Insurance & Affordability Options

SERVING CHICAGO AND NORTH SHORE

Pulling Down the Moon welcomes the opportunity to check your insurance policy

benefits for you, to see if acupuncture is a covered service. Please complete the

verification form below. Once benefits are verified, we will contact you to review your

policy coverage, review your options, and answer your questions.

      • Flex Savings and Health Spending Accounts

        Many flex savings (FSA) and health spending accounts (HSA) allow you to purchase services and supplements at the point of service with their provided debit card. This allows for pre-tax savings. Purchasing a package with your account, can allow you to save and help you avoid losing any unused expenditures at the end of the year!  Please check your account before using to comply with any terms of your specific program.  

      • Financing Options

        Be empowered with fertility financing options!  Pulling Down the Moon works with emBorrow, an affordable fertility financing company started by fertility patients. EmBorrow offers financing at rates much lower than your credit card (many times half the cost) and customize payment plans that work for you! They believe in the importance of holistic care and community. 

        • Borrowing rates that are, in general, 50% the APR of credit cards!
        • Special rates available for PDtM patients
        • The ability to choose payment terms that fit your budget
        • The ability to use funds toward holistic treatments that are not covered by other fertility-financing programs 
        • A commitment to client-centered care and attention from people who've been there and get it 

        Please visit emBorrow.com, call 1-866-3EMBRYO (36-2796), send an email to information@emborrow.com or complete the application at the kiosk in center to discover better fertility financing!     

      • Insurance

        NOT YET A CLIENT: Click the Insurance Verification Form to submit your information.  


        CURRENT CLIENTS: Please update your current insurance policy in your Jane App profile.


        Please allow 3-5 business days to complete a complimentary verification. 

      • FAQ

        Frequently Asked Questions


        Q: Who can help me with insurance questions?

        A: For questions related to insurance or billing, please email billing@pullingdownthemoon.com.


        Q: How much will I be charged for a visit when using my insurance?

        A: Charges are determined by each insurance company.  We submit a claim with the services provided and the conditions treated.  Insurance companies respond with an Explanation of Benefits (EOB), where they list the charge amount, how much the insurance company will pay, and how much the patient’s financial responsibility will be.


        Q: Do you accept HSA and FSA payments?

        A: Do you accept HSA and FSA payments?

        Yes, we accept HSA and FSA payments for acupuncture and other services as allowed by your plan description.


        Q: Do you accept Medicare or Medicaid?

        A: Unfortunately, we are not able to accept Medicare or Medicaid at this time.


        Q: Which plans are you in network with?

        A: We are currently in network with Blue Cross Blue Shield and United Healthcare for acupuncture services.


        Q: Which plans are you out of network with?

        A: We accept but are out of network with Aetna and Cigna.


        Q: I have an HMO plan.  Do you accept HMO plans?

        A: HMO plans require a referral from your Primary Care Provider. Please check with your Primary Care Provider for referral and coverage information.


        Q: Who do I contact with questions about my charges or amount due?

        A: For questions about charges or your bill, please email billing@pullingdownthemoon.com.


        Q: How do I get a superbill or documentation for my HSA/FSA account?

        A: To get a superbill or documentation for your HSA/FSA account, please email billing@pullingdownthemoon.com.


        Q: I have an out of network plan. How much will I pay?

        A: For out of network plans, your insurance company will determine the charges for each visit based upon their fee schedules.  We will not know this amount until we submit a claim and receive an Explanation of Benefits in response.


        Q: What conditions are covered by insurance for acupuncture?

        A: This varies by policy, which is determined by your employer and the insurance company. When we verify your insurance benefits for acupuncture services, we ask whether your policy has restrictions or limitations on conditions covered. Two people may both have BCBS, for example, but their individual policies may have different coverage.


        Q: Can my acupuncturist add or change my conditions so that my bill is covered by insurance?

        A: No, the conditions and diagnosis codes are determined by what the acupuncturist documents in your medical record on the day of your appointment. It is important at every visit that you and your acupuncturist discuss the conditions for which you are seeking services. This may not be the same every visit.


        Q: Do you bill insurance for massage services?

        Unfortunately, we cannot bill insurance directly, however we can provide you with a superbill and you can submit a claim yourself. 


        Q: Do you bill insurance for nutrition counseling?

        Yes, we can verify your benefits to see if your policy has coverage for nutritional services.  Please email billing@pullingdownthemoon.com to start this process.

      • Cancellation & Late Arrivals Policies

        Cancellations: We understand that life happens. If you need to cancel or reschedule your appointment, please do so no later than 2PM the day prior. Cancellations made after this time or failure to attend without notice will result in a charge of 50% of the service fee to the credit card on file. No exceptions.


        Late Arrivals: If you arrive more than 10 minutes late for your visit, we reserve the right to reschedule your appointment for another time. No exceptions.

      • Packages for Savings

        We offer acupuncture, massage, and combination packages that significantly decrease the per session cost of treatment. Ask us about all the packages available! 



      • Bonus tip - Check out our Freebies!

        We offer a lot of free content for our patients including access to: 


        Blog Resources

        • Blog topics on all the fertility questions you want answered! 

        Classes and events  

        • Events with our highly trained staff including free yoga classes, acupuncture seminars, and more! 
        • Free webinars that you can enjoy from the comfort of your own home or register to download and watch at your convenience.

      Financing through Pulling Down the Moon and Emborrow

      Pulling Down the Moon patient Kati Deutschle and her husband Sebastian realized through their own journey that there was a hole in the fertility market. Patients desperate to have babies were leveraging a lot financially to obtain the medical and holistic treatments they believed could help. Pulling Down the Moon is also sensitive to the fact that holistic medicine is a commitment and that the greatest success is often achieved over time with regular and ongoing treatments.


      We know that in many cases, patients use credit cards, high interest loans or deplete savings to pay for treatments. That’s why we were thrilled to partner with Kati and Sebastian on their new financing company, Emborrow, that has been created specifically for the fertility patient.


      We are launching our partnership by offering small loans for holistic services and packages over $999. Our hope is that, together, we provide financially attainable ways for all couples to incorporate holistic therapies into their fertility journey whether they choose to do so alongside medical treatment or as a completely “natural” path toward having a baby help enhance conception rates as well as treat the stress and emotional struggles of the process in a way that is financially attainable for all couples.

      Be One Of Our First Partners

      Pulling Down The Moon Is Proud To Be One Of Their First Partners. For A Short Time Only, We Are Providing This Amazing Offer:

      Lower Financing Rates

      Attractive rates for financing over 12-months on any loan over $999

      No credit checks to qualify for the loan

      Monthly payments may be as low as $89 per month. Longer terms available beyond 12 months at a rate of 8.99% after the promotional term

      The application process takes about three minutes and your response will usually be within a day or two.

      APPLY NOW

      Learn More About Emborrow

      If you are in our River North center, an application kiosk can be found near the front desk. While we will continue to offer credit card payment plans, we want you to know there is now another option to help you afford some of our most comprehensive packages with zero percent interest for 12-months.

      LEARN MORE

      Our Patients Testimonials