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In-Network vs. Out-of-Network Acupuncture: What You Need to Know
- Robert Collazo
- May 16
- 3 min read
If you’re considering acupuncture for pain and other health issues, you may be asking: “Should I go to an in-network or out-of-network acupuncturist?”
This is a common and important question, especially if you plan to use your insurance. Let’s explore the differences so you can make the best choice for your needs, budget, and care preferences.
What Is In-Network?
In-network means the provider has a contract with your health insurance company. These agreements set fixed rates and typically require providers to follow specific insurance rules and billing practices.
✅ Pros:
Lower copays or coinsurance
Billing is handled by the provider
May apply directly to your deductible
❌ Cons:
Often shorter, less individualized appointments
Higher patient volume (multiple people treated at once)
May require a referral or pre-authorization
Care can be limited by insurance company rules
💡 Smart questions to ask in-network clinics:
“How many patients do you see per hour?”
“Will I be treated entirely by a licensed acupuncturist?”
What Is Out-of-Network?
Out-of-network refers to providers who aren’t contracted with your insurance. You pay at the time of service and then submit a receipt—called a Superbill—to your insurance for potential reimbursement.
Many patients prefer this route for the freedom and personalization it offers.
✅ Pros:
More one-on-one time with your provider
Flexible, tailored care plans without insurance restrictions
Superbills are provided so you can file for reimbursement
Some out-of-network clinics may submit claims for you (though not all)
❌ Cons:
Payment is due at the time of service
Reimbursement depends on your insurance plan
You are responsible for submitting your claims (unless the clinic offers help)
📝 Note: At Restorative Care Acupuncture & Health, we do not submit claims, but we will provide all the necessary paperwork to make self-claims as simple as possible.
What Do In-Network Clinics Usually Charge Insurance?
In-network acupuncture clinics typically bill between $80 and $200+ per session, depending on services and region. While your copay might be small, the full amount billed may still apply toward your deductible.
Out-of-network clinics often offer clear, flat-rate pricing (e.g., $100 per session), which some patients prefer for transparency and predictability.
Questions to Ask Your Insurance Company
To make the most of your benefits, ask your insurance provider the following:
What are my in-network and out-of-network acupuncture benefits?
What is my deductible, and how much have I met?
What is the reimbursement rate for out-of-network services?
Do I need a referral or pre-authorization?
How many acupuncture visits are covered annually?
Out-of-Network Acupuncture in Miami: A Thoughtful Alternative
At Restorative Care Acupuncture & Health in Miami, we are an out-of-network acupuncture clinic focused on providing high-quality, individualized care, free from the constraints of insurance networks.
We treat one patient at a time—no group rooms
Our standard session is $100
We provide Superbills to help you seek reimbursement
You’re always seen by a licensed, experienced acupuncturist
While we don’t submit insurance claims on your behalf, we make it easy for you to submit them yourself.
Restorative Care Plans: Save on Ongoing Care
For patients committed to regular treatment, we offer Restorative Care Plans with:
Reduced rates
Monthly or prepayment options
Priority booking for members
These plans help make holistic care more affordable and consistent.
Final Thoughts
Choosing between in-network acupuncture in Miami and out-of-network acupuncture in Miami depends on what matters most to you: cost, convenience, or quality of care.
If you're looking for focused, one-on-one treatment with fewer restrictions, out-of-network care, like what we offer at Restorative Care Acupuncture & Health, may be the right fit for you.
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