As the final Blog in our “Most Frequently Asked Questions about Acupuncture series, today we will explore the possible cost of treatment with this holistic modality. Acupuncture is gaining popularity as more people look for natural ways to treat pain, anxiety, digestive issues, fertility problems, and more. Most people wonder:
“How much does acupuncture cost, and will my insurance cover it?”
The good news is that acupuncture is more accessible than ever. However, costs can vary based on several factors, including where you live, the experience of your acupuncturist, and whether your insurance plan offers coverage. Let’s break it down so you can understand what to expect when it comes to acupuncture pricing and insurance options.
What Is the Average Acupuncture Cost?
Here’s a breakdown of typical pricing so you know what to expect before your first visit.
Initial Consultation and First Treatment
- The first acupuncture session usually costs between $80 to $150.
- This session typically includes a detailed intake, health history review, and your first treatment.
- Some clinics charge a separate consultation fee (around $25-$50), while others include it in the first session price.
Follow-Up Sessions
- Follow-up visits generally cost $60 to $100 per session, depending on the practitioner and location.
- Sessions usually last 45-60 minutes, with shorter “maintenance” sessions sometimes offered for $40-$70.
Factors That Influence Price
Several key factors can impact how much you’ll pay for acupuncture, from location to the style of clinic you choose.
Location
Major cities like New York, Los Angeles, and San Francisco tend to have higher rates ($100-$150 per session) compared to smaller towns ($60-$90 per session).
Experience of Practitioner
Licensed acupuncturists with advanced training or specialties (e.g., fertility, sports medicine) may charge on the higher end.
Type of Practice
Private practices charge more for personalized, one-on-one sessions.
Community acupuncture clinics offer sliding scale fees, usually $25 to $50 per treatment, in a group setting to keep costs lower. Keep in mind that these may not be tailored treatments. In other words, a group may be geared towards weight loss or anxiety reduction. You might remain fully clothed and only have a few specific points needled.
Does Insurance cover Acupuncture?
Acupuncture coverage is becoming more common, but it varies widely depending on your insurance provider and plan details.
Private Insurance
More insurance companies are recognizing the value of acupuncture, especially for treating pain conditions. However, coverage can vary significantly based on your plan.
- Some plans cover acupuncture for conditions like chronic pain, back pain, migraines, or nausea.
- Many plans have limits, such as:
- A cap on the number of sessions per year (e.g., 10 or 20 sessions)
- Coverage only for specific diagnoses
- Requirement for referral from a doctor
- Always check with your insurance provider before booking. Ask:
- Is acupuncture covered under my plan?
- Are there specific conditions required for coverage?
- How many sessions per year are allowed?
- Do I need pre-authorization or a referral?
Medicare
- Since 2020, Medicare has covered acupuncture for chronic low back pain—up to 12 sessions within 90 days, with a possible extension to 20 sessions per year.
- Medicare Advantage (Part C) plans may offer expanded coverage, including treatments for other conditions.
- Important: the acupuncturist must be Medicare-approved to bill directly.
Medicaid
- Medicaid coverage varies by state.
- Some states (e.g., California, New York, Oregon) offer limited acupuncture coverage for certain conditions, while others do not cover it at all.
- If you have Medicaid, contact your state’s Medicaid office or managed care provider for specifics.
Veterans Affairs (VA)
- The VA healthcare system offers acupuncture services at some VA clinics or through community care referrals.
- Veterans can ask their VA primary care provider about eligibility and referrals for acupuncture.
Tips for Using Insurance for Acupuncture
- Verify Provider Participation: Not all acupuncturists accept insurance directly. You may need to:
- Use an in-network provider, or
- Pay out of pocket and request a superbill to submit for reimbursement.
- Know the Codes: The most common insurance billing codes for acupuncture are 97810 (initial treatment) and 97811 (follow-up treatment). Some plans also cover electro-acupuncture or manual therapy.
- Keep Documentation: Save receipts, diagnosis codes, and referral letters if required by your insurance.
- Call Your Insurance: Use their benefits line or online portal to get clear answers before starting treatment.
Are There Affordable Options if Insurance Doesn’t Cover It?
Yes! There are ways to make acupuncture more affordable, even without insurance.
Community Acupuncture Clinics
- Offer group treatments in open rooms.
- Prices usually range from $25 to $50 per session.
- Sliding scale fees make it accessible to more people.
Package Deals
- Many private clinics offer discount packages such as buy 5 sessions, get 1 free or discounted rates for pre-paid packages.
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
- Acupuncture is an eligible medical expense for FSA and HSA accounts.
- Even if your insurance doesn’t cover it, you can use pre-tax dollars to pay for sessions.
Student Clinics
- Acupuncture schools often have student-run clinics with low-cost treatments, typically $25-$50 per session under the supervision of licensed professionals.
Is Acupuncture Worth the Cost?
For many people, the answer is yes. Acupuncture is a drug-free, low-risk therapy that can effectively treat:
- Chronic pain
- Headaches and migraines
- Stress and anxiety
- Sleep problems
- Digestive issues
- Fertility challenges
- And more
In many cases, acupuncture reduces the need for medications, offers long-lasting relief, and improves quality of life, making it a worthwhile investment in your health.
Learn How Acupuncture Works
Quick Reference Guide
| Service | Typical Cost | Insurance Coverage |
| Initial Consultation + Treatment | $80 – $150 | Sometimes covered if medically necessary |
| Follow-up Session | $60 – $100 | Often limited to certain diagnoses |
| Community Acupuncture | $25 – $50 | Rarely covered, but affordable |
| Medicare (chronic back pain) | Covered (up to 20/year) | Specific to chronic low back pain |
| Medicaid | Varies by state | Limited availability |
| Veterans (VA) | Covered in some cases | Referral required |
| FSA/HSA Eligible | Yes | Can use pre-tax dollars |
Final Thoughts
Acupuncture can be an affordable and effective option for managing a variety of health concerns. While insurance coverage is improving, it remains inconsistent, so it’s always important to check your individual plan and understand the out-of-pocket costs.
Whether you use insurance, an FSA/HSA, or take advantage of community clinics, acupuncture offers a natural, holistic approach to health that many people find worth the investment. With more insurers recognizing its benefits, accessibility continues to improve.
If you’re curious about acupuncture, the best next step is to call your local clinic, ask about pricing, and discuss your goals with a licensed acupuncturist.
