Financial Policy & Fees

What are your fees?

Office visit: $90

House Call:$$180

 

What's included in your Point of Cure Session?

All-inclusive Point of Cure Session takes between 40 and 60 minutes and consists of 4 vital steps:

 

• Reading:  Consultation, diagnostic meridian palpation, & skin resistance testing

• Opening:  Cupping, acupressure, ultrasound, and/or infrared therapy

• Balancing:  Acupuncture with or without electrostimulation

• Firming:  Auriculotherapy (needle or laser)

 

Will I receive a superbill?

Absolutely! Upon your request (within two business days), you will be provided with a “superbill” (an itemized receipt) in case you decide to seek reimbursement from your insurance plan.

 

Do you take Insurance?

We do accept some PPO and HMO plans. Before your initial appointment, we will attempt to verify your coverage.

 

What if you are in my network?

That makes things somewhat easier. Your financial responsibility (and our reimbursement) is governed by the contract we have signed with your insurance plan. You pay the mandatory copay and deductible; your insurance pays the rest.

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How good is the insurance coverage?

While more and more insurance plans will pay for acupuncture, the degree of coverage varies. Some cover only certain acupuncture modalities. Others limit the number of sessions or have a cap on the maximum yearly amount. In rare cases, insurers may require documentation of a specific medical condition (such as chronic back pain).

 

Hence, having insurance does not mean “free healthcare.” You are still personally responsible for any deductibles, co-insurance, co-payments, and all noncovered charges. Also, most additional services (prescriptions, injections, etc.) are not covered by insurance. If you decide to add them to your acupuncture session, you will be required to pay at the time of service.

 

All self-pay amounts, copayments, deductibles, and past-due balances are due at the time of service unless previous arrangements have been made. We accept credit cards, Venmo, and Zelle.

 

What if I am out-of-network?

Trying to use insurance out-of-network is messy: it complicates billing and may end up costing you more than simply choosing the self-pay option:

 

• Your insurance may cover only a small portion of the provider’s (non-discounted) charges, making you responsible for a high coinsurance.

• You may have to wait for the insurance to mail you the payment before forwarding it to the provider.

• Your insurance may simply not cover the services, leaving you on the hook for the full (non-discounted) balance.

 

For these reasons, we try not to bill out-of-network. Instead, we strongly favor a self-pay option.​

 

Can I use HSA or HFA to pay for acupuncture?

Certainly! Acupuncture is a “qualified medical expense” under HSA and FSA. We’ll gladly swipe your card.

 

Do you accept liability payments?

We do not bill motor vehicle (PIP) insurance and we do not accept attorney letters or contingency payments.

 

Do you bill workers compensation?

We do take some Florida and Federal workers’ compensation plans. Once we have verified the claim, no payment is required on your part. If the claim is denied, we will try to re-submit it to your primary medical insurance carrier. If your primary medical insurance denies the claim as well, you will be responsible for payment in full.

 

What if acupuncture doesn’t work, can I get my money back?

Healing is an inherently unpredictable and inexact process. For some patients, acupuncture provides almost an immediate (they say miraculous) relief. For others, it may take a couple of days or even several treatments to notice improvement. Yet there still are patients for whom acupuncture does absolutely nothing. Finally, once in a big while, we even encounter a patient whose symptoms have gotten worse after our treatment. We never know upfront. We always suggest trying acupuncture once or twice before deciding if this is for you. Regardless of the outcome (or your satisfaction with our service), all fees are non-refundable.

 

Further Questions

So, to sum things up, the insurance business is complicated. Paying out of pocket may be a better option for some patients. Please contact us to ask questions and/or make payment arrangements prior to your appointment. During the visit, Dr. Lu prefers not to discuss financial matters.