Scheduling & Payment Information
Care that fits your life, your needs, and your benefits.
At Sunflower Bloom Acupuncture & Healing Arts, we want scheduling and payment to feel as clear and simple as possible. Whether you are using self-pay, health insurance, HSA/FSA funds, out-of-network benefits, or an auto accident claim, this page will help you understand your options before your first visit.
All patients, new and existing, have access to our online schedule through Jane. You may schedule your appointment online at any time.
Scheduling your Appointment
New patients will be prompted to create an account through Jane, our secure online scheduling and electronic health record system.
A credit card, debit card, HSA card, or FSA card is required to hold your appointment. Your card information is securely stored and encrypted in Jane. Your card will not be charged until after your appointment unless a cancellation or no-show fee applies.
If you are using health insurance or an auto accident claim, a card is still required on file for any patient responsibility, including co-pays, co-insurance, deductibles, non-covered services, or cancellation/no-show fees.
Scheduling FAQ
Do I need to create an account before scheduling?
Yes. New patients will create an account through Jane when booking their first appointment.
Why do I need to keep a card on file?
A card on file holds your appointment and may be used for co-pays, co-insurance, deductibles, non-covered services, self-pay balances, or cancellation/no-show fees.
Will my card be charged when I book?
No. Your card is securely stored and is not charged until after your appointment unless a cancellation or no-show fee applies.
Can I schedule online if I am using insurance?
Yes. You may schedule online, but please review the insurance information below before your first visit.
Self-Pay
Self-pay is available for patients who do not have acupuncture benefits, prefer not to use insurance, or are receiving services that are not covered by their plan.
The prices listed online reflect a time-of-service discount.
Payment is due at the time of your appointment.
We accept credit cards, debit cards, HSA cards, and FSA cards.
Treatment packages are available for patients who would like to save by committing to a series of visits.
Current acupuncture package options:
5 Acupuncture Treatments Package (including Initial Consultation + Treatment) $527.25
5 Follow-Up Acupuncture Treatments: $475
10 Follow-Up Acupuncture Treatments: $950
15 Follow-Up Acupuncture Treatments: $1,395
Self-Pay FAQ
Who is self-pay best for?
Self-pay is a good option if you do not have acupuncture benefits, have a high deductible, are out-of-network, or prefer not to use insurance.
Do I have to buy a package?
No. Packages are optional.
Can I use my HSA or FSA card for self-pay visits?
In many cases, yes. Please check your specific HSA/FSA plan for eligible services.
Are packages refundable or transferrable?
Packages are non-refundable or transferrable, and are only useable toward eligible future acupuncture visits.
Self-Pay Senior Discount
Sunflower Bloom is not a Medicare provider. However, we offer a 10% senior discount and special package pricing for patients age 65 and older.
Senior package options:
5 Follow-Up Acupuncture Treatments: $450
10 Follow-Up Acupuncture Treatments: $900
15 Follow-Up Acupuncture Treatments: $1,350
Senior Discount FAQ
Do you accept Medicare?
No. Sunflower Bloom Acupuncture & Healing Arts is not a Medicare provider.
Can I use Medicare Advantage benefits?
Please contact your plan directly. Some Medicare Advantage plans may offer acupuncture benefits, but we are not a Medicare provider and cannot bill Medicare.
Who qualifies for the senior discount?
Patients age 65 and older qualify for the senior self-pay discount.
Can I combine the senior discount with insurance?
No. Discounts and package pricing apply to self-pay visits only.
HSA & FSA Payments
Health Savings Account and Flexible Spending Account funds may be used for many eligible health-related services, including acupuncture. Some plans may also allow HSA/FSA funds to be used for massage, cupping, craniosacral therapy, or other services.
Please check your specific plan for eligible services and limitations. We can provide a detailed receipt for your records if needed.
HSA/FSA FAQ
Can I use my HSA or FSA card at my appointment?
Yes, if your plan allows it.
Can I use HSA/FSA funds for massage?
Some plans allow this, and some do not. Please check your plan before scheduling.
Can you provide a receipt?
Yes. We can provide a detailed receipt for your records.
What happens if my HSA/FSA card is declined?
Another form of payment will be required at the time of service.
In-Network Health Insurance
Sunflower Bloom Acupuncture & Healing Arts is currently in-network with:
Allina Aetna Network
UnitedHealthcare
UMR
Surest
Some Medica plans through Optum/UHC
We are not a Medicare provider.
Insurance coverage varies significantly by plan. Being in-network does not guarantee that acupuncture is covered under your specific benefits.
Before your first visit, please call the Member Services number on the back of your insurance card and ask about your acupuncture-specific benefits.
Helpful questions to ask your insurance company:
Do I have acupuncture benefits?
Is Sunflower Bloom Acupuncture & Healing Arts in-network with my specific plan?
Is my main complaint or diagnosis covered?
Do I have a deductible that must be met first?
Do I have a co-pay or co-insurance?
How many visits are allowed per year?
Do I need prior authorization or a referral?
Are there any diagnosis restrictions or plan limitations?
If your plan qualifies, we will bill your insurance directly. Any patient responsibility, including co-pays, co-insurance, deductibles, or non-covered services, will be collected from the card on file.
In-Network Insurance FAQ
If you are in-network with my insurance company, does that mean my visits are covered?
Not always. Coverage depends on your specific plan. Some plans cover acupuncture, some limit coverage to certain diagnoses, and some do not include acupuncture benefits at all.
Will you verify my benefits for me?
We may be able to check basic eligibility, but patients are responsible for understanding their own benefits and plan limitations.
What if my insurance denies the claim?
If your insurance denies the claim or determines the service is not covered, the balance becomes the patient’s responsibility.
What if I have a deductible?
If your deductible has not been met, your insurance may process the claim toward your deductible and you may be responsible for the contracted rate.
What if my plan requires a referral or prior authorization?
It is the patient’s responsibility to obtain any required referral or authorization before treatment.
Do you accept Medicare?
No. We are not a Medicare provider.
Do you accept Blue Cross Blue Shield, HealthPartners, Cigna, or other plans?
At this time, those plans are considered out-of-network unless otherwise confirmed.
Out-of-Network Health Insurance
If Sunflower Bloom is not in-network with your insurance plan, you may still be able to use out-of-network acupuncture benefits.
For out-of-network visits, full payment is collected at the time of service. We can provide a detailed superbill that you may submit to your insurance company for possible reimbursement.
Before your first appointment, please contact your insurance company and ask about your out-of-network acupuncture benefits.
Helpful questions to ask:
Do I have out-of-network acupuncture benefits?
Is acupuncture covered for my main complaint or diagnosis?
Do I have an out-of-network deductible?
What percentage is reimbursed after my deductible is met?
Are there visit limits or dollar limits?
Do I need a referral or prior authorization?
How do I submit a superbill?
What is the expected reimbursement timeline?
Out-of-Network Insurance FAQ
Do you bill out-of-network insurance directly?
No. Payment is due at the time of service. We can provide a superbill for you to submit to your insurance company.
What is a superbill?
A superbill is a detailed receipt that includes the information your insurance company may need to process an out-of-network reimbursement request.
Does a superbill guarantee reimbursement?
No. Reimbursement depends on your plan benefits, deductible, diagnosis coverage, and insurance company policies.
How long does reimbursement take?
This varies by insurance company. Some plans process reimbursement within a few weeks, while others may take longer.
Can I use my HSA/FSA card while waiting for reimbursement?
Usually, yes, if your plan allows acupuncture as an eligible expense.
What if my insurance does not reimburse me?
The payment remains your responsibility. Sunflower Bloom cannot guarantee out-of-network reimbursement.
Auto Accident Claims
Sunflower Bloom Acupuncture & Healing Arts accepts auto accident claims for acupuncture treatment related to injuries from a motor vehicle accident.
Acupuncture may be helpful after an auto accident for concerns such as neck pain, back pain, headaches, migraines, muscle tension, nerve pain, stress, sleep disruption, and nervous system dysregulation.
In Minnesota, many auto accident medical claims are handled through no-fault or Personal Injury Protection benefits. Coverage depends on your specific auto insurance policy, claim status, accident details, and whether treatment is considered reasonable, necessary, and related to the accident.
Before scheduling under an auto accident claim, please gather the following information:
Auto insurance company name
Claim number
Date of accident
Adjuster’s name
Adjuster’s phone number
Adjuster’s email or fax number
Attorney information, if you are represented
Any relevant medical records, imaging, or referral information, if available
If you have questions, please book a free consultation before your first appointment so we can confirm that we have the information needed to submit claims properly.
Auto Accident Claims FAQ
Do you accept auto accident claims?
Yes. We accept auto accident claims for eligible accident-related acupuncture treatment.
Do I need to pay at the time of service?
This depends on the status of your claim and the billing arrangement. In many cases, claims may be billed to the auto insurance company. If the claim is denied, exhausted, closed, or not eligible, the balance may become the patient’s responsibility.
Do I need a referral?
A referral is not always required, but some claims may require documentation from a medical provider. If you have a referral, imaging, chart notes, or a treatment plan from another provider, please bring it with you.
What conditions can acupuncture help after an accident?
Acupuncture is commonly used for neck pain, back pain, headaches, migraines, shoulder pain, hip pain, nerve pain, muscle tension, stress, sleep issues, and overall nervous system support after trauma.
Will auto insurance cover acupuncture?
Coverage depends on your specific claim, policy, and whether the insurance company determines care is related to the accident and medically necessary.
What if I have an attorney?
We prefer that you are working with an attorney. Please provide your attorney’s name and contact information before your first visit.
What if my claim is denied or my benefits run out?
If your claim is denied, closed, exhausted, or does not cover acupuncture, you may be responsible for payment.
Can I use health insurance instead of auto insurance?
In many auto accident cases, auto insurance is billed first. If auto benefits are unavailable or exhausted, health insurance may be considered depending on your plan and situation.
Questions About Payment or Insurance?
Insurance and accident claims can feel confusing, and every plan is different. We are happy to answer general questions about billing, superbills, and the information needed for your appointment by email at [email protected]
For specific benefit details, coverage limits, claim decisions, or reimbursement amounts, please contact your insurance company directly.
