Insurance & Superbills

Insurance & Superbill FAQs

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What is a superbill?​

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A superbill is a detailed receipt you’ll receive after your appointment. It includes:​

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• Diagnosis codes

• Treatment codes

• Total fees paid​

 

You can submit this to your insurance company for potential reimbursement.​​

 

How do I know if I have coverage?​

 

To find out if your plan includes out-of-network acupuncture benefits, contact your insurance provider directly. The Member Services number is usually on the back of your card.

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Here are helpful questions to ask:

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• Do I have coverage for acupuncture?

• Is acupuncture covered when performed by a licensed acupuncturist (L.Ac.)?

• Is coverage limited to specific conditions (e.g., pain, nausea, headaches)?

• Do you reimburse for out-of-network providers?

• If yes, what percentage is reimbursed, and what is my deductible?

• Do I need a referral, prescription, or prior authorization?

• Where do I submit my superbill or claim form?​

 

How do I submit a superbill?

 

Most insurance companies allow you to submit claims in one of the following ways:

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• Through your online member portal

• Or by mail using a claim form

 

You’ll attach the superbill I provide after your visit. If eligible, reimbursement is typically sent directly to you.

 

What can I expect for reimbursement?

 

Coverage varies widely depending on your specific plan.

 

Even when acupuncture is covered:

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• You may need to meet a deductible first

• Reimbursement percentages vary (often 50–80%)

• Insurance companies determine payment timelines

 

Because of this, I recommend checking your benefits in advance so you know what to expect.​

 

Why I don’t bill insurance directly

 

I choose not to bill insurance so I can:

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• Spend more time with each patient

• Provide personalized, integrative care

• Use the combination of modalities that best supports your body

 

This allows your treatment to be guided by your needs—not insurance restrictions.​

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A note on HMO & Medicaid plans

 

HMO and Medicaid plans do not offer out-of-network reimbursement for acupuncture.​

 

HSA / FSA & Payment Options​

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Can I use my HSA or FSA card to pay for acupuncture?​​

 

Most HSA and FSA accounts will cover acupuncture, as it’s considered an IRS-approved medical expense. You can typically use your HSA/FSA card to pay for your visit directly.

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I recommend checking with your plan provider to confirm your specific coverage.​​

 

What about Reiki?​​

 

You may be able to use your HSA or FSA funds for Reiki if you have a written prescription or letter of medical necessity from your doctor.

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Please check with your plan to ensure you meet their requirements and avoid any potential tax penalties.​​

 

And herbs & supplements?​

 

Some HSA/FSA plans may allow you to use funds for herbs and supplements, particularly with a letter of medical necessity.

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Coverage varies, so it’s best to verify with your provider.​​​​​​

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Not using insurance—or looking for a way to make ongoing care more affordable?

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Memberships & Self-Pay Options​

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Do you offer membership options for ongoing care?​

 

Yes—I offer membership options for patients who plan to come in regularly. Memberships provide discounted rates and can make ongoing care more accessible.

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👉🏼 Learn more about memberships.​​

 

Can I use a membership if I’m submitting to insurance?​

 

Yes, you can absolutely use a membership even if you plan to submit superbills to insurance. This can be especially helpful while meeting your deductible.

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However, there are a few things to keep in mind:

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• The membership fee itself is not reimbursable by insurance

• Your superbill will reflect the discounted rate you paid for your visit

• Reimbursement (if eligible) will be based on that discounted amount​​

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Have more questions?

 

Feel free to reach out—I’m happy to help you understand your options.​

 

Ready to get started?

 

You’re welcome to schedule your first visit below.