Insurance and Payment

Insurance Coverage:

I am a participating provider with Anthem of Maine and most Blue Cross / Blue Shield plans, Cigna, Aetna, Harvard Pilgrim Health Care, United Health Care, Community Health Options and the Veteran’s Administration Community Care.

I will bill directly to these insurance companies if your plan covers acupuncture. Please note that not all insurance plans have acupuncture benefits. Some plans have limitations and cover only certain diagnoses. Please check with your plan.

Medicare covers acupuncture ONLY for chronic low back pain, no other diagnosis. But licensed acupuncturists are NOT Medicare providers, so I cannot bill directly to Medicare. I accept Aetna Medicare Advantage and am in-network. I am out-of-network with United Healthcare Medicare Advantage plans but can bill them (this means acupuncture is subject to a deductible and higher copay). I do NOT accept Humana or Anthem-Maine Health Medicare Advantage plans. I cannot bill Martin’s Point MA plans but will furnish a receipt you can submit to their “Wellness Wallet”. Some retirement plans have more generous acupuncture benefits under a secondary plan – inquire with your plan.

Medicaid – called MaineCare in Maine – does NOT cover acupuncture.

All copays, estimated co-insurance amounts, and payments toward a deductible are due by the patient at the time of service.  Ultimately, in the case your insurance fails to reimburse me or deems my services not covered, payment remains the patient’s responsibility.

These major employee groups in Southern Maine have acupuncture benefits:

    • Maine Health – Aetna
    • MEA (Maine Education Alliance) Benefits Trust (Choice Plus plan only) – Anthem
    • State of Maine employees – Anthem
    • Maine Municipal Alliance – Anthem
    • University of Maine System / University of Southern Maine – Cigna
    • City of Biddeford employees – Cigna
    • UNE employees – Cigna
    • Idexx – (limited to certain diagnoses)
    • L.L. Bean – (limited to certain diagnoses)
    • St. Joseph’s College employees – Cigna
    • Veteran’s Administration Non-VA Community Care, with referral
    • Federal employees – Blue Cross / Blue Shield

Feel free to call my office to inquire about your particular plan. I would be happy to assist you in getting the information you need.

Payment:

I accept personal checks, cash and Mastercard, Visa, American Express and Discover cards, and Apple Pay / Samsung Pay through Square. I do not accept PayPal or Venmo.