When it comes to health insurance coverage for acupuncture, the answer is not a simple one. Most private health insurance plans have covered acupuncture for years, but navigating insurance coverage requires a bit of a roadmap. The more accurate answer is that it depends on the insurer and the condition being treated. A recent study indicates that insurance coverage for acupuncturist visits has increased, but most of the expenses are still paid out of pocket.
Insurers should be encouraged to cover safe, low-cost, and evidence-based approaches to comprehensive pain care, including acupuncture therapy. If you receive acupuncture from a network provider, your insurance company sets the rate and the provider must accept it as the full rate. Health insurance companies are very particular about the conditions they will cover acupuncture for, and each company is different. It's best to check with your benefits administrator if you don't have documentation to confirm acupuncture coverage. Regardless of your health insurance coverage and the condition you're treating, you can use your HSA and FSA for acupuncture treatments. In New York State, healthcare spending accounts, HSAs, and flexible spending accounts (FSAs) can be used to cover charges, copayments, and coinsurance for acupuncture visits.
Agencies such as the Agency for Healthcare Research and Quality recommend acupuncture as part of comprehensive care for low back pain, neck pain, and fibromyalgia. However, an injury caused by using a machine, a fall on the job, or a serious injury while performing a work task are usually covered. In conclusion, it's important to understand that insurance coverage for acupuncture treatments varies from insurer to insurer and from condition to condition. Additionally, you can use your HSA and FSA for acupuncture treatments.