---
title: "Do naturopathic doctors take insurance?"
entity: "blog"
canonical_url: "https://www.drdanwool.com/blog/do-naturopathic-doctors-take-insurance"
markdown_url: "https://www.drdanwool.com/llms/blog/do-naturopathic-doctors-take-insurance"
lastmod: "2025-08-15T07:00:00.000Z"
---

No. Naturopathic doctors in Arizona do not take medical insurance, or rather insurance carriers do not take them. All care is paid for directly and out of pocket by the patient. 

One benefit of this cash pay model is that [there is motivation from both doctor and patient to work more efficiently and effectively toward better health outcomes.](https://drdanwool.com/investing-in-your-health) However, this is not what most health care consumers have come to expect from doctors offices. 

This also means that while NDs in Arizona can order blood lab tests and prescribe most  medications , these are not always covered by insurance, and might be more expensive than the same orders and prescriptions from MDs who  are covered. 

### Do naturopathic doctors take Medicare?

No. Because naturopathic doctors are not federally recognized the way MDs or DOs are -- licensure still varies by state or jurisdiction -- their services are not covered by Medicare.  In Arizona, naturopathic medical care is paid for directly and out of pocket by the patient.

### Do naturopathic doctors provide superbills for insurance reimbursement? 

Yes. Many naturopathic doctors offices provide patients  with "superbills" that they can submit to their insurance companies for possible reimbursement or to credit against their deductible . Superbills are written summaries of the care they receives during their visit that are annotated with appropriate visit codes (such as CPT) and diagnosis  codes (such as ICD-10). Reimbursement varies by insurance plan.

About the Author

## Dr. Dan Wool, NMD

Dr. Dan Wool is a naturopathic doctor who specializes in gastroenterology, hormones and men's health in Scottsdale, Arizona. [Set up a free 15-minute discovery call with Dr. Wool today! ](https://drdanwool.com/booking)

[Read more about Dr. Wool's Gut Health Journey](/about)