Currently, most health insurances in the state of California do not cover naturoapthic doctors (NDs), which limits NDs from being able to bill insurance for medical services rendered. Patients are advised to contact their insurance plan to learn if coverage is available. Dr. Ray's practice is a cash-based model known as "direct primary care," which eliminates insurance as a middle-man and allows her to give patients the care they need versus limiting care to what insurance will cover. If you have an insurance plan with a HSA/FSA account, Dr. Ray is able to accept payments from those accounts in the form of a HSA/FSA benefits card. Dr. Ray can also provide patients with a superbill receipt, upon request, so they can submit to insurance on their own for possible reimbursement. To learn more about using your insurance for naturopathic care, visit here: https://naturopathic.org/page/Insurance.