Accepted Insurances

YES we accept and are in-network with ALL major health insurance companies.

There are a few particular exceptions we have discovered wherein we are considered out of network with a particular plan, despite being contracted with the insurance: Moda’s Beacon insurance and Regence’s Legacy insurance are the two we have discovered.

Oregon Health Plan: We do accept CareOregon, Providence OHP and Kaiser OHP.
Medicare: Medicare is beginning to cover acupuncture for low back pain. Supplemental insurance plans are covering acupuncture for more medical conditions. Please call your insurance and our office to check for network participation with supplemental Medicare insurance plans.

We are in-network with:

• Kaiser & CHP

• Providence

• Moda (except the Moda Beacon Network)

• First Choice Health Network

• Regence Blue Cross (except the Regence Legacy Network)

• Aetna

• Cigna

• Pacific Source

• Lifewise

• United Health Care (UHC)

• CareOregon (OHP)

• UMR

• Health Net

• Healthcare Management Administrators (HMA)

• US Benefits

• Oregon Health Plan

We accept auto insurance - no referral necessary for acupuncture services. 
We accept worker's compensation - referral is necessary for acupuncture services.

Understanding Insurance Coverage

You are responsible for knowing your acupuncture coverage under your own plan.  We will verify your benefits but do not rely solely on us to ensure you are covered.

Please be aware that some insurance plans will determine your coverage based not only on the treatment and services provided, but based on the condition you are being seen for. Many insurance companies, for instance, will only cover acupuncture for pain-related diagnoses. For this reason, patients who see us for mental health or fertility services may be self-pay if they are not also being treated for present bodily pain.

How to Check Your Insurance Benefits

You can use this page and the questions below to verify your own insurance coverage. We recommend keeping a copy for your own records. You are welcome ot provide a copy of these answers to our front desk as well.

Remember to call your insurance company at least 24 hours in advance of your appointment. If you are checking your benefits for more than one service, you may want to print multiple copies of this page.

Call the customer service number on the back of your insurance card. Ask for benefits/eligibility. Tell the phone representative that you’re calling to check on your personal insurance benefits. 

Then ask the following:

• Do I have coverage for Acupuncture?

  • Yes/No

  • Remember: If a service isn’t covered by your insurance, we offer discounted cash rates to those who pay on the day of service.

• Is Tanya Love, Robert Love, or Love Acupuncture & Wellness Group in network with my plan?

  • Yes/No

• If we are not in network, ask: Do I have out-of-network benefits? 

  • Yes/No

• Do I have a deductible to meet first, in regard to this service? 

  • Yes/No

  • If Yes, How much is it? $ ___________

• If I do have a deductible to meet first, how much of my deductible do I still have to meet this year? 

  • $ ___________

  • This is the amount you will pay out of pocket this year before services are covered. The amount is renewed each year.

• What is the date my insurance policy renews each year? 

  • ____________

• What is my co-pay or co-insurance? 

  • ___________

• Do I have an additional copay for an office visit?

  • ___________

  • If you have a deductible, this must be met before the co-insurance applies.

• Is a referral required from my primary care physician? Is any other pre-authorization required? 

  • Yes/No ____________________________________________________________________________________

• Do I have a maximum number of visits, or a maximum dollar amount for this service each year

  • Yes/No ____________________________________________________________________________________

Write down the name of the representative that assisted you: ________________________________ 

Ask for and record a call reference number (which is how insurance companies document information provided to callers): _______________________

His/her direct phone number: ___________________________ Date/Time Called: _________________