Payment and Insurance

Insurance for Acupuncture

Some insurance companies cover acupuncture treatments for chronic pain (pain lasting longer than a few months). At this time, insurance does not cover Reiki, naturopathic medicine, massage, or Ayurveda through our clinic.

As a small business, we do not have an in-house medical biller and instead work with a third-party billing service. Unlike many larger medical clinics, we do not want clients to receive unexpected bills after treatment due to denied claims. Because of this, it is important that you understand your own acupuncture benefits, including any copays, deductibles, or visit limitations before your appointment.

Below are instructions to help you determine your acupuncture coverage. To find out whether your insurance plan covers acupuncture, please contact your insurance provider or log into your insurance portal and ask the following questions:

  1. Is acupuncture a covered service?

  2. Is Loon Holistic Health, Dawn Pivec, or Julie Wyatt in your network? Only Julie is in network with Health Partners and Dawn is in network with UHC, VACCN, UMR, and Surest.

  3. If yes, what are the copay and/or deductible amounts?

  4. If you have to meet your deductible, how much do you have left to pay? (you will have to pay your deductible directly at Loon Holistic Health on the date of service)

  5. What is the visit limit?

  6. Do I need a prior authorization or a referral from an MD?

  7. Do I have out-of-network-benefits? *

Insurance companies will not typically not cover anything other than pain and nausea. The most common ailments that we bill for are:

  1. Low back pain (see our blog here)

  2. Neck pain

  3. Limb and extremity pain

  4. Headaches or migraines (see our blog post here)

  5. Menstrual cramps

  6. Fibromyalgia

  7. Nausea due to chemotherapy or pregnancy

We currently have accept:

  • Health Partners (must book with Julie Wyatt)

  • United Health Care (Must book with Dawn Pivec)

  • UMR (Must book with Dawn Pivec)

  • Surest (Must book with Dawn Pivec)

  • Veteran Affairs Community Care Network (you will need a referral from your doctor faxed to 866-612-0191, must book with Dawn Pivec)

  • Some Medicare Advantage Plans (Medicare supplements do not cover)

  • Auto Insurance (can book with Dawn and Julie)

  • Workers Compensation Insurance (can book with Dawn and Julie)

  • HSA

  • FSA

  • Cash

  • Check

  • Credit or debit cards

We do not have a contract with the insurances below, but you can check to see if you have out-of-network benefits*:

  • Medicare

  • Cigna

  • Preferred One

  • Blue Cross Blue Shield (union and federal plans typically have out-of-network coverage)

  • Humana

  • Kaiser

  • Aetna

  • UCare

Before booking an appointment, please make sure you have all of the questions above answered. If, for some reason, your insurance does not cover you will be charged for the service.

*Out of network benefits?

If you have out-of-network benefits, we’ll provide a Superbill (a bill with procedure and diagnosis codes) for insurance reimbursement. You pay at the time of service, submit the itemized bill to your carrier, and, if approved, receive reimbursement directly.

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