Direct Billing to Insurance

Extended Health Care Benefits

Patients with Extended Health Care (EHC) insurance through their employer can typically have claims submitted directly to their insurance provider, allowing payments to be made to the clinic without any out-of-pocket expenses. Services like physiotherapy, chiropractic, massage therapy, and orthopaedic products such as bracing, compression socks, and custom orthotics may be covered up to 100%.

Any copays or deductibles not covered by your primary insurance can often be claimed through secondary insurance plans or paid out of pocket and claimed as a medical expense for income tax purposes.

Motor Vehicle Accident (MVA) Coverage

If you’re injured in a car accident, your Motor Vehicle Accident (MVA) insurance provides coverage for rehabilitation treatments, including physiotherapy, chiropractic, and massage therapy. We accept and provide direct billing to all motor vehicle insurance companies and will coordinate claims between your private and auto insurance coverage.

Current Ontario legislation requires that your private EHC plan be billed before submitting claims to your auto insurance provider, and our team will help navigate this process for you.

Workplace Injuries (WSIB)

Workplace injuries are covered through the Workplace Safety & Insurance Board (WSIB), which provides coverage for physiotherapy, chiropractic care, and massage therapy. If you’ve been injured at work, we accept and provide direct billing to WSIB for your convenience, minimizing your paperwork and allowing you to focus on recovery.

Insurance Providers

Here are the insurance companies we can direct-bill:

Canada Life
Blue Cross
Canada Life – PSHCP
Chambers of Commerce Group Insurance Plan
ClaimSecure
Cowan Insurance Group (managed by Express Scripts Canada)
Coughlin & Associates Ltd
Desjardins Insurance
Empire life
Equitable Life of Canada
First Canadian
GMS Carriers 49 and 50 (Express Scripts Canada)
GroupHEALTH

GroupSource
Greenshield
Industrial Alliance
Johnson Inc.
Johnston Group
LiUna Local 183
Manion Wilkins
Manulife Financial
MDM
Maximum Benefit
OTIP RAEO
RWAM
Simply Benefits
Sunlife

Frequently Asked Questions

Do you accept extended health benefits/insurance?

Yes! We accept all major insurance providers and will directly bill on your behalf. If direct billing isn’t possible with your particular provider, our staff will provide you with official invoices and receipts for all your claiming purposes.

How does direct billing work?

If your insurance company allows for direct billing, our staff can submit claims on your behalf. Based on the terms of your policy, your insurance company will cover any eligible costs and allow direct payment to the clinic. If your service is covered at 100%, there will be no out-of-pocket cost to you.

However, if your service is not covered at 100%, you will be responsible for paying any remaining balances. In some cases, payment may go directly to the plan member, in which case you will need to provide payment to the clinic at the time of the service.

It is always a good idea to check with your healthcare provider about their billing policies and procedures before receiving any healthcare services. This can help you understand what services are covered and if there are percentage limits, deductibles, or copays that may apply.

How much insurance coverage do I have?

Every policy differs significantly. You’ll need to check with your insurance provider for specific details about your coverage. As a service provider, we don’t have access to that information, but we’re happy to help you understand how to check your benefits.

Ready to Book Your Appointment?

Contact us today at (905) 851-2444 or book online through our patient portal. We’ll help you maximize your insurance benefits while providing the exceptional care you deserve.

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