Out-of-Network Acupuncture Coverage
Cerner – No Acupuncture Coverage
CHAMPVA – No Acupuncture Coverage
Cigna Aegis Plans – No Acupuncture or Massage Therapy Coverage
Cigna Eighth District IBEW Plans – No Acupuncture Coverage
Cigna Medicare Supplemental Plans – No Acupuncture Coverage
Colonial Penn Life Insurance – No Acupuncture Coverage
Colorado Contractor’s Trust (Anthem BCBS of CO) – No Acupuncture Coverage
Colorado HealthOp – No Out-of-Network Coverage
ConnectiCare– No Coverage for their ‘Medicare Plans’
Denver Health – No Acupuncture Coverage
Dignity Health – No Acupuncture Coverage
EmblemHealth –  ONLY Category #790 Federal Plans & Ultra Benefits Plans Cover Acupuncture Services –> HIP Plans have No Out-of-Network Acupuncture Coverage –> No Massage Therapy Coverage for any of their plans
Empire BCBS/GHI Policies – ‘NYC’ Prefix Only – No Acupuncture or Massage Therapy Coverage
Empire BCBS – ‘JLJ’ Prefix ‘ESSENTIAL’ Plans Only – No Acupuncture Coverage
Equitable – No Acupuncture Coverage (all plans follow Medicare guidelines)
Fidelis Care “Bronze” Plans – No Acupuncture / No Massage Therapy
Fidelis Care “Silver” Plans – No Acupuncture / No Massage Therapy
Fidelis Care “Gold” Plans – No Acupuncture / No Massage Therapy
Fidelis Care “Platinum” Plans – No Acupuncture / No Massage Therapy
Fidelis Care “Dual” Plans – Yes Acupuncture / Yes Massage Therapy
Fidelis Care “Essential” Plans – No Acupuncture / No Massage Therapy
Fidelis Care “Flex Benefit” Plans – Yes Acupuncture / No Massage Therapy
Fidelis Care “HBX” Plans – Yes Acupuncture / No Massage Therapy
Fidelis Care “Medicaid” Plans – No Acupuncture / Yes Massage Therapy
First United American Life Insurance Companies / No Acupuncture Coverage
First Choice Health / Acupuncture covered when rendered by MD Only
Florida Blue – NO Acupuncture or Massage Coverage for plans starting with the following prefixes: XJGH & XJWH –> Evaluations and additional modalities are NOT Covered by any of the Florida Blue plans –> Injections are covered for practitioners in states where allowed under scope of service.
Freedom Health – No Acupuncture Coverage (all plans follow Medicare guidelines)
Freelancers Union Anthem BCBS (FGN prefix) Covered In-lieu of Anesthesia during Surgical Procedures Only
Geisenger – Very few of their policies cover acupuncture
Geisenger Gold Plans – No Acupuncture Coverage
Gerber Life Insurance – No Acupuncture Coverage / Follows Medicare Guidelines
GHI (Emblem is parent company) – No Massage Therapy for any of their plans and ONLY Category #790 Federal Plans & Ultra Benefits Plans Cover Acupuncture Services –> HIP Plans have No Out-of-Network Acupuncture Coverage
Globe Life & Accident Insurance – No Acupuncture Coverage (follows Medicare Guidelines)
Golden Rule – No Acupuncture Coverage
Health America – No Acupuncture Coverage – Discount plan only –> Patient must contact customer service to find participating providers
Health at Cerner – No Acupuncture Coverage
HealthFirst – No Out-of-Network Coverage
HealthNet – No Out-of-Network Coverage
Health New England – No Out-of-Network Coverage
Health Partners – No Out-of-Network Coverage
Health Options Program / HOP – No Acupuncture Coverage
Health Plus AmeriGroup – No Acupuncture Coverage for any of their NY Plans
Health Republic – Company out of business as of November 2015
HighMark BCBS Federal Employee Program – No Out-of-Network Coverage
Horizon BCBS Omnium Silver Plans – No Out-of-Network Coverage
Horizon NJ Health – ‘YHZ’ Prefix (This is NOT Horizon BCBS of NJ) No Out-of-Network Coverage and this company does not accept acupuncturists into their network.
Humana – No Acupuncture Coverage
Husky Health CT – Acupuncture by In-Network MD Only / NO Coverage for acupuncturists
IE Shaffer & Co – No Acupuncture / Follows Medicare Guidelines
Independence BCBS – Very few of their plans cover Acupuncture and none cover Massage Coverage –> NO Acupuncture Coverage for plans with the following prefixes: LMS, LRN, QCG, QCH, UTB, UPB, YXF, YXP, YXQ, YXW
Independence Keystone East – – Very few of their plans cover Acupuncture and none cover Massage Coverage –> NO Acupuncture Coverage for plans with the following prefixes: QCH, YXW
Independence Personal Choice – Very few Independence plans cover Acupuncture and none cover Massage Coverage –> NO Acupuncture Coverage for plans with the following prefixes: TMB, UPB, YXF & YXP
Independent Health – No Coverage for their ‘Medicare Plans’
Johns Hopkins US Family Health Plan  – No Acupuncture or Massage Coverage
Keystone BCBS – NO Acupuncture Coverage and NO Massage Therapy Coverage
Keystone BCBS of PA – No Acupuncture Coverage and NO Massage Therapy Coverage
Keystone East – No Acupuncture Coverage & NO Massage Therapy Coverage
Keystone First of PA – (YXM Prefix) Medicaid Plan – No Acupuncture Coverage & NO Massage Therapy Coverage
Liberty Health – NO Acupuncture Coverage for their ‘Medicare Advantage’ Plans
MagnaCare “MultiPlan” Policies –  Covered In-lieu of Anesthesia Only
MassHealth – No Out-of-Network Acupuncture Coverage / This company does NOT credential LAc’s
Medicaid – NO Acupuncture Coverage
Medicare – NO Out-of-Network Acupuncture Coverage –> Provider must be in-network with the insurance company covering Medicare within their geographic area.
Mercer by UHC / Delta Retiree – No Acupuncture Coverage (follows Medicare guidelines)
MetroPlus Health Plan – No Acupuncture Coverage
MultiPlan Pointers, Cleaners & Caulkers Welfare Fund Plans – No Acupuncture Coverage
Mutual of Omaha United World Life – No Acupuncture Coverage (follows Medicare guidelines)
NewEra – Follows Medicare Guidelines /No Acupuncture Coverage
Oregon Health Plan – No Out-of-Network Coverage
Oscar – No Out-of Network Acupuncture or Massage Coverage
Oxford – Very few Oxford policies cover acupuncture and/or massage, but some do
Pacific Source – Medicare Plans Starting with 6100 / No Acupuncture
PSERS Health Options Program / HOP Medical Plan – Follows Medicare Guidelines No Acupuncture
PHCS Network – No Acupuncture or Massage Therapy Coverage
Physicians Mutual – No Coverage for their ‘Medicare Supplemental Plans’
Pointers, Cleaners & Caulkers Welfare Fund Plans – No Acupuncture Coverage
Rocky Mountain Health Plans – No Acupuncture Coverage (discount plan only)
Simply Health Care – In-network coverage only / Acupuncture w/pre-autorization only
Staywell WellCare Policies – Follows Medicare guidelines: does not cover acupuncture
Stonebridge Life – No Acupuncture Coverage (follows Medicare guidelines)
TEAMStar Retiree Health Plan / United American Insurance Co – Follows Medicare Guidelines /No Acupuncture Coverage
Transamerica – No Coverage for their ‘Medicare Supplemental Plans’
Tricare – No Out-of-Network Coverage
UFCW MagnaCare – No Acupuncture Coverage
United American – Follows Medicare Guidelines /No Acupuncture Coverage
United Healthcare ‘All Savers’ Plans – No Acupuncture Coverage
United Healthcare ‘Choice’ Plans (does NOT include ‘Choice Plus’ Plans) – No Out-of-Network Coverage
United Healthcare ‘Community’ Plans – No Acupuncture Coverage
United Healthcare Medicare Supplemental Plans – No Acupuncture Coverage
United Health One (Formerly Golden Rule) – No Acupuncture Coverage
United of Omaha Life – Follows Medicare Guidelines / No Acupuncture Coverage
USAA Medicare Supplemental Plans – No Acupuncture Coverage
VA Healthcare – No Acupuncture Coverage (Coverage for emergency use only –> patient must contact customer service)
VNSNY (Visiting Nurse Service of NY) – No Out-of-Network Acupuncture coverage
WellCare – Follows Medicare guidelines: Does NOT cover acupuncture