Insurance

We accept most insurance, including health, auto and worker’s compensation insurance.

Health Insurance
If you have health insurance, acupuncture may be covered under your plan. If it is covered, you should take advantage of that benefit. Many group insurance plans have acupuncture benefits. If your plan is a PPO or POS plan, you may have coverage.
Some of the most popular plans include:

  • Anthem Blue Cross
  • United HealthCare
  • Cigna HealthCare
  • Blue Shield of California
  • BlueCross BlueShield
  • Aetna
  • Heath Net PPO
  • PacifiCare PPO
  • American Life Insurance Co. (ALICO)
  • Connecticut General Life Insurance Co.
  • Guardian
  • One Health Plan

Blue Shield of California: we are in-network. You just pay copay does not matter whom you want to see.

Medicare and Medi-Cal: we do NOT accept Mediare and Medi-Cal.

 

Dr. Huifang Zhao is a contracted providers of:

  • Cigna HealthCare
  • Clarispointe
  • CorVel
  • Metracomp-FOCUS Healthcare Management

Insurance plans are complicated, and we know the exact questions to ask the insurance representatives. So we recommend you give us your insurance information and let us contact your insurance.

In-Network or Out-of-Network Provider:
Most health insurance companies do not pay In-Nework acupuncturists fairly, so most experienced acupuncturists are Out-of-Network providers with most health insurance companies because they do Not contract with them. If you want to have good acupuncture service with good result and you want to see an experienced acupuncturist, you will probably end up see an out-of-network provider. Seeing an out-of-network acupuncturist not necessarily mean you will for sure pay more than you would see an In-Network acupuncturist. In many cases, you may pay the same or even less. It depends on the acupuncture benefit of your health plan.

At our clinics, we have acupuncturists are in-network or out-of-network of many health insurance companies. You can choose whom ever you want.

Since insurance plan are very complicated and the coverage is very different, we strongly recommend you to fill out the contact us page fill out the form and submit it to us and we can help you to verify the insurance benefit for you and we will give you our recommendation based your benefit.

Auto Insurance
We also accept automobile insurance medical coverage (Med Pay). Med Pay pays 100% of necessary medical care for injuries sustained in automobile accidents, regardless of fault. Call your carrier to see if this benefit is included in your policy, or let us check for you. We also accept lien cases if you already have a lawyer taking care of your case.

Workers Compensation Insurance
Workers Compensation insurance covers 100% of necessary medical treatment for injuries resulting from one’s occupation. If you have an open Workers Comp claim, or believe that your condition arose as the result of your occupation, you may have benefits. Please contact us. We will instruct you on how to get the referral from your primary physician and authorization from your adjuster.