At Natural Fertility of Tampa, we believe there is hope available to you, at a cost you can afford.  It is a reasonable estimation that if you are reading this page, you or someone you know is having some reproductive difficulty.  But what options are available?  Western reproductive medicine is unaffordable to the average couple or individual at an average cost of $12,000 per single IVF (In-Vitro Fertilization) cycle and a success rate of 9-46%.  The cumulative costs are unrealistic since many cannot come up with the money for even one attempt.


United States per age group using non-donor eggs data:[1]

  <35 35-37 38-40 41-42 >42
Pregnancy rate 46.7 37.8 29.7 19.8 8.6
Live birth rate 40.7 31.3 22.2 11.8 3.9


At NFT, the initial consultation  is $100. Please allow an hour of your time to spend at the NFT office for this first appointment. Subsequent regular appointments will last less than one hour.

Cost of acupuncture treatments are $90, plus the cost of herbs and whole food supplements if they are recommended by Dr. C.

 If you and your partner decide to enroll in the Natural Fertility Program (everything included) offered by NFT, you may choose from two payment options as described below.

The first option is to pay one installment of $3,700 at the first appointment ($100 for the initial consultation, plus $3600 for the six month program-acupuncture, herbs, hormone salivary test and whole food supplements) to receive a total program discount of $400.  If you elect to sign up for the payment plan, you will pay $100 for the initial consultation, then $4,000 in four $1,000 installments.

Both payment options include all services and products offered.

The payment schedule is due with the first treatment. On the second option, the 2nd, 3rd and 4th payments are due every 30 days.



Insurance Coverage for Acupuncture


Yes, we accept insurance


Recently, more insurance companies are offering full or partial coverage for acupuncture treatments. Knowing that your plan offers acupuncture coverage is a good start, but more information is needed to get a full understanding of your specific insurance plan. We will gladly process your insurance claim if your insurance company covers Acupuncture Treatments by a Licensed Acupuncturist. Or you can do your own verification, before arriving for your first visit, using the following information.


Start by calling your insurance company. There is almost always a customer service phone number on the back (or sometimes front) of your insurance card. There may be a maze of telephone prompts to navigate, but eventually you should speak directly with a customer service representative to ask about your policy benefits.


1.) Is acupuncture treatment covered on your policy?

The answer should be either Yes or No. If the answer is No, your insurance company will not pay for acupuncture treatments. If the answer is Yes, your insurance company may pay for your acupuncture treatments, but additional details are needed:


2.) If the answer was “Yes” to question #1:
What is your copay amount for acupuncture office visits? This may be a set dollar amount or a percentage amount.


3.) Are there coverage limits on the number of treatments (or dollar amount limits)?

If so, how much of the limit has already been used? If the limit has been met or exceeded, the benefit has been exhausted and you should not expect any payment from your insurance company.


4.) Is there is a deductible amount which applies to acupuncture treatment?

If a deductible applies, you should ask how much of the out-of-network deductible has been met and what the deductible period is. You should expect to pay-out-of-pocket until the deductible has been met for the current deductible period.


5.) Are you covered for out-of-network providers?

Having out-of-network benefits will ensure that you get the best coverage. Our clinic is out-of-network for all insurance providers. It is also wise to ask whether your policy allows acupuncture to be administered by a licensed acupuncturist or if it stipulates that treatment may only be administered by an MD. In addition, you should ask if a referral or pre-authorization is required for your policy.


6.) Lastly, are there any specific acupuncture diagnosis requirements?

Even if you’ve met all of the criteria above, an insurance company will pay for acupuncture only when treatment is considered medically necessary and acupuncture is an appropriate treatment for the patient’s condition. For example, most insurance companies will consider acupuncture appropriate for treating low back pain, but no insurance companies will consider acupuncture appropriate for treating Rocky Mountain Spotted Fever, as there is little evidence that acupuncture is helpful in treating this condition. Not all insurance companies will provide you with this type of information, but it’s worth asking.


Additional Notes:

It’s important to know that insurance companies offer many different policies with a variety of different benefits. Two plans from the same health insurance company will often have very different coverages, even if they look the same on the surface.

Similarly, knowing the name of your insurance company alone does not help specify whether you have acupuncture coverage. Determining that information would require asking the questions above to investigate your specific policy.



We also accept Flexible Spending Accounts (FSA), and these plans (funded with your own, before taxes money) not only cover acupuncture services, but also, supplements and herbs.

Once you have called your insurance provider, get started with an appointment today:

 Schedule an appointment

Call (813) 341-2200