Best Acupuncturists That Accept Medicare in 2024 (Find the Top 10 Companies Here!)

Best for Accupuncturists: Cigna

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Company Facts

Full Coverage for Acupuncturists That Accept Medicare

$120/mo

A.M. Best Rating

A

Complaint Level

Low

» Cigna Health Insurance Review

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Best Accupuncturist Network: Humana

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Company Facts

Full Coverage for Acupuncturists That Accept Medicare

$130/mo

A.M. Best Rating

A

Complaint Level

Low

» Humana Health Insurance Review

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Best Service for Accupuncturist: Aetna

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Company Facts

Full Coverage for Acupuncturists That Accept Medicare

$135/mo

A.M. Best Rating

A

Complaint Level

Low

» Aetna Health Insurance Review

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The best acupuncturists that accept Medicare include Cigna, Humana, and Aetna, known for their excellent service and extensive network coverage.

As Medicare expands its coverage to include alternative treatments like acupuncture, finding a provider who fits your needs has become easier.

Our Top 10 Company Picks: Best Acupuncturists That Accept Medicare

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	A	Comprehensive Coverage	Cigna
	#2	12%	A	Extensive Network	Humana
	#3	10%	A	Reliable Service	Aetna
	#4	20%	A+	Affordable Plans	Blue Cross Blue Shield
	#5	15%	A+	Wide Acceptance	UnitedHealthcare
	#6	25%	A	Trusted Provider	Liberty Mutual
	#7	20%	A+	Customer Satisfaction	Nationwide
	#8	10%	A++	Military Focus	USAA
	#9	25%	A+	Senior Friendly	The Hartford
	#10	8%	A++	Longstanding Reputation	Travelers

These top companies are recognized for their commitment to quality healthcare and patient satisfaction. Explore our guide to understand how these providers can serve your specific acupuncture needs effectively.

Find the best acupuncturists that accept Medicare for you and near you. Enter your ZIP code and get a free quote today.

#1 – Cigna: Top Overall Pick

Pros

• Multi-Vehicle Discount: Offers a 15% discount for multiple vehicles.
• High A.M. Best Rating: Rated ‘A’ indicating strong financial health.
• Comprehensive Coverage: Provides inclusive insurance options. Learn more in our complete “Cigna Insurance Review & Complaints: Health & Life Insurance.”

Cons

• Limited Discounts Beyond Vehicles: Fewer discounts are available outside of auto policies.
• Comparatively Higher Premiums: Premiums can be higher due to the comprehensive nature of coverage.

#2 – Humana: Best for Extensive Network

Pros

• Multi-Vehicle Discount: Humana provides a 12% discount for multi-vehicle policies.
• Strong A.M. Best Rating: Also rated ‘A’, ensuring financial stability. See more details in our guide titled “Humana Insurance Review & Complaints: Health Insurance.”
• Extensive Provider Network: Wide network of healthcare providers.

Cons

• Higher Costs for Expanded Network: Potentially higher premiums for access to an extensive network.
• Complex Policy Options: A variety of options might confuse less experienced users.

#3 – Aetna: Best for Reliable Service

Pros

• Multi-Vehicle Discount: Offers a 10% discount for multi-vehicle insurance.
• Dependable Financial Rating: Rated ‘A’ by A.M. Best. More information is available about this provider in our “Aetna Insurance Review & Complaints: Health Insurance.”
• Consistent and Reliable Service: Known for reliable customer service.

Cons

• Limited Innovative Options: Fewer new and innovative insurance products.
• Higher Plan Costs: Relatively higher costs for premium plans.

#4 – Blue Cross Blue Shield: Best for Affordable Plans

Pros

• Highest Multi-Vehicle Discount: 20% discount, the highest among the listed companies.
• Superior A.M. Best Rating: Rated ‘A+’, indicating superior financial health.
• Cost-Effective Plans: Known for more affordable insurance options. Read up on the “Blue Cross Blue Shield Insurance Review & Complaints: Health Insurance.”

Cons

• Variable Coverage by State: Coverage and services can vary significantly by state.
• Delayed Claim Processing: Some reports of slower claims processing.

#5 – UnitedHealthcare: Best for Wide Acceptance

Pros

• Substantial Multi-Vehicle Discount: 15% discount on multi-vehicle policies.
• Top-Tier Financial Rating: Rated ‘A+’ by A.M. Best. Check out insurance savings in our guide titled “UnitedHealthcare Short-Term Insurance Review.”
• Broadly Accepted Coverage: Insurance is accepted widely across providers.

Cons

• Inconsistent Customer Service: Customer service quality may vary.
• Complex Benefits Structure: Complex policies that can be hard to navigate.

#6 – Liberty Mutual: Best for Trusted Provider

Pros

• Highest Multi-Vehicle Discount: Liberty Mutual offers a significant 25% discount for multi-vehicle policies.
• Strong Financial Standing: Holds an ‘A’ rating from A.M. Best. Discover more about offerings in our complete “Liberty Mutual Insurance Review & Complaints: Property & Casualty Insurance.”
• Trusted Insurance Brand: Well-established and trusted in the insurance market.

Cons

• Higher Premiums: Can have higher premiums compared to other insurers.
• Limited Customization: Fewer options for plan customization.

#7 – Nationwide: Best for Customer Satisfaction

Pros

• Competitive Multi-Vehicle Discount: 20% discount for multi-vehicle policies.
• Superior Financial Rating: Rated ‘A+’ by A.M. Best. Access comprehensive insights into our guide titled “Nationwide Insurance Review & Complaints: Auto, Home, Health & Pet Insurance.”
• High Customer Satisfaction: Known for high levels of customer satisfaction.

Cons

• Premium Costs: Premiums can be higher, especially for specialized policies.
• Limited Global Reach: Primarily U.S.-focused, less presence internationally.

#8 – USAA: Best for Military Focus

Pros

• Focused Military Discounts: Offers specific benefits and discounts for military personnel.
• Highest Financial Rating: Rated ‘A++’ by A.M. Best, the highest possible. Delve into our evaluation of “USAA Insurance Review & Complaints: Life, Home, & Auto Insurance.”
• Tailored Services for Military and Families: Services specially designed for military needs.

Cons

• Limited Eligibility: Services are restricted to military members and their families.
• Narrower Product Range: Fewer options outside of military-focused products.

#9 – The Hartford: Best for Senior Friendly

Pros

• Generous Multi-Vehicle Discount: Provides a 25% discount for multiple vehicles.
• Top Financial Rating: Rated ‘A+’ by A.M. Best, ensuring excellent financial health.
• Senior-Specific Benefits: Offers benefits and discounts tailored to seniors. Unlock details in our guide titled “The Hartford Insurance Review & Complaints: Car, Life & Business Insurance.”

Cons

• Higher Rates for Non-Seniors: Potentially higher premiums for those not qualifying for senior discounts.
• Focused Demographic: Primarily caters to an older demographic, which might limit options for others.

#10 – Travelers: Best for Longstanding Reputation

Pros

• Dedicated Customer Base: Loyal customers due to longstanding reputation. Discover insights in our guide titled “Travelers Insurance Review & Complaints: Home, Auto & Boat Insurance.”
• Highest Financial Rating: Rated ‘A++’ by A.M. Best, indicating superior financial health.
• Extensive Coverage Options: Offers a wide range of coverage options across different sectors.

Cons

• Lower Multi-Vehicle Discount: Only an 8% discount, the lowest among the companies listed.
• Higher Premiums: Can have higher premiums due to the extensive coverage provided.

Acupuncturists That Accept Medicare Health Insurance Monthly Rates by Coverage Level & Provider

Aetna offers monthly rates ranging from $55 for minimum coverage to $135 for full coverage. Similarly, Blue Cross Blue Shield’s rates are set at $48 and $125 for minimum and full coverage, respectively. Cigna, known for its competitive pricing, provides rates as low as $45 for minimum and $120 for full coverage.

Humana and Liberty Mutual also offer affordable options, with minimum coverage starting at $50 and $47, and full coverage peaking at $130 and $123, respectively. Nationwide and The Hartford offer rates around the middle with $49 and $51 for minimum coverage, and $127 and $129 for full coverage.

Travelers and UnitedHealthcare present rates at $50 and $52 for minimum coverage and $128 and $140 for full coverage. Lastly, USAA offers a slightly lower minimum rate at $46, with full coverage at $122, highlighting its commitment to providing value to its clients. See more details on how to find out if someone has health insurance.

How to Find Acupuncture Near Me That Takes Medicare

Acupuncture is the practice of applying tiny needles to specific areas in the body to relieve pain and restore energy flow. To find the best acupuncturists near you that accept Medicare, there are multiple different websites you can use to access this information. Learn more in our complete “How To Correctly Buy Health Insurance: An Expert Guide.”

One of the most popular websites is ZocDoc. With ZocDoc, you will enter information such as your condition, procedure, or doctor’s name. You will also enter your location, the date you’re interested in, and the type of insurance coverage you have. Once these steps are completed, ZocDoc will configure a list of Acupuncturists near you that accepts Medicare.

Does Medicare Cover Acupuncture

Medicare Part B will cover up to 12 acupuncture visits – within 90 days – for chronic low back pain. The medical community is organizing an effort to help people access non-opioid pain management. Medicare Part B covers two different types of services: medically necessary services and preventive care services.

Medically necessary services include services that are needed to diagnose or treat a medical condition and meet accepted standards of medical practice. Preventive care services prevent illnesses or detect illnesses at an early stage when treatment is most likely to work best. Finding the best primary care doctors who accept Medicare is worth it to have your care covered.

Under Medicare Part B, things that are covered include clinical research, ambulance services, limited outpatient prescription drugs, mental health services, and durable medical equipment.

What Is Chronic Low Back Pain

Chronic low back pain is a pain in your lower back that has been consistent and persistent for at least 12 weeks. This pain does not have any known causes and is not associated with surgery or pregnancy.

Doctor and Health Care Provider Necessary Accreditation

If you have chronic lower back pain and use Medicare Part B to cover acupuncture services, the doctor or health care provider that you see must have the necessary accreditation.

You must get acupuncture from a doctor or health care provider who has both:

1. A Master’s or Doctoral level degree in acupuncture or oriental medicine from a school accredited by the Accreditation Commission on Acupuncture & Oriental Medicine
2. A current, full, active, and unrestricted license to practice acupuncture in the state where care is being provided

When showing improvement while seeing an acupuncturist, an additional eight sessions can be covered by Medicare. No more than 20 sessions are allowed in a year.

You can find out more about health costs with Medicare by reading our guide: What is the maximum out-of-pocket expense with Medicare?

Medicare Acupuncture Fee Schedule 

The 2021 Acupuncture Fee Schedule with Medicare is listed below.

The fees for acupuncture services range based on the type and extent of treatment, with costs varying from basic needle insertions to more complex procedures involving electrical stimulation.

Does Medicare Cover Other Alternative or Adjunct Medicine

Does Medicare cover alternative medicine? Maybe you are not interested in your Medicare covering acupuncture treatment. Medicare does cover other alternative or adjunct medicines: massage therapy, chiropractic therapy, and physical therapy.

As times change, policies will change to support it. With Medicare beginning to cover alternative and adjunct medicines, then hopefully, more health insurance plans will take this on as well. 

Learn more about chiropractors who accept Medicare here: Best Chiropractors That Will Accept Medicare

Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code below for the best insurance rates possible.