For new patients - please arrive on time, during the initial visit there is evaluation, as well as, mandatory health insurance and arbitration consent paperwork to be filled out.
Insurance payments happen after your Out-of-Network deductible has been fully met.
In order for me to check your individual Out-of-Network deductible, I must have the following information and only the following information (not your group number) your Date of Birth, Member ID number and Zip Code. Without all three pieces of information, I cannot help you. If this challenges your trust issues, you are sabotaging your wellness with resistance. You'd be surprised how many people have a problem giving a health care provider the mandatory information or leave out one of the three. I need this to answer your questions.
Please note: 1). Your In-network deductible is different than your Out-of-Network deductible. 2). HMO and EPO plans do not include Out-of-Network specialist evaluation visits within their policies and will not be reimbursable to the patient. HMO and EPO plans are In-Network only. I am Out-of-Network only.
Please have your insurance ID card with you for your initial visit. If you have any change of insurance plan, home address, or phone number, let me know so I do not bill with incorrect information which will delay your reimbursement unnecessarily by one month.
The top three companies with a PPO policy that an Out-of-Network acupuncture physician is reimbursed for evaluation/consultation and various treatment modalities are:
1) Aetna Choice Plus Open Access PPO or Choice POS II PPO or Managed Choice Open Access PPO policies
2) Cigna Choice Plus Open Access or Open Access Plus PPO (Out-of-Network) - offers a partial payment.
3) United Choice Plus PPO or Options PPO policies
Other companies that cover consultation/evaluation services and other modality services for an acupuncture physician.
United Oxford PPO policies - make sure it is not an EPO policy, which is limited to In-Network providers.
Automated Group Administration (AGA) PPO policies
Anthem, Empire, CareFirst, BlueShield of California, BCBS of other states (PPO plans only) - an extremely frustrating company, terrible automated service, long hold hours, no direct payments to providers; very discouraging. And because of this, I require direct payment from BCBS patients at the time of service. Because BCBS frustrates both the Out-of-Network providers and the members, they get to keep more of the money for their shareholders. BCBS is the worst insurance company of the top five for Out-of-Network NYC providers.
SAG-AFTRA Health Plan - 8 sessions per quarter at only $38.50 each session
Medicare/Medicaid does not cover acupuncture services and if they did, they would pay very little.
No-Fault/Workers' Compensation - I do not work with either of these two institutions.
Direct Payment Options:
- Health Spending Account (HSA)
- Flexible Spending Account (FSA)
- Cash, I may or may not have change.
- Venmo (firstname.lastname@example.org)
- Chase Quickpay: (email@example.com)
- PayPal: (firstname.lastname@example.org)
- Google Wallet: (email@example.com)
- American Express
- Diner's Club International
- Apple Pay
- Android Pay