Fees & Clinic Policies
Naturopathic Medicine is not covered by Medicare or Medicaid. This is a federal nationwide policy.
Not surprisingly, one of the first things people ask a doctor they are considering is: “Do you take insurance?” According to provisions of the Affordable Care Act, insurers are not allowed to discriminate against any type of licensed practitioner providing similar services. It’s the law.
Some insurance policies may cover my services — this would be as an “out-of-network” provider (as opposed to a “participating” provider). Why will you be happy to know this, even though perhaps the reimbursement rate may be slightly lower compared to a contracted provider?
The reason I’ve chosen not to be a participating provider is that insurance companies tend to exert a lot of power over healthcare practitioners (or at least us non-specialist family-practice types), which unfortunately can be antagonistic. Their reimbursement contracts generally incent shorter visits, instead of visits aimed at full histories and patient education. This is why visits with conventional physicians average only 5-10 minutes – most have chosen a quantity strategy to keep their doors open and serving you.
I’ve chosen a quality strategy, because I’d like to treat you, not your insurance company. This choice helps me keep my patients’ health interests at the forefront of my mind, rather than their insurance company’s rules.
If you have insurance, and will be relying on reimbursement for my care, it may be helpful to call your insurance company and confirm that you have out-of-network benefits.
Patients pay at the time of service, and then generally I give you paperwork with standard insurance-industry coding, to submit for reimbursement.
Dr. Craig Blacks wrote the following about insurance:
Health insurance is not about health, no matter how many ads would have you believe that it is. America has the best facilities to treat illness; it does not deliver best health to Americans.
Our health care system celebrates “more and faster fire engines” to put out more hotly burning buildings. Consumer demand can drive prevention. Don’t depend on the system to save you. Invest in the length and quality of your life which creates good for you and those you love.
Till customers demand a focus on improving health, providers will focus on what works for us: a revolving door of sick care with its associated benefits at the expense of our community wellness.
Health care won’t likely change as long as the status quo is working for us. We stay with what works.
Seek better health, not just better treatment for sickness. Eat less sugar; exercise more, understand your risks and learn all you can to control them.