2600 Skymark Ave., BLDG 3, Unit 102, Mississauga, ON., L4W5B2
2600 Skymark Ave., BLDG 3, Unit 102, Mississauga, ON., L4W5B2
Direct Billing & Insurance Coverage
If your insurance plan allows direct billing, we use it. You pay nothing up front for the portion your plan covers; and we submit the claim for you while you are still in the clinic, and you settle only the remainder, if there is one.
We do this for every insurer that permits it. If yours does not allow direct billing, we will give you a receipt formatted for submission and walk you through it, so you are not left figuring out a claim form on your own.
Insurers we direct bill
These are the plans we work with most often:
- Sun Life
- Manulife
- Canada Life
- Green Shield Canada
- Desjardins Insurance
- Empire Life
- Equitable Life
- Beneva
- Industrial Alliance (iA Financial Group)
- Medavie Blue Cross
- ClaimSecure
- Johnston Group
- Maximum Benefit
- GroupSource
- RWAM Insurance Administrators
- Chambers of Commerce Group Insurance
- Cowan Insurance Group
- Simply Benefits
Do not see your provider? Call us at (647) 998-4727 the list changes, and we will check yours in a minute.
No paperwork on your side
Insurance is the part of treatment people dread, and it is the part most likely to stop someone booking at all. That is why we handle it. Our front desk confirms your coverage before your first appointment, submits claims on your behalf, and manages the forms for motor vehicle accident and workplace injury claims from start to finish.
You focus on recovering. We will deal with the insurer.
THREE SIMPLE STEPS
How direct billing works
Bring your plan details
Bring your insurance card, or just your policy and member number, to your first visit with a piece of ID. If you would rather sort it out beforehand, call us at (647) 998-4727 and we will confirm your coverage in advance.
We submit the claim
We submit your claim electronically while you are still in the clinic. Most insurers respond within seconds, so you will usually know what is covered before you leave.
You pay only the difference
If your plan covers the full visit, you pay nothing. If it covers part, you pay only the remainder. No waiting weeks for a reimbursement cheque.
COVERAGE OPTIONS
Other ways your treatment may be covered
Motor vehicle accident (MVA)
If you were injured in a car accident, your auto insurer — not your health plan — is the first payer. We prepare and submit the OCF-18 treatment plan on your behalf and bill your auto insurer directly. In most cases there is no out-of-pocket cost for approved treatment. You do not need to have been at fault, and using your accident benefits does not raise your premium.
Workplace injury (WSIB)
Injured at work? We bill WSIB directly and handle the reporting, so there is nothing for you to submit.
Extended health benefits
Most workplace and personal health plans include physiotherapy and massage therapy. Coverage is usually an annual dollar maximum, sometimes with a per-visit cap. We will confirm yours before your first appointment.
Paying privately
No coverage is fine. We will give you a clear price before you book, with no surprises at the desk. Ask us about treatment packages if you are planning a course of care.
COMMON QUESTIONS
Insurance and billing questions
If your insurer allows direct billing, yes. We direct bill every provider that permits it, including Sun Life, Manulife, Canada Life, Green Shield and most major plans. If your insurer does not allow it, we will give you a properly formatted receipt to submit yourself and help you through it.
If your insurer is not on our list, please call our office at 647-998-4727 to provide the details of your insurance company and we will confirm the possiblity of direct billing.
Give us your policy and member number and we'll check for you before your first appointment. Most plans have an annual maximum for physiotherapy, sometimes with a limit per visit. Knowing your number up front means no surprises later. Otherwise, you can contact your insurance directly and request this information.
Not at private clinics like ours. OHIP-funded physiotherapy in Ontario is only available at designated Community Physiotherapy Clinics, and
only for specific groups: people aged 65 and over, people 19 and under, anyone of any age within 12 months of an overnight hospital stay or day
surgery, and Ontario Works or ODSP recipients. If you fall into one of those categories and would prefer publicly funded care, we're happy to point you toward a Community Physiotherapy Clinic. Otherwise, treatment here is covered by extended health benefits, auto insurance, WSIB, or paid privately.
In most cases, no. Treatment for injuries from a motor vehicle accident is paid by your auto insurer under Ontario's accident benefits, not by
you and not by your health plan. We prepare the OCF-18 treatment plan, submit it, and bill the insurer directly. It doesn't matter whether you
were at fault, and making an accident benefits claim does not increase your premium.
Not to be treated here. You can book directly. But some insurance plans require a referral before they'll reimburse, so it's worth checking your policy. We'll tell you if yours needs one.
That's common when both partners have workplace benefits. Whenever possible, we will submit the insurance to your primary provider and bill the rest to secondary. However, sometimes insurance do not allow this type of coordination at the clinic level. If this is the case, we will submit the primary and provide you with a receipt to submit to your secondary insurance provider.
We'll tell you right away, explain why, and help you resolve it. Denials are usually something straightforward: an expired policy number, an annual maximum already reached, or a missing referral.