Insurance and Naturopathic Physicians

Updated: Aug 7, 2020

Many people assume that as a Naturopathic Doctor, we are not covered by insurance plans. This is not true. In Washington, we have what is called an every-provider-mandate. What that means is that if an insurance is based in Washington and the provider carries a license from the state, then the insurance must cover that type of provider. For example, Premera and Regence are both in-state plans, therefore they must cover Naturopathic Doctors.

What people don't tend to realize is that it is very plan specific. If you have an employer sponsored plan, your HR department chose the packages available to the employees of the company. If they decided that naturopathic medicine and acupuncture weren't important points of coverage, then those services will not be covered.

Now you may be tempted to go to your insurance log in portal to see if I, or another Naturopathic Doctor, is covered by your insurance. Lo and behold, you see my name and think, "huzzah!" Unfortunately, it doesn't stop there. The websites do not have ways to differentiate plans. You must call them on the phone (I know, that's pretty old school) and inquire if YOUR PLAN covers naturopathic medicine. When they say yes, make sure the doctor you want to see is in-network and now you can scream, "huzzah!"