Does Insurance Cover Treatment?
The only insurance network I belong to is IHP (Integrated Heath Plan); you can arrange for this coverage through your insurance agent. Sometimes your current insurance will cover Chiropractic, and occasionally, Naturopathic care; inquire of your insurance provider. Specifically ask whether your insurance policy includes Naturopathic doctors as primary care providers or has Chiropractic coverage. Each company and policy is different, but currently more insurance companies are covering Chiropractic and Naturopathic Medicine as they see the benefit of preventive care, health and wellness. Currently in California, Health Savings Account plans offer the best reimbursement for Naturopathic medicine (see links for HSA’s and FAQ’s below).
What is a Health Savings Account?
Over 2 million people have established their own health savings account plans since Jan. 1, 2004 (when the old medical savings accounts became known as health savings accounts). The main reason people switch to an HSA is the huge premium savings realized by switching to a high deductible health plan that is required (under IRS regs) for an HSA plan. Of course, special tax advantages are also a welcome benefit.