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Many insurance carriers cover acupuncture, including Workers' Compensation, auto accident policies, and other private carriers. Point to Health Acupuncture is an Out-of-Network provider for many insurance companies.
If you are unsure if your plan covers acupuncture, you can contact your insurance company or benefits representative. The following are recommended questions to ask your representative:
Is acupuncture covered when administered by an out-of-network New York State Licensed Acupuncturist?
If so, do you limit coverage of acupuncture services to specific medical conditions?
Is reimbursement limited only to Medical Doctors (MD) who perform acupuncture and not applicable to licensed acupuncturists?
Is reimbursement limited to a particular network or panel of practitioners?
Is there an annual deductible? If so, how much is the deductible? How much has been met?
Is there a cap on the number of visits/dollar amount per year?
Do I need to obtain pre-authorization, a referral from an M.D. or a letter of medical necessity?
Acupuncture is also an eligible expense for Flexible Spending Accounts and Health Savings Accounts.
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