New Patients

Insurance

At Greenhouse Natural Medicine, we are committed to providing the highest quality, cost-effective naturopathic care. We accept all major credit cards and Health Savings Accounts (HSAs).

Important Insurance Update

After careful consideration, effective January 1, 2026, Greenhouse Natural Medicine will no longer be in-network with the following insurance carriers:

Harvard Pilgrim (HP)

UnitedHealthcare (UHC)

Aetna

We will remain out-of-network providers with these insurers. Patients with these plans can still receive care with us—coverage and reimbursement will depend on your specific out-of-network benefits. If you have Anthem or Cigna, we continue to accept these plans in-network.

What This Means for You

• Self-Payment at Time of Service: You’ll pay for your visit at the time of your appointment.

• We’ll Help With Reimbursement:

  • If you have Harvard Pilgrim, UHC, or Aetna and confirmed out-of-network naturopathic coverage, we’ll submit your claim directly to your insurance. Reimbursement will be sent straight to you.

  • For all other plans, we’ll provide a superbill so you can submit for reimbursement yourself—our team will walk you through the process.

  • No Surprise Bills: You’ll always know your visit cost upfront.

  • Use Your HSA/FSA: These accounts can always be used to pay for visits.

Verify Your Coverage

Before your appointment, please contact your insurance company and confirm that “Naturopathic Services” are covered under your plan and whether you have out-of-network benefits.

Using Your Out-of-Network Benefits for Naturopathic Medicine

Many patients are surprised to learn that their health insurance may help cover naturopathic care—even when the provider is out-of-network. With a little guidance, you can make the most of these benefits and invest in the kind of holistic, personalized healthcare you’re looking for.

Step 1: Find Out if You Have Out-of-Network (OON) Coverage

The easiest way to start is by logging into your insurance portal or calling the number on the back of your card. Look for details about:

• Out-of-network deductible – the amount you pay out of pocket before reimbursement begins.

• Coinsurance – the percentage of each visit you’re responsible for after meeting your deductible.

• Allowed amount – the maximum fee your plan will cover per visit.

Step 2: Call Your Insurance Company

Speaking directly with a representative is the most reliable way to understand your benefits. Please ask:

• Do I have coverage for Naturopathic Services?

• How much of my deductible has already been met this year?

• What is my out-of-network deductible for naturopathic visits?

• What percentage will be reimbursed once my deductible is met?

Step 3: Claim Submission or Request a Superbill

If you have Harvard Pilgrim, UnitedHealthcare, or Aetna and have confirmed that your plan includes out-of-network naturopathic coverage, we’ll submit the claim on your behalf. You simply pay at the time of service, and once your insurance processes the claim, reimbursement is sent directly to you.

If you carry coverage with another insurance company, we will provide you with a superbill—a detailed receipt with visit codes and fees. You’ll pay your naturopathic doctor at the time of service, then submit the superbill to your insurance company for reimbursement. Many patients find this process straightforward, and we’re here to guide you through it step by step.

Step 4: Receive Your Reimbursement

• For Harvard Pilgrim, UnitedHealthcare, or Aetna members: Once we’ve submitted the claim on your behalf, your insurance company will process it and send reimbursement directly to you—no extra paperwork required.

• For all other insurance plans: After you submit your superbill, your insurance company will review the claim and mail a reimbursement check.

To summarize: You pay for your visit at the time of service, and reimbursement comes straight back to you if your plan covers out-of-network naturopathic care.

Why Choose Out-of-Network Naturopathic Care?

Access the Care You Really Want

Naturopathic medicine is built on longer visits, personalized plans, and integrative therapies that don’t always fit inside conventional insurance models. Out-of-network coverage allows you to choose a provider who truly understands your health priorities.

It May Cost Less Than You Think

If you have a high-deductible plan or strong out-of-network benefits, your out-of-pocket costs can be the same—or even less—than seeing an in-network provider.

More Time, More Options, More Flexibility

Working outside the limitations of insurance billing codes means we can focus on what works best for you: longer visits, comprehensive care, and treatment plans that evolve with your needs.

Privacy and Peace of Mind

When you use out-of-network benefits, your insurance company doesn’t receive detailed information about your visits. For many patients, this added layer of privacy is invaluable.

The Bottom Line

You deserve care that’s aligned with your values and your health goals. Out-of-network benefits give you the freedom to choose a naturopathic doctor you trust, without letting insurance networks limit your options.

You can always use your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for visits. That’s exactly what these accounts are designed for—to make holistic, out-of-pocket care more affordable. Your health is worth the investment.

Insurance by provider

Julia Greenspan, ND

Anthem

CIGNA