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Texas acupuncture practices lose 25–40% of revenue to payer-specific denials, missed prior authorizations, and weak documentation — even when coverage exists. This 2026 guide breaks down BCBS Texas, Aetna, UnitedHealthcare, Ambetter, and Scott & White rules, functional outcome requirements, credentialing pitfalls, and the exact workflow that recovers 10–18% more collections without seeing more patients.