Often medical insurance covers most services performed by an MD like lab testing and office visits, and will cover a set amount of dollars for naturopathic doctor care. Each insurance policy is different with some policies providing naturopathic coverage the same as MD’s, and some policies having a cap on the amount of money that can be spent on alternative care. As the consumer, you want to know what type of coverage you have ahead of time. it also depends on the type of insurance policy you buy or your employer provides. As more people are requesting care for other types of holistic medicine, insurance policies are expanding coverage.