Clinic Director & Insurance Specialist
Insurance:
Some insurance companies do cover acupuncture and some do not. Our office does not guarantee that your insurance will pay. Tara can assist you, if necessary, in making every attempt to receive verification of your policy.
If for any reason your claim is denied, you are responsible for the full amount of your bill.
Currently, we are in network with a few insurance carriers but to be sure, check with your carrier’s member services (phone # usually found on the back of your card) to confirm your “acupuncture benefits”.
Once your acupuncture benefits are confirmed with your carrier, as a courtesy we bill your insurance carrier. However, it must be understood that the contract is between you and your insurance carrier and you are fully responsible for any amount that they do not pay.
WE DO NOT BILL TO MEDICARE. If your insurance follows Medicare guidelines then they will not cover.
Our office will not enter into a dispute with your insurance company over any unpaid claim. We are able to print a superbill for you to submit to your insurance company for your reimbursement.
If your insurance requires a referral from your primary care physician for treatment, you will be responsible for payment of all services until our office has received a hard copy of the referral.
If at a later date your insurance reimburses for services that you paid for at the time of the visit, that amount will be refunded to you.
Point of Renewal Acupuncture accepts insurance for acupuncture patients. In order to best serve you, please call our office with your insurance information, address and birthdate so we can verify your insurance benefits before you arrive.
Point of Renewal Acupuncture is now a Preferred Provider for the following insurance companies:
Aetna
American Specialty Health
Blue Cross Blue Shield
Cigna
Health Partners
HUMANA
Mayo Medica Plan
Operating Engineers Local 139
Veterans Community Care
Please bring your insurance card to your appointment. Once we receive the verification, we will either submit the forms for you or provide you with the documentation you will need to submit a claim. Most HSA benefit cards can be used for Acupuncture also. Let us help you figure out this messy world of insurance so you can receive the benefits you deserve.
If you have any questions, please give us a call at 715.296.7467
Health Insurance Patients
Deductibles, Co-pays or co-insurance are common terms used by Insurance companies. Depending on your insurance coverage this may include any of the following types of payments:
a. “Deductibles”: these are amounts that are paid out by the patient before any payments are made by the insurance carrier. Example, a $500 deductible means that the patient is responsible for paying the first $500 of the charges incurred. Once the deductible is “met” then your insurance carrier will begin covering their portion of the allowed charges. Deductibles can be per individual or per family.
Deductibles usually reset every January 1st. However, not all do check with your carrier to confirm.
b. “Co-Payment”: a payment that may be required at the time of an office visit. This is usually a flat fee paid per visit, regardless of the total amount of charges incurred.
c. “Co-Insurance”: a payment that shares some of the overall cost of your care with your insurance carrier. This is usually determined after the charges have been processed by the insurance carrier and an “Explanation of Benefits” or “E.O.B.” has been issued. A plan will have a set ratio, for example 80/20, where the insurance carrier pays 80% of the allowed amount and you are responsible for 20%.
Once we receive the EOB from your insurance carrier (this sometimes takes 2-4 weeks after your treatment date) we will update your invoice accordingly and bill you for any remaining charges you may owe. Either by mail, email online or in person at your next treatment visit. We accept cash, check or credit cards as forms of payment.
Radio certificates cannot be used in conjunction with insurance payments.