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As Medicare stands as the primary health insurance for seniors and certain disabled individuals, questions about its coverage often arise. One such query frequently asked is, ‘Does Medicare cover naturopathic doctors?’.
Naturopathy, a form of alternative medicine, encompasses various practices, including acupuncture, chiropractic services, massage, and nutritional therapies. It emphasizes natural remedies and preventive measures for a wide range of health issues, appealing to those seeking less invasive treatments than traditional methods. This approach has garnered increasing popularity across all age groups, particularly among Medicare beneficiaries looking for alternatives to surgeries and prescription medications. Many seniors visit naturopathic doctors, naturopaths, and practitioners of osteopathy to elevate their health and well-being, seeking natural remedies for illnesses and preventive care.
Understanding Medicare’s coverage of naturopathy and potential out-of-pocket costs is essential for individuals considering or currently using these holistic treatments within their healthcare regimen.
Does Medicare Cover Naturopathic Services?
Beneficiaries seeking alternative treatments often wonder, ‘do holistic doctors take insurance’. While Medicare does not generally cover naturopathy, it does pay for some alternative and holistic services under specific circumstances.
The relation between Medicare renewal and coverage for some naturopathic treatments lies in the ongoing evaluation and updates to Medicare’s coverage policies. Medicare periodically reviews and updates its coverage policies based on new research, changes in medical practices, and evolving healthcare needs. This includes considering coverage for certain naturopathic treatments, such as acupuncture for chronic lower back pain.
Medicare beneficiaries might select natural or alternative remedies instead of costly surgeries or prescription medications. However, Medicare only covers some services that fall under this category.
Covered Services
Medicare enrollees might be wondering, ‘Does Medicare cover functional medicine?’ The only type of naturopathic medicine that may be covered by Medicare benefits is osteopathic medicine. Osteopathic medicine focuses on all the body’s systems and how they work together to heal the body as a whole. Doctors who practice osteopathic medicine are fully licensed physicians who incorporate osteopathic methods into some treatments. 8.5% of all licensed physicians in the United States are Doctors of Osteopathic Medicine (DOs), who train as medical doctors and study osteopathic manipulative treatment (OMT) for use alongside conventional surgeries and medications.
Medicare recipients who have coverage with Medicare Part B or Medicare Advantage (Part C) policies have coverage for medically necessary outpatient medical care, including visits to licensed healthcare providers who accept Medicare assignment, such as Doctor of Osteopathic Medicine and other licensed physicians. Medicare covers 80 per cent of the Medicare-approved cost for care given by a Doctor of Osteopathic Medicine, with the patient responsible for the remaining 20 per cent.
To be eligible for Medicare coverage of a doctor’s visit, the care received must be medically necessary, authorized by the health care provider, and given by a provider who accepts Medicare assignment. Medicare Advantage (Part C) plans may have different coverage allowances, so it is important to check with a licensed agent representing your Medicare Advantage provider before pursuing this type of medical care.
Medicare Part B includes coverage for medically necessary spinal manipulation within chiropractic care. It is important to note that Original Medicare does cover certain services that may be offered by some naturopaths.
For instance, Medicare Part B offers coverage for medical nutrition therapy for individuals with diabetes, kidney disease, or those who have undergone a kidney transplant within the past 36 months. To receive full coverage for this service, beneficiaries must obtain a referral from their doctor or a qualified practitioner.
Acupuncture Coverage
Acupuncture has recently started receiving coverage from Medicare to reduce opioid painkiller dependence, particularly for chronic lower back pain. Medicare Part B covers up to 12 acupuncture visits in 90 days for chronic low back pain, with an additional 8 sessions covered if improvement is shown. Medicare does not cover acupuncture (including dry needling) for any condition other than chronic low back pain. After meeting the Part B deductible, patients are responsible for paying 20% of the Medicare-approved amount for acupuncture services. In some instances, Medigap (Medical Supplement) plans can help cover out-of-pocket costs associated with acupuncture services. Researching and comparing different plans is crucial to finding one that meets your acupuncture coverage needs.It is important to note that not all providers can perform acupuncture, and Medicare cannot directly pay Licensed Acupuncturists for their services.
Medicare recipients should carefully review their coverage options and consult with their health care providers to determine the best course of action for their individual needs. Consult with CoverRight today to find the perfect Medicare plan for your needs. Compare options, understand your coverage, and make an informed choice for your healthcare.
FAQs
What Medicare plans will cover my naturopathic doctor visits?
Visits to naturopathic doctors (NDs) are not covered by Medicare. While acupuncture, a Medicare-covered service that technically falls under naturopathy, is an exception, Medicare does not reimburse ND services, including general consultations. Medicare-approved acupuncture must be administered by a licensed acupuncturist.
Where can I find the right holistic/naturopathic doctors for my coverage and needs?
To locate holistic and naturopathic doctors, consider consulting your local medical board, requesting referrals from your primary care physician, or exploring online directories of licensed practitioners. While Medicare does not cover visits to naturopathic doctors, certain qualified services may be covered. It is recommended to research your insurance plan in advance.
Are there any naturopathic medicines that can help me?
Some naturopathic medicines, such as herbal supplements and homeopathic remedies, are available, but their effectiveness and safety may vary. It’s advisable to consult with a healthcare provider before using any naturopathic medicine.
