Is Acupuncture Covered by Insurance

Acupuncture has become a widely accepted treatment for pain management, stress relief, and overall wellness. But many patients ask: Is acupuncture covered by insurance? The answer depends on your insurance plan, your state, and the medical reason for treatment.

Quick Answer 

Yes, many insurance plans cover acupuncture, but coverage is usually limited to specific conditions such as chronic pain, migraines, or nausea after chemotherapy. The extent of coverage depends on your insurance provider and plan. Always check with your insurer before scheduling treatment.

What Types of Insurance Cover Acupuncture?

1. Private Health Insurance

Most major insurance carriers offer some level of acupuncture coverage. However, it’s typically restricted to:

• Chronic low back pain

• Migraines and tension headaches

• Post-operative or chemotherapy-related nausea

2. Medicare

Medicare covers acupuncture, but only for chronic low back pain. Coverage includes up to 12 visits in 90 days, with an additional 8 visits if improvement is documented.

3. Medicaid

Medicaid coverage varies by state. Some states include acupuncture for pain management, while others do not cover it at all.

4. Employer Health Plans

Some employer-sponsored plans provide expanded acupuncture coverage as part of holistic health or wellness benefits.

What’s Typically Not Covered?

• General wellness or stress reduction treatments

• Cosmetic acupuncture (for anti-aging or weight loss)

• Acupuncture performed by non-licensed providers

Average Out-of-Pocket Costs

If your insurance does not cover acupuncture, expect to pay between $50–$120 per session, depending on location and practitioner experience.

Key Points

• Many insurance plans cover acupuncture but only for specific conditions.

• Medicare covers it for chronic low back pain with limits.

• Medicaid coverage depends on the state.

• Out-of-pocket costs can range from $50–$120 per session.

• Always confirm coverage with your insurer before starting treatment.

FAQ

1. Does insurance cover acupuncture for stress or anxiety?
Most insurance plans do not cover acupuncture for stress unless it’s tied to an approved medical condition.

2. How many acupuncture sessions does Medicare cover?
Medicare covers up to 20 visits per year, but only for chronic low back pain.

3. Can I use an HSA or FSA to pay for acupuncture?
Yes, acupuncture is considered an eligible medical expense under most HSA and FSA accounts.

4. Is acupuncture covered after surgery?
Some insurers may cover acupuncture to manage post-operative nausea or pain, but coverage varies by plan.

With over 30 years of expertise, we can help you find the right health insurance that covers the treatments you need—including acupuncture. Fill out the form below to see your personalized options instantly. Start now and get your tailored quote today. It’s fast, secure, and designed for you.