Will my insurance cover acupuncture? What about MSP, ICBC, WCB, DVA?

Home/FAQs/Will my insurance cover acupuncture? What about MSP, ICBC, WCB, DVA?

Acupuncture is very widely accepted and most extended medical plans do cover acupuncture. However, because every policy is different, we recommend you check with your insurer to find out the exact coverage. Most insurance plans do not require a doctor’s referral for acupuncture, however some do so again, check with your plan.

MSP

MSP covers a portion of acupuncture treatments for those enrolled in the premium assistance program. This means that you are not paying full premiums for BC Medical; eligibility is based on income. If you are on the premium assistance program, MSP will cover a portion of the treatment (currently $23 per visit), up to 10 treatments per calendar year.

If you are not on this program but feel you should be, please contact MSP for application information.

ICBC

ICBC may allow acupuncture as part of your treatment program. If you would like to receive acupuncture, please discuss with your claims adjuster to find out more. ICBC currently does not allow us to direct bill acupuncture, so you will have to pay for your treatments and submit them to ICBC for reimbursement.

WCB / WSIB

WSIB (WCB) may allow acupuncture as part of your treatment program; if you would like to receive acupuncture, please discuss with your claims adjuster to find out more. WSIB usually does not allow us to direct bill acupuncture, so you will have to pay for your treatments and submit them to WSIB for reimbursement.

DVA

Department of Veteran’s Affairs covers 15 acupuncture visits per year for certain conditions. If you would like to receive acupuncture, we will require a doctor’s referral for treatment, your K number, and some additional information from you. Please call our office for more information.

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. All you have to do is bring your policy and plan numbers (you should have a wallet card) and we can bill your insurance company for you!

Please refer to our direct insurance billing page for more information.

How much does your insurance plan cover?

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

 

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