
Some insurance plans cover the services of a registered dietitian, while others may cover nutrition counseling services by a licensed nutritionist.
In the United States, the Affordable Care Act requires health insurance plans to cover certain preventive services, including nutrition counseling for certain health conditions.
Insurance coverage for nutritionist and dietitian services varies widely depending on the type of insurance plan and the state you live in.
Many employer-sponsored health plans cover registered dietitian services, but may not cover nutrition counseling services by a licensed nutritionist.
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Insurance Coverage
Insurance coverage for nutritionists varies greatly depending on the type of insurance you have. Medicaid coverage for nutritionists is inconsistent, with some states covering nutrition therapy as optional preventive care services, while others do not recognize Registered Dietitian Nutritionists (RDN) as Medicaid providers.
Some states, like California, Minnesota, Montana, New Jersey, New York, Texas, and Vermont, offer some form of Medicaid coverage for the National Diabetes Prevention Program (National DPP), which may include the services of a nutritionist under Medical Nutrition Therapy.
Medicare Part B covers medical nutrition therapy under certain circumstances and by qualified health care professionals, such as Registered Dietitian Nutritionists or any nutritional health care provider who satisfies Medicare's requirements in that state.
To determine if your insurance covers nutritionist services, you should ask your provider if they cover nutritional counseling, how much you can spend annually, and what the billing and claims process is like.
Some insurance providers require a referral from a primary care physician to receive compensation for nutritional counseling services, so it's essential to ask about this requirement.
You can also call a local nutritional counseling provider in your area to see if your insurance is in-network and if you'll have to cover any costs.
Here are some states that cover the National DPP under Medicaid:
- California
- Minnesota
- Montana
- New Jersey
- New York
- Texas
- Vermont
Keep in mind that these states may have varying levels of coverage, and it's always best to check with your state's Medicaid office to confirm.
It's also worth noting that Medicare will cover medical nutrition therapy services for those with certain chronic conditions, such as diabetes or kidney disease, but the specifics of coverage can vary.
Nutritionist vs. Dietitian
Nutritionist vs. Dietitian: What's the Difference?
A registered dietitian is board-certified and legally permitted to treat medical conditions and offer nutritional counseling.
Nutritionists, on the other hand, may not be held accountable by a regulatory body and can declare themselves a nutritionist without any formal training or certification.
To become a registered dietitian, one must hold a bachelor's degree or equivalent and meet the accreditation standards of the Academy of Nutrition and Dietetics.
The accreditation process is a lengthy one, requiring each applicant to complete an ACEND-accredited supervised practicum, pass the Commission on Dietetic Registration's dietetic registration exam, and successfully obtain a state license.
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Are Dietitians?
Are Dietitians Covered by Insurance?
Dietitians are covered by insurance, and in fact, the Affordable Care Act mandates that health insurance covers nutrition counseling.
Most insurance plans will cover 100% of all nutrition services, but individual coverage plans can vary.
You'll need to confirm with your insurance provider, which you can do by reviewing your insurance package or contacting them directly.
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Having your International Classification of Diseases code (ICD code) on hand can help your insurance company determine what types of coverage you qualify for.
Your physician can provide you with your ICD code, which is essential for getting insurance approval for nutritional counseling.
Major insurance companies like Blue Cross Blue Shield, Medicare, United Healthcare, and Aetna all cover dietitian services.
However, it's essential to review your insurance plan to confirm coverage, as individual plans can vary.
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Finding a Dietitian
Finding a dietitian can be a straightforward process. You can use online platforms like Nourish to find a registered dietitian who specializes in your area of concern.
Fill out a brief form with your goals and any health conditions, and Nourish will recommend registered dietitians that match your needs.
You can also filter through hundreds of available providers based on criteria like language, state, concerns, and more to choose your preferred dietitian.
Sometimes, online resources and platforms can connect you with a registered dietitian for free or at a low cost, making it more accessible to get personalized nutritional advice.
It's worth noting that not all dietitians are created equal, and some may have more expertise in certain areas than others.
Health Insurance Providers
Health insurance providers vary in their coverage of nutritionist services. Some, like Anthem Blue Cross Blue Shield (BCBS) plans, cover nutrition therapy if you've been diagnosed with certain health conditions, such as diabetes.
A referral from your healthcare provider may be required to obtain coverage, and some plans may include a nutrition therapy benefit while others require it to be medically necessary.
BCBS plans, for example, typically cover nutrition therapy if you've been diagnosed with certain health conditions, such as diabetes. Aetna and Cigna also offer coverage for nutrition counseling sessions, but may have time limits on therapy sessions and require a referral from your healthcare provider.
Some insurance companies, like Aetna, may cover nutrition counseling sessions if you have a nutrition-related diagnosis, but may have time limits on therapy sessions, capping your time to 50 minutes per session.
Here's a list of some insurance providers and their coverage of nutritionist services:
- BCBS: Covers nutrition therapy if you've been diagnosed with certain health conditions, such as diabetes.
- Aetna: May cover nutrition counseling sessions if you have a nutrition-related diagnosis.
- Cigna: May cover nutrition therapy, but coverage can vary.
Aetna
Aetna may cover your nutrition counseling sessions if you have a nutrition-related diagnosis.
You may need to get a referral from your healthcare provider to qualify for this coverage.
Aetna has time limits on nutrition therapy sessions, capping them at 50 minutes per session.
Dietitians can offer independent nutrition counseling through their own businesses.
If you're struggling with an eating disorder, Aetna may cover your nutrition counseling sessions.
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Cigna
Cigna insurance plans may cover nutrition therapy, but the specifics can vary.
A referral and diagnosis from your physician are often required to get coverage.
In many cases, a diagnosis of binge eating or bulimia may be necessary to obtain coverage for nutrition therapy on a Cigna plan.
It's worth noting that individual circumstances can affect what's covered, so it's essential to review your policy or consult with your insurance provider for details.
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Medicare and Medicaid
Medicare provides coverage for medical nutrition therapy under certain circumstances, including for clients with diabetes, kidney disease, and kidney transplants within the past 36 months. Medicare will only cover services from licensed or certified registered dietitians/registered dietitian nutritionists in the state where the client lives.
To qualify for Medicare coverage, a client must be referred by a primary care physician to a nutritionist. The care must be provided by a registered dietitian, registered dietitian nutritionist, or another nutritional healthcare provider who meets Medicare's requirements in that state.
Medicare will cover limited medical nutrition therapy visits for patients with kidney disease or diabetes. Patients must receive nutritional counseling from a registered dietitian, registered dietitian nutritionist, or another nutritional professional who meets Medicare's requirements.
Medicaid, on the other hand, varies from state to state in terms of coverage for nutritionists. Some states, such as Vermont, California, Texas, New Jersey, New York, and Montana, include nutrition coverage, but the amount of coverage can vary widely.
Here are some states that cover the National Diabetes Prevention Program (National DPP), a program that may include the services of a nutritionist under Medical Nutrition Therapy:
- CA, MN, MT, NJ, NY, TX, and VT offer some form of Medicaid coverage for the National DPP
- MD and OR participated in a Medicaid Demonstration Project to show how the National DPP could work in those states
Private Healthcare Coverage
Private healthcare coverage for nutritionists can vary greatly depending on your insurance plan. Some policies may cover the services of a nutritionist no matter what, while others may cover them under certain conditions, such as a diagnosis of diabetes.
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Some private insurance plans only cover preventive services offered by a nutritionist, like nutrition counseling. All private insurers, however, must cover nutritional services to those at risk for chronic diseases, in the form of nutritional counseling, with no copayment charged, under the Affordable Care Act.
To confirm whether your private insurance plan covers nutritionist services, you should ask your provider if you are covered for nutrition counseling, how much you can spend annually, and what the billing and claims process is like.
You may need to be referred by a primary care provider to receive coverage for a nutritionist's services, and you may have to pay a copay to the nutritionist for services. Most private insurers will require that a nutritionist be registered through the CDR or state licensed/certified in order for their services to be covered or reimbursed.
Here are some key points to keep in mind:
- Some private insurance plans cover nutritionist services no matter what.
- Others cover them under certain conditions, such as a diagnosis of diabetes.
- Preventive services, like nutrition counseling, may be covered by some plans.
- All private insurers must cover nutritional services to those at risk for chronic diseases with no copayment.
Coverage Limitations and Requirements
Medicaid coverage for Medical Nutrition Therapy varies from state to state, and some states don't recognize Registered Dietitian Nutritionists as Medicaid providers.
In some states, Medicaid covers the National Diabetes Prevention Program (National DPP), but only certain states participate in this program. As of 2018, these states are CA, MN, MT, NJ, NY, TX, and VT.
Medicare Part B covers medical nutrition therapy under certain circumstances, but clients must be referred by a primary care physician to a nutritionist for coverage to occur.
Private health insurance plans may cover nutritionist services, but coverage varies depending on the plan. Some plans may cover services no matter what, while others may cover them under certain conditions.
If you have private health insurance, you should ask your provider if you're covered for nutrition counseling and what the billing and claims process is like.
You may only be eligible to receive compensation for a specific number of visits with a nutritionist, and some insurance plans may have a maximum amount they're willing to cover.
Not all insurance providers cover telehealth sessions, so be sure to confirm this before investing in these services.
Here are some key things to keep in mind when it comes to coverage limitations and requirements:
- Medicaid coverage varies from state to state
- Some states cover the National Diabetes Prevention Program (National DPP)
- Medicare Part B covers medical nutrition therapy under certain circumstances
- Private health insurance plans may cover nutritionist services, but coverage varies
- Some insurance plans may have a maximum amount they're willing to cover
- Not all insurance providers cover telehealth sessions
Sources
- https://www.nutritioned.org/insurance-cover-nutritionists/
- https://www.usenourish.com/blog/are-nutritionists-covered-by-insurance
- https://becomeanutritionist.org/blog/are-nutritionists-covered-by-insurance/
- https://www.faynutrition.com/post/does-insurance-cover-nutritionists
- https://www.chaineffect.us/does-insurance-cover-a-dietitian/
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