How to Check Your Health Insurance Coverage for Integrative Medicine Services

If you're interested in services like acupuncture, chiropractic care, massage therapy, or other complementary, alternative, and/or integrative medicine treatments, it's important to confirm what your insurance plan covers before scheduling care. Here's how you can check your benefits:

  1. Visit Your Insurance Provider's Website
    • Log in to your member portal.
    • Look for sections titled "Benefits," "Coverage," or "Plan Details."
    • Search for specific terms like "chiropractic," "acupuncture," "alternative care," or "complementary and integrative health."
    • Some plans list these services under "rehabilitative" or "specialty services."
  2. Call Customer Service
    • Use the member services phone number on the back of your insurance card.
    • Ask specifically:
      • "Do I have coverage for acupuncture/chiropractic care/massage therapy?"
      • "Do I need a referral or prior authorization?"
      • "Are there any limits on the number of visits per year?"
      • "Are there limits for the conditions or diagnoses that can be treated?"
      • "Are there in-network providers I need to use?"
  3. Check for In-Network Providers
    • Even if a service is covered, using a provider in your insurance network is often required for full benefits.
    • Use the insurer's online directory or ask customer service to help locate approved providers.
  4. Ask About Cost Sharing
    • Confirm any copays, coinsurance, or deductibles that may apply.
    • Ask whether the visit counts toward your out-of-pocket maximum.
  5. Request a Summary of Benefits
    • You can ask your insurer to email or mail a Summary of Benefits and Coverage (SBC) document, which outlines covered services and patient costs.

Health Insurance Providers

Blue Cross and Blue Shield of Minnesota

Member Services: 1-866-356-2422
Hours: Monday–Friday, 7 a.m. – 8 p.m. CT
Home | Blue Cross MN

Medica

Minnesota, North Dakota, South Dakota, and Wisconsin: 1-800-936-6880
Hours: 8 a.m. – 5 p.m. CT
Health Insurance Basics: How to Buy and Enroll | Medica

HealthPartners

Individual, Family, and Group Plans: 1-800-883-2177 (TTY 711)
Medicare Members: 1-877-778-8384 (TTY 711)
Medical Assistance (Medicaid) Members: 1-866-885-8880 (TTY 711)
Insurance plan Member Services and support | HealthPartners

UCare

Customer Service: 612-676-3200 or 1-800-203-7225 (TTY 612-676-6810 or 1-800-688-2534)
Member Center | UCare

Hennepin Health

Member Services: 612-596-1036 or 1-800-647-0550 (TTY 711 or 1-800-627-3529)
Contact us | Hennepin Health

UnitedHealthcare

Medicare Supplement Plans: 1-800-523-5800
Employer-Sponsored Plans: 1-866-801-4409
For Medicare Advantage, Prescription Drug, or Medicaid plans, please call the number on your member ID card.
Contact us | UnitedHealthcare

Optum

For general inquiries, call the customer service number on your ID card.
Medicare Members Reporting Fraud, Waste, or Abuse: 1-800-MEDICARE (1-800-633-4227)
Contact Us | Optum

Sanford Health Plan

Member Services: 1-888-535-4831
Prior Authorization and Utilization Review: 1-800-805-7938
Sanford Health Plan

Essentia Health

Northwest Wisconsin and Northeast Minnesota: 218-786-8364
Eastern North Dakota and Western Minnesota: 701-364-8000 or 1-800-437-4054
Central Minnesota: 218-829-2861
Corporate Headquarters: 218-786-8376 or 1-855-469-6532 
Contact us | Essentia Health

Government Programs

Medical Assistance (MA) / MinnesotaCare

Minnesota Health Care Programs (MHCP) Member Help Desk: 651-431-2670 or 1-800-657-3739
Hours: Monday–Friday, 8 a.m. – 5 p.m. CT
Resources / Annual Health Plan Selection - Department of Human Services

Minnesota Health Care Plans

For specific health plan member services phone numbers, please refer to the Minnesota Department of Human Services contact page.
Health plan member services phone numbers / Minnesota Department of Human Services

Medicare (Original and Supplemental/Advantage Plans)

General Inquiries: 1-800-MEDICARE (1-800-633-4227)
https://www.medicare.gov/about-us/contact-medicare

Other Insurance Types

Aetna

For member services, please refer to the phone number on the back of your member ID card or visit Aetna's contact page.
Aetna Member Services & Contact Options

Workers’ Compensation (Minnesota)

  • Department of Labor and Industry Help Desk: 651-284-5005 (press 3) or 1-800-342-5354 (press 3)
  • Office of Workers' Compensation Ombudsman: 651-284-5013
  • Workers' Compensation Court of Appeals: 651-539-1210

Work comp: Important contacts | Minnesota Department of Labor and Industry

Automobile Insurance

Contact your specific auto insurance provider for member services.

Insurance providers continue to change. Please always check with your insurance for coverage.