How to Check Your Benefits

If you’d like to find out if your insurance company will cover naturopathic or chiropractic medical services, here are a few things you can do:

Review your policy

• Sometimes your health plan documents will specifically say if naturopathic or chiropractic medicine is covered.
• If you have an HMO plan you may be limited to seeing providers who work for that company (for example Kaiser). In most cases these plans will not be covered.

Call your insurance company

To check your insurance benefits, call the customer service number on the back of your insurance card. Ask for benefits/eligibility. Tell the phone representative you’re calling to check on your personal insurance benefits.

Here are the questions you want to ask:

• Does my policy cover services that are performed by a licensed naturopathic doctor or a licensed chiropractor?

If they are unsure, you can ask if your policy specifically excludes naturopaths as covered providers in its definition of physician.

• Is there a deductible I need to meet in regards to this service?

This is the amount you will pay out of pocket this year before services are covered. The amount is renewed each year.

• Is Dr. O'Connell or Dr. Max in-network with my plan?
• What is my copay or co-insurance?
• Is a referral required from my primary care physician in order to see Dr. O'Connell or Dr. Max?
• Any other pre-authorization required?
• Do I have a maximum number of visits, or a maximum dollar amount for this service each year?

If your health insurance policy does not cover naturopathic or chiropractic medical services, you can still receive care. Nutura Clinic offers time-of-service payments for patients who are not using insurance benefits.

Nutura Clinic is a preferred In-Network provider with most major commercial insurance companies. 

Insurance by Provider

Dr. Max

• MODA
• Providence Health  
• Aetna 
• Regence/Blue Cross BlueShield (BCBS) 
• Cigna 
• United HealthCare/Optum Physical Health 
• Triwest/Empower Chiro  
• First Choice Health Network
• Pacific Source 
• Tricare: Not a covered benefit; however, active-duty service members may receive chiropractic services at select military treatment facilities. 
• Health Net 

Dr. O’Connell

• Regence/Blue Cross BlueShield (BCBS)
• MODA
• Healthnet
• Providence
• ASH
• Aetna
• United HealthCare/Optum Physical Health
• Cigna
• Pacific Source
• First Choice Health Network