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Does Medicare Cover Naturopathic Doctors?

  • Medicare with Melissa

In recent years, there’s been a notable uptick in the popularity of naturopathy. This trend spans across diverse age groups and backgrounds, including people who are eligible for Medicare. This surge in interest is fueled by a growing inclination towards holistic and natural treatments, which offer an alternative to traditional medical interventions. If you’re a Medicare beneficiary, you might find yourself wondering if Medicare covers naturopathic doctors. Keep reading to discover how Medicare policies affect naturopathy coverage and what options you have as a Medicare beneficiary.

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What is Naturopathy?

In a world inundated with rapid advancements in medical technology, naturopathy stands as a beacon that draws upon the time-tested principles of nature and self-healing. It is grounded in the belief that the human body has an inherent ability to heal itself, forging a path of wellness that leverages the healing power of nature. This holistic approach to health and wellbeing has cultivated a growing interest in naturopathic medicine, inspiring people to explore this holistic, preventive, and comprehensive way to manage health.

At the heart of naturopathy lies a deep-rooted commitment to a holistic approach with a concerted effort to treat individuals rather than diseases. Naturopathic doctors leverage diagnostic techniques common in conventional medicine, harmoniously integrated with an expansive array of natural therapies. These therapies could encompass a broad spectrum of approaches, including botanical medicine, nutritional therapy, psychological counseling, homeopathy, physical medicine, and lifestyle modifications, among others.

Through a deep and comprehensive intake process, naturopathic doctors aim to understand the unique physiological, structural, psychological, social, spiritual, environment, and lifestyle factors affecting each individual. It’s through this lens that they tailor treatment plans, leveraging the most appropriate therapies to facilitate healing and nurture wellbeing.

Furthermore, naturopathy espouses a proactive approach to health, emphasizing prevention over treatment. This entails fostering healthy behaviors and lifestyles, encouraging individuals to take charge of their health, and guiding them in the prevention of diseases through various natural and sustainable strategies.

It is important to note that naturopathy does not renounce conventional medicine. In fact, many naturopathic doctors work in tandem with other healthcare providers, embracing an integrative approach that seeks the best possible outcomes for the patient, be it through natural or conventional means.

This symbiotic relationship with other fields of medicine enables naturopathy to offer a rich and diverse treatment landscape, thereby providing you with a more comprehensive, personalized, and empathetic approach to health and well-being.

Types of Naturopathic Doctors

In the dynamic field of naturopathic medicine, the roles and specialties of naturopathic doctors can be quite varied, bearing a spectrum of approaches and philosophies towards healing and well-being. This diversity is mirrored in the different types of naturopathic doctors that you may encounter in your health journey. Generally, they can be classified into two broad categories, which are licensed naturopathic doctors and traditional naturopaths.

Licensed naturopathic doctors (NDs) undergo rigorous training at accredited schools. Their education spans a four-year graduate-level program, like conventional medical tracks. However, it significantly focuses on holistic and integrative health approaches.

After finishing their education, they must pass the Naturopathic Physicians Licensing Examinations (NPLEX). This test is required to obtain their license. The license shows they meet high medical education standards and proves expertise in conventional and holistic healthcare. Naturopathic doctors can pursue further specializations, including but not limited to becoming Pediatric Naturopathic Doctors, Naturopathic Obstetricians, or Naturopathic Oncologists.

On the other end of the spectrum are traditional naturopaths. These practitioners may not have attended a naturopathic medical school accredited by a recognized accrediting body and their educational backgrounds can vastly differ. They might acquire knowledge through various non-standardized courses, workshops, or self-study.

Traditional naturopaths often focus on promoting general wellness, guiding individuals in maintaining a healthy lifestyle, and utilizing natural therapies to foster well-being. They may offer advice on nutrition, lifestyle management, herbal supplements, and more. However, they do not diagnose or treat diseases as a licensed naturopathic doctor would.

Whether you opt for a licensed naturopathic doctor or a traditional naturopath, it’s vital to ensure the practitioner’s expertise aligns with your health goals and needs. Maintain open and clear communication with your practitioner. Discuss your expectations and understand the potential outcomes of the naturopathic interventions. Doing so will foster a productive and beneficial healthcare partnership.

Medicare Coverage for Naturopathy

Naturopathic medicine offers an alternative healing path that uses nature’s resources to promote wellness and prevent illness. This branch of medicine harmoniously blends a variety of tried-and-true practices such as acupuncture, chiropractic care, and nutritional therapy, among others, offering a less invasive route to healing. This approach can frequently avoid the necessity for surgical procedures or strong medications.

There’s good news for Medicare beneficiaries because substantial progress has been made with Medicare expanding its coverage to include acupuncture, a cornerstone of naturopathic care. However, it’s important to note that this coverage is limited to the treatment of chronic lower back pain.

Under Medicare Part B, you’re entitled to up to 12 acupuncture sessions within a 90-day timeframe. If significant improvements in your condition are noted, you may receive coverage for an additional 8 sessions. However, it is imperative to demonstrate that progress is being made to qualify for these additional sessions. The cumulative number of acupuncture treatments covered by Medicare in a single 12-month period can’t exceed 20 sessions. If there’s no apparent improvement, further sessions won’t be covered.

Chiropractic services are also a key part of naturopathic medicine and are covered by Medicare, but with a strict condition. Medicare Part B only covers it if the service is used to fix a problem with the spine’s alignment (vertebral subluxation). Medicare will pay 80% and you’ll be responsible for the remaining 20% after meeting the Part B deductible.

If you have a Medicare Advantage plan, you might get more chiropractic benefits than what’s usually allowed under Medicare Part B. It’s a good idea to carefully check your plan’s details or speak with a licensed agent to find out if there are extra chiropractic benefits you may qualify for.

Nutrition therapy is another key area in naturopathic medicine. Medicare has set strict rules on who can get help with the costs. Medicare does offer coverage for medical nutrition therapy services, but it’s restricted to people who have either diabetes or kidney disease or have undergone a kidney transplant within the previous 36 months. Additionally, it’s required to have a referral from your doctor to qualify for coverage under Medicare Part B.

The covered services encompass a preliminary evaluation of your nutrition and lifestyle, one-on-one or group nutritional therapy sessions, assistance in overseeing lifestyle variables that influence your diabetes, and succeeding appointments to monitor your dietary management progress. This is designed to facilitate a personalized approach to managing and improving your health conditions through targeted nutrition therapy.


Moving toward a more natural way of taking care of your health doesn’t have to mean big, unexpected bills. With a good grasp of what Medicare covers, and a willingness to do some homework, you can find a path that is affordable and in line with the ideas of naturopathy. Remember, it’s all about making smart healthcare choices that are backed by a comprehensive understanding of your Medicare benefits. So be proactive and take steps towards embodying a health-conscious lifestyle, which can ultimately lead to a more enriching and healthy life.

To make the most of your healthcare journey with a naturopathic approach, it’s important to understand the full scope of Medicare’s limitations. Doing so will ensure you can strategically allocate your resources without incurring unexpected expenses for uncovered services. Give us a call at 866-MEDIGAP (866-633-4427) if you have any questions regarding Medicare coverage and potential out-of-pocket expenses for naturopathic doctors.

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Oh my gosh!! I was so confused about the Medicare Supplement process. I am turning 65 soon and am retired and have always had insurance thru my former employer. I didn’t know a thing about going on Medicare and was struggling to sort it all out.

A friend of mine recommended contacting Senior HealthCare Solutions, so I did. Melissa was FANTASTIC!! She was professional, responsive, caring and friendly. She explained the steps I needed to take, gathered my information, helped me choose good plans for MY specific needs and took care of my applications over the phone. 1-2-3, eesy-peesy and I was done!! And it didn’t cost me a DIME!!! WOW!!! I HIGHLY recommend Senior Healthcare Solutions for anyone who’s overwhelmed with making the right choices with Medicare Supplemental Insurance and Rx coverage. It’ll take a load off your mind!

Janice W.

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