RUSSELL KOUTROUBY ACUPUNCTURE PC

Commercial Insurers

 

Participating Commercial Insurance Companies

I am an in- network provider for the  following insurance companies

Empire BC/BS, United Healthcare, Cigna, and  Vytra 

The coverage for acupuncture can vary considerably for each insurer and each benefit plan that they offer. Some plans will have a benefit for acupuncture services and some may not.

 Please make sure to check with your insurance company, prior to your initial consultation. Your plans benefits may change based upon your employers renegotiations with the insurer.

 Items to inquire about from your health  insurance company or your human resources department:

 

       What is the deductible, co-payment, and/or co-insurance that has to be paid and how much are you responsible for?

       What is the maximum acupuncture benefit?  Is it a number of visits per calendar year, per lifetime, or per condition?

       Are there specific diagnoses that are covered?

        Do you have acupuncture coverage only  in-network, or are you allowed to go out of network?

 

The following links will take you to your  insurers website where you may check for your member acupuncture benefits.

 If  your insurer is not listed please call your insurance member services  number on your health insurance membership card to check if you have acupuncture benefits if you do not find your insurer listed below.

 

 Aetna   http://www.aetna.com/

Aetna has plans that cover acupuncture and plans that do not.  You can call your insurance company to find out if your plan has this benefit.   
Depending on your plan, Aetna may cover acupuncture at 100%  or may cover at 50% -90% with the rest being the patientís responsibility.

Cigna Ė www.cigna.com

Cigna has plans that cover acupuncture and plans that do not.  You can call your insurance company to find out if your plan has this benefit. 

Empire Blue Cross/ Blue Shield  Plans   - www.empireblue.com

Patients that have health insurance plans with BCBS Federal, BCBS Verizon Plan, and BCBS Suffolk Co. Plan have coverage for acupuncture treatments for pain management with a per visit co-pay. Please check to see your limit coverage.

Patients with other BC/ BS  plans  have varying coverage based on diagnosis and number of visits.

United Health Care   https://www.unitedhealthcareonline.com

United Health Care has plans that cover acupuncture and plans that do not.  You can call your insurance company to find out if your plan has this benefit.  Depending on your plan, UHC may cover acupuncture at 100% or may cover at 80 -90% with the rest being the patientís responsibility

Vytra  www.vytra.com

Depending on your plan, Vytra may cover acupuncture at 100%  or may cover at 50% -90% with the rest being the patientís responsibility

The following insurance plans do not offer a covered benefit for acupuncture. However they have developed a discounted fee for service  acupuncture network.   My fees  for my patients without an insurance are always discounted in comparison to regular insured rates.

Oxford,  HIP, GHI



No Insurance or No Benefits


If you do not have insurance or your insurance plan does not cover acupuncture treatment, you are always offered a discounted rate.

New York State NO FAULT INSURANCE

 I   accept patients with No Fault coverage

Please note:

I am not responsible for any changes to your health insurance plans