Extended Health Benefits: 2 Ways to Pay

We’ve got two options to help you get the most out of your insurance.

  1. Interested in getting acupuncture but don’t want to wait for your insurance reimbursement? Let us direct bill your insurance company. When you come in for treatment, you pay only your deductible or patient portion, and we take care of the rest!
  2. Want to get the most out of your annual coverage? Take advantage of our prepaid packages, which give you a discount on our treatment prices. Our 10 or 15 package is a great option if you are coming in for monthly treatments to keep your health on track.

Do you have extended medical insurance coverage? We now offer direct billing!

Many insurance companies  now allow us to bill them directly on your behalf- it’s easy and the response is instant. See below for the list of insurance companies that offer direct billing.

Want to get started with direct billing?

If you are interested in taking advantage of direct billing, please bring the following information to your next appointment:

  • Your health insurance card
  • If the plan is through your spouse or family member: the full name and date of birth of the planholder
  • Details about your deductible and annual maximum coverage is helpful but not required!

We will direct bill your health insurance company when you come in for your appointment. You will be responsible for paying the portion that your plan doesn’t cover. Less hassle and no more waiting for your reimbursement!

Direct billing is available with the following health insurance companies:

  • Alberta Blue Cross (massage only)
  • Chambers of Commerce
  • Cooperators
  • Cowan
  • Desjardins Insurance
  • Great West Life
  • Green Shield
  • Industrial Alliance
  • Johnson Inc
  • Manulife
  • Maximum Benefit/ Johnston Group
  • Medavie Blue Cross
  • Pacific Blue Cross
  • RWAM
  • Sirius Benefits
  • Standard Life
  • Sun Life

Insurance companies that do not currently allow direct billing:

  • Empire Life
  • Equitable Life

Wondering if your insurance plan covers acupuncture?

Each plan is unique. Your coverage depends on your employer, the insurance company, and the specific plan that your employer chooses for you. No two plans are alike, so we can’t tell you without checking with the insurance company!

Typically you will receive a certain dollar amount (i.e. $300 – 500) toward a particular service. Amounts are decided on by each company, and may be negotiated by unions. Some plans also have a separate “health spending account” that are discretionary funds to use how you like!  It’s worth finding out about this!

To find out how much your plan covers you can check your policy booklet, contact your company’s HR person, or phone your insurance company directly. Or bring in your insurance card to your first appointment, and we’ll check for you.

7 Questions to ask your insurance company:

There is a 1-800 number on the back of your insurance card. To find out if your insurance plan includes acupuncture benefits, ask them:

1. Does your insurance policy cover acupuncture? yes / no
2. Do you need a doctor’s referral? yes / no
If yes, does your referral need to be submitted to the insurance company first? yes / no
3. What is the coverage period? (Most- but not all- plans run on the calendar year)
4. Is there a dollar limit per year? yes / no
If yes, what is the dollar limit?
5. Is there a limit to the number of visits allowed per year? yes / no
If yes, how many are allowed per year?
6. Is there an annual deductible on your plan? yes / no
If yes, how much? Has the deductible been met? yes / no
7. Does your plan have “health spending account”? yes / no

Will I ever have to pay up front?

There are situations where we aren’t able to direct bill, or where you will have to pay out of pocket:

  • If your plan only covers a portion of the visit (i.e. 80%) you will have to pay the difference to the clinic.
  • If you have reached your annual maximum coverage for the service.
  • If your company does not allow direct insurance billing.
  • If it’s the first time using direct billing services for your plan, the insurance company sometimes blocks the first transaction to verify that it’s a legitimate claim. Once the insurance company has verified the claim, future claims can usually be submitted.
  • If your plan requires additional information, such as a doctor’s referral.
  • If you have 2 plans, and the plan we are billing is a secondary plan.

Please contact us if you have any questions or would like additional information!