Many people seek naturopathic doctors for holistic and natural healthcare approaches. However, Medicare typically does not cover naturopathic doctors (NDs) or their services. Understanding what Medicare covers and exploring alternative options can help beneficiaries make informed decisions about their healthcare.

Does Medicare Cover Naturopathic Doctors?

Original Medicare (Part A and Part B) does not provide coverage for naturopathic doctor visits or treatments. This means that if you choose to see an ND, you will likely need to pay out-of-pocket for their services.

Some Medicare Advantage (Part C) plans may offer limited coverage for naturopathic care. However, this is rare and varies by plan. If you have a Medicare Advantage plan, check with your provider to see if any naturopathic services are covered.

Services That May Be Covered

While Medicare does not cover naturopathic doctors, it may cover certain services they provide when performed by a different type of healthcare professional. Here are some examples:

Acupuncture

• Coverage: Medicare Part B and some Medicare Advantage plans cover acupuncture for chronic low back pain.
• Limitations: Medicare covers up to 12 sessions in 90 days.
• Additional Coverage: If symptoms improve, 8 more sessions may be covered. If no improvement is seen, further sessions are not covered.
• Provider Requirements: The practitioner must have:
  • A master’s or doctoral degree in acupuncture or oriental medicine.
  • An active state license to practice acupuncture.

Chiropractic Care

• Coverage: Medicare covers manual manipulation of the spine for vertebral subluxation.
• Limitations: Medicare does not cover tests, massage therapy, or acupuncture ordered by a chiropractor.
• Medicare Parts Covered: Part B and some Medicare Advantage plans.

Lab Tests

• Coverage: Medicare covers lab tests necessary for diagnosis if ordered by an eligible healthcare professional.
• Eligible Providers: Includes medical doctors (MDs), doctors of osteopathic medicine (DOs), and nurse practitioners.

Services That Are Not Covered

Original Medicare does not cover the following alternative or complementary therapies:

• Massage therapy
• Herbal medicine
• Traditional Chinese medicine
• Homeopathy
• Biofeedback

Some Medicare Advantage plans may provide limited coverage for these services. Check with your plan provider for details.

Alternatives to Naturopathic Doctors

If you prefer holistic healthcare, consider seeing a Doctor of Osteopathic Medicine (DO). DOs provide a similar whole-body approach and focus on overall health rather than just treating conditions. They may also use complementary treatments like:

• Osteopathic manipulative treatment (OMT)
• Lifestyle and nutrition counseling
• Preventive care

Important Note: Medicare covers DO visits, but some alternative treatments they provide may not be covered.

The Bottom Line

• Medicare does not cover naturopathic doctor visits.
• Some services provided by naturopathic doctors may be covered if performed by a different provider, such as a DO, MD, or licensed acupuncturist.
• Medicare Advantage plans may offer limited coverage for alternative treatments, but this varies by plan.
• Consider seeing a DO if you prefer a holistic approach to healthcare that Medicare covers.

Before seeking care, always check with your Medicare plan provider to understand what is covered and avoid unexpected costs.

Disclaimer: The information on this website may assist you in making personal decisions about insurance, but it is not intended to provide advice regarding the purchase or use of any insurance or insurance products. Minseos.com Media does not transact the business of insurance in any manner and is not licensed as an insurance company or producer in any U.S. jurisdiction. Minseos.com Media does not recommend or endorse any third parties that may transact the business of insurance.