Medi-Cal does not reimburse for our visits but will cover lab work, imaging, prescriptions and referrals we order.
We do not directly bill any insurance carriers at this time. Payment is due at the time of service.
Most insurance companies will reimburse you for visits depending on your coverage for out-of network providers. Depending on what coverage you have in your policy, insurance will cover lab work, imaging, prescriptions and referrals we order.
We encourage you to contact your insurance provider prior to your visit, to see what types of general services they cover and what they will reimburse for out-of-network providers.
Visit costs do apply toward deductibles and your out-of pocket maximum if a superbill is submitted by you to your insurance carrier. If you would like a superbill you must request one at the end of each visit.
Ask, “I want to work with an out-of-network provider, how much will you reimburse me for visits, labs, imaging, and prescriptions?”
Ask, “What is the best way to submit my claim with a superbill?”
If you submit a superbill to your insurance company all of your visit costs apply toward your deductible or out-of-pocket maximum. If you would like a superbill, you must request one at the end of each visit.
A superbill is an appropriately coded bill produced by your doctor for insurance purposes and is different from an invoice or receipt. Let us know if you would like to be provided with a superbill at the end of each visit.
More detailed instructions for submitting a superbill can be found here. If you have already been denied reimbursement after submitting a superbill, you can find information about filing a complaint here.
With the initiation of the Affordable Care Act (ACA), more office visits may be covered by insurance in the future.
The ACA includes a non- discrimination clause intended to ensure insurance providers offer coverage for all licensed health care professionals, including naturopathic doctors.
Despite the above clause, insurance providers in California are not mandated to contract with naturopathic doctors and thus so far they do not.
There are a number of steps you can take:
Sign up on the CNDA’s Advocacy page to stay up to date on this issue and be alerted when state insurance legislation will be voted on!
Want NDs to be covered by your Affordable Care Act healthcare plan? Write a letter to Governor Brown now using this form: http://www.covermynd.org/.
Encourage your employer to provide you with a policy through the Community Health Plan of the Siskiyous. Individuals are not able to directly purchase from CHPS. However, you and your employer are free to investigate the products offered through CHPS.
Is your insurance plan offered through your employer? Print this letter and attach these informational documents to give to your human resources representative for negotiating next year’s benefits package with your insurer.
The California Naturopathic Doctors Association has insurance coverage resources for doctors, employers and insurers. If you would like to find out more, follow the links below.