Billing Questions

Our Billing Process

Willow Tree Acupuncture & Wellness is an In-Network provider with MODA, United and UMR.

Insurance reimbursement to alternative healthcare providers has plummeted while all other costs have risen. This has pushed us out of network with Providence, BC/BS, Cigna and Aetna. We are not able to bill Medicare or OHP.

Additionally, insurance limits which conditions they will cover. For example, fertility care is not covered by your acupuncture benefits with any insurer, however Health Savings Accounts or FSA accounts will cover out of pocket expenses for acupuncture treatments regardless of the diagnosis.

Every plan differs in coverage and we encourage you to check your own benefits before scheduling. For your convenience, we provide this questionnaire form to be fully informed about your acupuncture insurance billing coverage: Checking Your Coverage Sheet

Fees & Insurance

For all other insurers, we are a fee for service provider. You are able to use your HSA or FSA card for acupuncture without any limits to diagnoses covered, unlike commercial insurance plans.

Upon request, we can provide an itemized bill (Superbill) with all necessary information so that you can submit for direct reimbursement from your insurance plan.

Call your insurance and ask if you have out-of-network acupuncture coverage. Use the Coverage Sheet download above to make sure you get all the information you need.

If you don’t have out-of-network benefits, be sure to notify your Human Resources representative to request their inclusion in the following year’s insurance plan.

All Motor Vehicle Claims – Acupuncture and Massage are including in all Personal Injury Policies (PIP) for automotive injury claims in the State of Oregon up to $15,000.

Federal Savings and Health Savings Accounts

If you are enrolled in a high-deductible health plan, you may use your Health Savings Account or Flexible Spending Account. Acupuncture treatments are covered as medical care.

Herbal formulas and supplements are sold separately as they are not a covered by prescription benefits or health savings accounts.

Taxes

The IRS recognizes our services as a qualified medical expense, which you may find beneficial when preparing your income tax return. Speak with your tax advisor for more information.

FAQ

Why did I receive a bill?

Patients are sent a bill if their insurance company determines that they owe deductible, co-insurance, or if there is a non-covered service or amount. Our office does not determine how much you owe or why: this is determined by your insurance company and explained on your EOB (explanation of benefits).

What are copays, deductibles, co-insurance and non-covered services/amounts?

A deductible is a set yearly dollar amount you will owe toward the cost of your medical care before your insurance company will begin to pay. Check your policy to determine the amount. A Co Pay is a set amount that you pay at the time of your treatment. Co-insurance is a percentage of your medical services that you owe. Non-covered services or amounts are determined by your insurance company. Your policy may have limits on the number of treatments per year or the procedures that they will cover. Your insurance company determines both the coverage (typically called benefits) of your particular insurance plan as well as the allowed payable amounts for acupuncture services. Co Insurance is a percentage of the insurance plan’s allowable amount.

I can't find my EOB or I still don't understand why I owe a balance: what should I do?

If you can’t find your EOB from your insurance company it is usually available online. You can also call customer service and have the representative explain to you the details of what you owe and why for the date of treatment in question. The customer service rep can send you a hard copy of your EOB for your records upon request.