You are a Health Coach, not a Registered Dietitian (RD). You gave a client a “Gut Healing Meal Plan” that was highly restrictive. The client, who had a history of anorexia (undisclosed), relapsed severely and was hospitalized. The family is suing you for causing bodily injury and practicing dietetics without a license.
Key Takeaways
- RD vs. Coach Scope: In many states (Red/Orange states on the licensure map), only RDs can prescribe meal plans. Coaches can only offer general education. Crossing this line voids insurance.
- Bodily Injury Coverage: Eating disorders lead to physical damage (heart failure). You need a policy that covers Bodily Injury arising from professional advice.
- The “Intake” Defense: Did you ask about Eating Disorder history? If not, you were negligent.
- Holistic vs. Medical: Insurance covers “Holistic Nutrition” only if you stay within the non-medical scope.
The “Why” (The Trap): The Meal Plan Trap
I see Health Coaches selling “Custom Meal Plans” constantly.
The Trap: In states like Ohio or Florida, giving a custom plan to treat a symptom (gut health) is Medical Nutrition Therapy (MNT). It is illegal for a coach.
If you are sued, the insurance adjuster checks the state law. If you broke the law by practicing dietetics, the “Illegal Acts” exclusion applies. You are paying the settlement yourself.
The Investigation: Safe Nutrition Coverage
I looked at policies for Health Coaches.
1. Alternative Balance
- My Analysis: Great for Health Coaches.
- The Condition: They explicitly state you must work within your scope. They provide a sample “Scope of Practice” document. Use it.
2. CM&F Group
- My Analysis: Covers “Health & Wellness Coach.”
- The Limit:
1M/1M/3M. - The Warning: Do not use the word “Prescribe” or “Treat.” Use “Suggest” or “Educate.”
Comparison Table: What Can You Say?
| Advice | Insurance Status | Risk Level |
| “Eat more veggies.” | Covered | Low |
| “Here is a 7-day meal plan for you.” | Risky (State dependent) | Medium |
| “Eat this to cure your IBS.” | Denied (Medical claim) | Extreme |
[IMAGE: Map of the US showing states with ‘Exclusive Scope of Practice’ for Dietitians]
Step-by-Step Action Plan
- Check the “Red States”: Google “Nutrition Licensure Map 2026.” If you are in a Red state, stop selling meal plans immediately.
- Use “Sample” Plans: Do not sell “Custom” plans. Sell “Sample Educational Templates.” The wording matters.
- The ED Screening: Add a question to your intake: “Do you have a history of disordered eating?” If yes, refer to an RD/Therapist. Do not treat them alone.
- Collaborate: Partner with an RD. You do the coaching (habits), they do the food (plan). This splits the liability and keeps you safe.
FAQ Section
Can I recommend supplements?
High risk. If they have a reaction, you are liable. Always say: “Ask your doctor before starting this supplement.”
What if I call myself a ‘Nutritionist’ instead of ‘Dietitian’?
“Nutritionist” is unregulated in some states, regulated in others. Know your local law. Insurance follows the law.
Does my certification (IIN, Precision Nutrition) cover me?
No. It gives you education, not legal authority. You still must obey state licensure laws.