Billing Questions

Our Billing Process

Your insurance company will provide you with the best information about your insurance billing benefits. Every plan differs in coverage and we encourage you to check your own benefits before scheduling. Use this questionnaire form to be fully informed about your acupuncture insurance billing coverage: Checking Your Coverage Sheet

Willow Tree Acupuncture & Wellness is an In-Network provider with MODA, Providence, United and UMR. Insurance benefits do not cover all the conditions you may want treated with Chinese Medicine and acupuncture, this has been determined by your insurance company. Fertility care is not covered by your acupuncture benefits, however Health Savings Accounts or FSA accounts will cover out of pocket expenses for any acupuncture care.

After booking your New Patient Consultation, please be sure to fill out the Insurance section of the intake forms. We will submit the claim directly to these companies, but the patient is responsible for payment in full if insurance denies the claim.

Fees & Insurance

For all other insurers, we are a fee for service provider. Upon request, we can provide an itemized bill with all necessary information so that you can submit for the allowable reimbursement determined by your 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.
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.


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).
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.
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.
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