Using Health Insurance
for Massage & Acupuncture
Read this page first!
We're here to help you make the most of your health insurance, but your cooperation is essential. We ask that you take a few minutes to familiarize yourself with the details of your policy and the instructions listed here.
For Regence/BCBS, we always require a referral before we can bill insurance, even if your insurance says you do not need a referral.
If you have trouble verifying your insurance benefits or need assistance, please email office@ritualunawellness.com at least five business days before your appointment.
If your insurance information is not submitted before your appointment or your request for assistance is not submitted with 5 days' processing time, you will need to pay the cash rate for your session at the time of your appointment.
Insurance credentialing is individual to each practitioner, so not all of us work with the same health insurances. Use the chart below to find which practitioner takes your insurance.
It is your responsibility to verify your own benefits and know their limits and exemptions. We do the best with the info we have, and we want to help you navigate this process, but as a small clinic we do not have the resources to verify benefits or insurance details in-house for every client.
Please fill out this worksheet (linked) when verifying your benefits, either via phone (recommended) or your insurance's website. This worksheet will help you fill out the intake form.
Get a referral from an MD, DO, ND, NP, or PA, and have them fill out this form (linked).
Referrals are required for billing insurance regardless of your plan or benefits. Whatever your insurance customer service might say, if RituaLuna Wellness doesn't have a referral on file, payments can be retroactively pulled back from us even years after treatment. We have decided on a strict policy to protect us from this risk.
Use your benefit verification worksheet and referral to fill out the intake form emailed to you by Jane, our booking website.
If filling out the intake form presents a barrier to you, email the completed form to office@ritualuna.com with at least three business days before your appointment, and we can fill out the form on your behalf.
FAQ: Health Insurance
If your insurance information or a help request isn't submitted at least 3 days prior to your session, you will be asked to pay our cash rate at the time of service. Once your benefits are confirmed, any overpayments will be automatically refunded to your card.
To be valid for private insurance, your referral must be written by an MD, DO, ND, NP, or PA.
-
Physical therapists, acupuncturists, and optometrists do not qualify.
-
Chiropractors (DC) qualify for Motor Vehicle Accident (MVA) claims, but typically not for standard private health insurance.
-
Many plans require a pre-authorization for manual therapy benefits. Because we cannot guarantee that your insurance will approve these ahead of time, you may be held liable for the cost of your first appointment if they decline coverage. Once the initial pre-authorization is secured, subsequent visits are much more reliable, though insurance may request additional clinical questionnaires or limit the number of approved visits.
-
OHP for Acupuncture: We are actively working on getting our acupuncturist credentialed on the OHP Open Card, though this process takes several months. Other OHP panels are currently closed to new acupuncture applications.
-
OHP for Massage: No. OHP does not cover LMTs who operate independently of physical physicians or chiropractors.
-
Medicare: No. Medicare does not cover massage therapy, and it only covers acupuncture if performed by a dual-licensed Eastern & Western medical provider (like an MD or NP). Our acupuncturist does not qualify.
-
-
Out-of-Network: We do not bill out-of-network insurance due to the heavy administrative burden. However, we are happy to provide you with an itemized Super-Bill after your session so you can submit it to your insurance for direct reimbursement.
-
Out-of-State: Out-of-state plans rarely recognize LMTs as medical providers. If you have an out-of-state plan, we likely need to bill you directly for your services.
-
For out-of-state BCBS plans, we do not bill manual therapy benefits due to repeated claim reversals and clawbacks on these policies. Clients who wish to pursue reimbursement may request an itemized receipt or claim documentation to check with their insurer about self-submission options. Any reimbursement is determined by the individual plan.
-
We may be misrepresented on provider directories for a number of reasons, despite our repeated requests. Unfortunately, we only take the insurances listed on this page, regardless of what your provider directory says.
If your insurance isn't on this list, you can contact your insurance company to see if you're able to be reimbursed for out of network benefits.