Does cigna cover acupuncture?

Are you considering acupuncture to complement your healthcare routine, but unsure if your Cigna insurance policy covers it? You’re not alone. Many individuals are seeking alternative therapies for pain management and overall wellness, with acupuncture being a popular choice.

In this blog post, we’ll dive into the details of Cigna’s coverage policies regarding acupuncture services, explore how to find an in-network acupuncturist, discuss the various benefits associated with receiving treatment through Cigna coverage, and touch on other related topics that will demystify insurance complexities.

Understanding Acupuncture And Cigna’s Coverage Policy

Acupuncture is a type of alternative medicine that involves inserting thin needles into specific points on the skin to alleviate pain or improve overall health, and Cigna offers coverage for acupuncture services under certain medical plans.

What Is Acupuncture And How Does It Work?

Acupuncture is an ancient healing technique originating from Traditional Chinese Medicine that has been practiced for thousands of years. This holistic therapy involves inserting thin, sterile needles into specific points on the body, known as acupuncture points or meridians.

The main goal of acupuncture is to restore balance and harmony within the body by stimulating these specific points. By doing so, it helps improve overall health and well-being while addressing various health concerns ranging from pain management and stress relief to promoting relaxation and improving sleep quality.

Numerous studies have shown that acupuncture can be an effective treatment for a wide variety of conditions such as headaches, backaches, digestive issues, allergies and many more.

Overview Of Cigna’s Coverage Policy For Acupuncture

If you’re considering acupuncture as part of your healthcare routine, it’s important to understand Cigna’s coverage policy. Acupuncture is considered an alternative therapy, and while coverage varies by plan, many Cigna plans do cover acupuncture services.

To be eligible for coverage, the acupuncturist must be a licensed practitioner and in-network with Cigna. Keep in mind that some plans may require a copay or coinsurance for each visit.

However, one benefit of choosing an acupuncturist within Cigna’s provider network is that the cost may be reduced compared to seeking out-of-network services. Additionally, related therapies such as chiropractic and dry needling may also be covered under your plan.

Requirements For Coverage And Limitations

To be eligible for coverage of acupuncture under Cigna, you must have a plan that includes this benefit. Additionally, your plan may require a referral from your primary care physician or prior authorization before receiving acupuncture services.

Coverage limitations include the number of visits, duration of treatment, and specific conditions that are covered.

It’s important to review your plan’s coverage policy and consult with an acupuncturist in Cigna’s network to fully understand your benefits and any out-of-pocket costs. Keep in mind that while insurance can help reduce the cost of treatment, it is not always necessary to use insurance for every visit.

Finding An Acupuncturist With Cigna Coverage

To find an acupuncturist with Cigna coverage, start by utilizing Cigna’s provider network or checking the credentials of potential providers.

Utilizing Cigna’s Provider Network

One of the easiest ways to find an acupuncturist who accepts Cigna insurance coverage is to utilize their provider network. The network includes a wide range of healthcare professionals, including acupuncturists, who have agreed to accept predetermined rates for services rendered.

To access the provider directory, customers can log in to their Cigna account or call customer service and request a list of in-network providers in their area.

By choosing an innetwork provider, customers can reduce their out-of-pocket costs for acupuncture treatments while still receiving quality care from licensed practitioners within the Cigna network.

Checking Acupuncturist Credentials

It’s important to ensure that the acupuncturist you choose is qualified and properly licensed. When looking for an acupuncturist with Cigna coverage, start by checking their credentials.

You can look up an acupuncturist’s license status on your state’s regulatory website.

You should also consider the experience of an acupuncturist when making your choice. Check how long they have been practicing acupuncture and what certifications or qualifications they hold beyond their basic licensure.

It may be helpful to read reviews or ask for recommendations from friends who have received acupuncture treatment before choosing a provider in Cigna’s network.

Considering Referrals And Recommendations

When seeking an acupuncturist covered by Cigna, it’s important to consider referrals and recommendations from trusted sources. These sources can include your primary care physician, family, friends, or online review sites.

Additionally, some acupuncturists may specialize in certain areas like sports medicine or women’s health. Asking for referrals from those who have received treatment for similar conditions as yourself can also be beneficial.

It’s essential to check the credentials of any potential provider and verify that they are covered under Cigna’s network before booking an appointment.

Benefits Of Acupuncture With Cigna Coverage

Acupuncture with Cigna coverage offers reduced costs for treatments, improved access to alternative medicine and related therapies like chiropractic and dry needling, as well as increased wellness and health overall.

Reduced Cost For Treatments

One of the benefits of having Cigna insurance coverage for acupuncture is the reduced cost for treatments. With Cigna’s network providers, you can get access to accredited acupuncturists who offer services at a discounted rate.

This means that your copayment or coinsurance may be significantly lower than it would be if you were seeing an out-of-network provider.

For those looking to manage their healthcare costs without sacrificing quality care, having access to such reduced cost options can make all the difference.

Improved Access To Alternative Medicine

With Cigna’s coverage for acupuncture, you’ll have improved access to alternative medicine. This means that you can benefit from a variety of holistic healthcare practices that are designed to improve your overall health and wellness.

Acupuncture is just the beginning – there are many other complementary therapies available under Cigna plans like chiropractic care and dry needling.

For example, if you’re experiencing chronic back pain or headaches due to muscle tension, regular visits with a chiropractor could provide relief where traditional medical interventions may fall short.

Meanwhile, incorporating acupuncture into your self-care routine could help alleviate menstrual cramps or migraines by targeting pressure points in specific parts of the body.

Increased Wellness And Health

Opting for acupuncture with Cigna coverage can significantly contribute to your overall wellness and health. Acupuncture is a natural way to manage your pain, especially headaches, migraines, chronic back or neck pain, osteoarthritis, fibromyalgia, and menstrual cramps.

Not only does it provide relief from physical discomfort but also reduces stress levels that could lead to anxiety or depression. With reduced cost for treatments through Cigna’s provider network, you’ll have better access to alternative medicine while boosting your body’s own healing abilities.

Coverage For Related Therapies Like Chiropractic And Dry Needling

In addition to covering acupuncture, Cigna also offers coverage for related therapies like chiropractic and dry needling. Chiropractic therapy involves the manipulation of the spine to alleviate pain and improve overall health.

Dry needling is a technique that uses small needles inserted into trigger points in muscles to relieve pain and tension. Under Cigna’s plans, these therapies may be covered with copayments or coinsurance fees depending on your specific plan and provider network.

Alternative Options For Acupuncture Coverage

If you’re looking for alternative options for acupuncture coverage beyond your Cigna plan, there are several options available to explore.

Health Savings Accounts (HSAs)

If you’re looking to save money on healthcare costs, a health savings account (HSA) may be an option to consider. HSAs are tax-advantaged accounts that can be used to pay for qualified medical expenses, including acupuncture treatments.

To be eligible for an HSA, you must have a high-deductible health plan (HDHP). Your HDHP deductible must meet specific requirements set by the IRS. The good news is that Cigna offers HDHPs that are compatible with HSAs.

Flexible Spending Accounts (FSAs)

Flexible spending accounts (FSAs) are a great way to save money on health expenses not covered by insurance, including acupuncture. FSAs allow you to set aside pre-tax dollars from your paycheck to use towards medical expenses, which can significantly reduce your out-of-pocket costs for acupuncture and other alternative therapies.

The funds in an FSA typically expire at the end of each year, so it’s important to plan accordingly and use them before they disappear.

Medicare And Medicaid

Medicare and Medicaid are government-sponsored insurance programs designed to provide healthcare benefits to eligible individuals. Medicare typically covers people over the age of 65 or those with certain disabilities, while Medicaid provides coverage for low-income individuals and families.

While these programs do not cover acupuncture treatments directly, some Medicare Advantage plans may offer coverage for alternative therapies like acupuncture.

Similarly, some states that participate in Medicaid may offer acupuncture services as part of their state plan benefits or through managed care plans.

Changes To Acupuncture Claims Management

Cigna has recently transitioned to American Specialty Health (ASH) for managing acupuncture claims, with updated copayment and coverage details.

Transition To American Specialty Health (ASH) For Acupuncture Claims

Cigna has recently transitioned to American Specialty Health (ASH) for managing its acupuncture claims. The move was aimed at streamlining the provider selection process and reducing costs for customers.

Under ASH, Cigna members have access to a wide network of licensed acupuncturists across the country who are specially trained in traditional Chinese medicine techniques.

As part of this transition, new co-payment and coverage details were implemented, with benefit explanations and coverage limits outlined clearly on the Cigna website.

Co-payment And Coverage Details

When it comes to acupuncture coverage through Cigna, understanding the co-payment and coverage details is crucial. Generally, the co-payment for an in-network acupuncturist visit ranges between $20 and $50 per session.

However, this may vary depending on your plan’s specific coverage policies.

Additionally, while most types of acupuncture are covered under Cigna insurance plans, there are some exceptions such as experimental or investigational therapies. When seeking acupuncture services under Cigna, be sure to confirm that the provider is within network and verify their credentials before making an appointment.

Benefit Explanation And Coverage Limits

Cigna’s coverage for acupuncture has its benefits and limitations. While the company covers a range of alternative therapies including chiropractic and dry needling, there are limits to the number of treatments covered per year.

Copayment reductions for acupuncture services can help make treatments more affordable but may differ depending on your plan type. For instance, those with Open Access Plus plans have access to in-network providers at lower costs compared to out-of-network providers.

It is important to note that Cigna does not cover experimental, investigational or unproven therapy options, so it’s essential you check with your provider before seeking treatment.


In conclusion, if you’re looking for insurance coverage for acupuncture services, Cigna may be a great option to consider. While their policies do have some requirements and limitations, utilizing their provider network can help you find an acupuncturist that fits your needs.

With reduced cost for treatments and increased access to alternative medicine, the benefits of acupuncture with Cigna coverage are worth considering. Additionally, other options like health savings accounts (HSAs) and Medicare/Medicaid may provide additional coverage options.

Keep in mind that as of 2021, Cigna has transitioned management of acupuncture claims to American Specialty Health (ASH), so it’s important to understand any changes that may impact your coverage or copayment details.

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