Frequently Asked Questions

Dr. Ray offers a transformative, results-driven, patient-centered approach to natural healthcare — integrating traditional Afro-Indigenous healing wisdom with evidence-based naturopathic medicine.Her concierge membership model ensures continuity of care with a doctor who truly knows you, with treatment plans fully customized to your unique needs. This depth of relationship strengthens both diagnosis and long-term wellness outcomes.To find out if Dr. Ray's services are the right fit, schedule a free 20-minute discovery call. All new patients are required to complete one before booking.This call is where we explore your health goals, walk through Dr. Ray's clinical approach, and review costs — these details are discussed by phone only, not over email or messaging.

No — Dr. Ray is not contracted with any health insurance plans. Most insurers in Maryland, California, and New Hampshire still don't cover naturopathic doctors, or reimburse them at limited, inequitable rates as out-of-network providers. Check directly with your plan to confirm your specific coverage.Dr. Ray's practice runs on a self-pay, direct-care model — no insurance middleman, no care limited by what a plan will approve.HSA/FSA: Dr. Ray accepts HSA/FSA cards for qualifying services. Two updates worth knowing for 2026: under new IRS rules (OBBBA/Notice 2026-5), direct-care membership fees like Dr. Ray's may now qualify for HSA use in a way they didn't before — ask your HSA administrator whether her fee structure meets the criteria. Separately, general wellness items/services without a diagnosed medical condition attached still don't qualify under IRS rules, so some services may not be FSA/HSA-eligible even if others are. When in doubt, check with your plan administrator before using those funds.Note: insurance coverage questions above apply to medical visits only — they don't apply to health coaching services, which are not a medical service and are not insurance-billable regardless of state.Upon request, Dr. Ray can provide a superbill for self-submission to your insurer for possible reimbursement.Learn more: naturopathic.org/page/Insurance

Yes! Dr. Ray's Concierge Membership is offered as a monthly subscription, with a 1-year or 2-year commitment — plans start as low as $100/month.Prefer a different pace? Patients can also pay in full upfront, or request a biannual or quarterly payment arrangement if that works better for your budget.To learn more and see which plan fits, schedule a Discovery Call if you're a new patient, or email Dr. Ray if you're an established patient.

Yes! You can see Dr. Ray even if you already have another primary care doctor and/or specialist. She also offers second-opinion consults.Dr. Ray's practice offers a range of services — wellness coaching, medical care, educational content, and intuitive medium services — so you can choose the healing path that best fits your unique needs.Dr. Ray can serve as your primary care doctor (PCP) or adjunct PCP in licensed states of California and New Hampshire. For patients in Maryland, you can view the ND scope of practice here.For out-of-state clients, Dr. Ray can serve as your health coach and natural wellness educator, teaching you non-medical, natural approaches to restoring your well-being.Whatever capacity you need, your healing has a safe space to progress here. Let's work together!

As a licensed naturopathic doctor, Dr. Ray can legally prescribe a range of pharmaceuticals in California and New Hampshire. In Maryland, she is not yet able to prescribe pharmaceuticals. Most patients have their medications prescribed and monitored by their primary care provider or specialist.Dr. Ray actively co-manages patients on pharmaceutical therapy and can safely wean them off certain medications as their symptoms resolve through natural treatment.Please note: Dr. Ray never prescribes medication as a first-line treatment unless it's truly necessary for a patient's safety and well-being.The goal is always to help patients heal naturally — using nutrition, herbs, lifestyle management, and other non-pharmaceutical therapies as the primary approach.

Dr. Ray, ND, MS, is board-certified and licensed in three states: California, Maryland, and New Hampshire. As a licensed ND, she can provide medical services, order labs, make medical diagnoses, and deliver natural, integrated treatments.In states where she isn't licensed, Dr. Ray can still work with you as a medical consultant and health coach — giving you high-quality wellness support and access to functional lab testing.For more information, contact Dr. Ray or book a free discovery call here.