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Insurance & payment

Understanding your options.

We accept several insurance plans for pain conditions and welcome self-pay patients for our full range of care.

Insurance coverage

What insurance pays for.

In-network eligible

Pain management & nausea

  • Back pain, neck pain, sciatica
  • Arthritis and joint pain
  • Muscle pain and cramping
  • Postoperative pain
  • Migraines and headaches
  • Nausea and vomiting

These conditions may be covered when treated by an in-network provider.

Self-pay

Everything else Dr. Cen treats

  • Fertility and reproductive health
  • Perimenopause and menopause
  • Digestive disorders
  • Anxiety, depression, insomnia
  • Hormonal balance
  • Chronic fatigue and immune support
  • Cancer survivor recovery
  • Healthy longevity and prevention

These conditions represent the deepest part of Dr. Cen’s 20 years of practice.

Insurance companies recognize acupuncture for pain and nausea only. Dr. Cen’s expertise extends far beyond what insurance defines.

Accepted plans

In-network providers.

  • Cigna
    Direct (provider portal)
    Verified directly on Cigna’s provider portal.
    Active
  • ASH Link network
    Via ASH Link platform
    Includes plans administered through American Specialty Health.
    Active
  • Blue Shield of California
    Via ASH Link
    Currently accepted — contact us to confirm current status.
    Transitioning
  • Workers’ Compensation
    Authorization via fax
    Authorization required before first visit.
    Active
Not currently in-network
United Healthcare, Anthem Blue Cross, Aetna

If you have one of these plans, you may still see Dr. Cen as a self-pay patient and submit a super bill for potential reimbursement.

Self-pay

Why patients choose to pay directly.

  1. 1. Access to Dr. Cen’s full expertise

    Insurance limits treatment to pain conditions. Self-pay lets Dr. Cen treat the whole picture — fertility, hormones, digestion, mental health, and more.

  2. 2. No referrals, no pre-authorization

    Start with a simple inquiry. No waiting for insurance approval, no referral paperwork, no treatment limits per year.

  3. 3. Flexible, unhurried care

    Without insurance constraints on visit count or duration, Dr. Cen can design your treatment plan around what you actually need.

Ask about self-pay

HSA and FSA receipts

If you plan to use Health Savings Account (HSA) or Flexible Spending Account (FSA) funds, confirm acupuncture coverage with your plan administrator. Time Extend Acupuncture can provide itemized receipts and super bills for your records.

Check your specific HSA/FSA rules before assuming reimbursement.
Out-of-network patients

What is a super bill?

A super bill is a detailed receipt that Dr. Cen provides after your visit. You submit it to your insurance company for potential reimbursement — even if Dr. Cen is not in your plan’s network.

Reimbursement amounts vary by plan. Contact your insurer to ask about out-of-network acupuncture benefits before your first visit.

  1. Pay at your visit
    Self-pay rate for your treatment.
  2. Receive your super bill
    Dr. Cen generates a detailed receipt with CPT codes through Unified Practice after each visit.
  3. Submit to your insurer
    File the super bill with your insurance for potential reimbursement.

Bringing insurance?

Enter your provider on the inquiry form and bring your insurance card to the first visit. If card photos are needed earlier, Dr. Cen will request them by follow-up.

New patient inquiry
Next step

Ready to begin?

Send a quick inquiry. Dr. Cen will follow up to discuss your care and payment options.

New Patient InquiryContact us