You love acupuncture and you want the whole word to experience the same great feeling you get after an acupuncture session. Here is a quick guide as to how you can pay for acupuncture treatments:
(A) Talk to your Human Resource (HR) Manager.
Some patients have been using the money that they set aside monthly in their Flexible Spending Account (FSA) to pay for their sessions. FSA will typically allow acupuncture payments but not herbs/ supplements.
Health Reimbursement Account (HRA).
This are monies given to you by your employer typically because you have an insurance with a very high deductible i.e. $2500 and above. The HRA amount could range from $500-$1800. Your acupuncture payments and all other medical payments are deducted from the HRA till they get exhausted.
(B) Private Insurance
Again, ask your HR to offer insurance plans with acupuncture. Open enrollment is a good time to shop around what best fits your budgets and healthcare needs. Do remember that when you want add ons like Acupuncture and Chiropractic care, your premiums will always be higher.
In addition, different insurance plans covers differently. All patients MUST satisfy all their deductibles before insurance will kick in and cover your medical expenses.
Your co-insurance and co-pays are still your responsibility to pay at your time of visit.
(C) Workers' Compensation Cases
If you are injured at work, you can request acupuncture as part of your Physical Medicine modality from your Primary Treating Physician (PTP).
Your workers' compensation insurance carrier must first approved your sessions and they typically limit the number of treatments that you can get per injury. Healing Circle does not accept cases on a lien basis.