Insurance

Many of third-party insurance companies offer full or partial coverage for acupuncture(including cupping therapy),  massage therapy.

Oriental Ensure Acupuncture Massage Clinic offers direct billing to most insurance companies with a few exceptions.Jarry(T.Ac/RMT) doesn't offer direct billing and also some insurance policy may prefer that you submit your invoices directly to them using their app/website portal. Your invoice will be provided to you and you can submit your claim online or by mail. Please call us at (416) 800 3978 if you have any questions or concerns.

Below are some of the insurance companies that cover our services. This is not an inclusive list. We ask that you please check with your insurance provider directly for the details of your benefits, including deductibles, co-pays and/or if a prescription is required.

                              

Will I ever have to pay up front?

3 cases that you have to pay upfront:

1. If your plan only covers a portion of the visit (i.e. 80%) you will have to pay the difference to the clinic,
2. If your company does not do Direct Billing at all or for specific types of services (so call your insurance company to find out if you not sure)
3. If it’s the first time using Direct Billing Services the Insurance Company sometimes blocks the first transaction because they want to make sure a real person can verify that it’s legitimate.  This does mean that you will have to pay up front on your first visit, but it usually clears up for follow-ups. 

Common Questions to ask your Insurance Company:

Being prepared for direct billing before you come in for your first visit for is always a good idea.  Do to privacy issues, you are the only one who can ask about your plan!  Plan to make a quick phone call and ask the following questions:

1. What is my coverage period?
2. What Categories am I covered for? Acupuncture or Massage therapy etc.
3. Do I have an annual deductible?
4. What are my maximums for each category?  (dollar amount)
5. Up to what amount is covered per each visit?  Is it different for initial visits versus follow-ups?
6. Do I need a referral from an MD to obtain any of these services?
7. Do I have separate “health spending account” or “fitness account” that can be used for other health care services not listed above?