Great question—and one I get often. In California, naturopathic doctors (NDs) are licensed medical providers, but insurance coverage varies widely.

Most PPO plans offer partial reimbursement for naturopathic visits, especially when coded as out-of-network care. Unfortunately, HMOs and Medi-Cal typically do not cover naturopathic care. However, many patients use Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) to pay for visits, lab tests, and treatments like hormone therapy or IV nutrition.

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