Direct Billing for Ontario Therapy
I’m now offering direct billing to many insurance companies!
I am now able to provide direct billing for therapy with some health insurance plans.
If you have health insurance, here are the steps to check and see if this applies to you.
Check the list below to see if your health insurance qualifies for direct billing.
Contact your health insurance directly and ask them if your policy covers psychotherapy.
*Some insurance plans have a cap on how much they reimburse per session, or they may require a minimum copay. It is also helpful to know if you have a cap on coverage per year, so we can plan accordingly when your coverage is up. Make sure to ask so we can know what to expect.
If you qualify, great! Reach out to me and let me know. I’ll send you a consent form that allows me to bill directly. During our next appointment, make sure to have your insurance coverage information ready. We will go over the process together in case you have any questions.
Different types of direct billing:
Every insurance company has their own policies when it comes to direct billing.
Some allow for therapists/practitioners to bill directly to the insurance company on behalf of their clients, and the payment for service will go directly to the provider.
Other insurance companies allow for therapists/practitioners to bill directly on behalf of their clients, but the payment reimbursement goes directly to the client. If this is the case for you, that means you will still have to pay for your session up front, and receive your reimbursement later from your insurance company.
Why your health insurance may not allow for psychotherapy/direct billing:
Every insurance company, and every insurance plan, is different. Not all health insurance companies/health insurance plans cover psychotherapists. Additionally, not all health insurance companies allow for psychotherapists to bill directly. Check with your health insurance provider directly to verify if you are covered.
Health Insurance plans I am able to bill directly:
providerConnect
GreenShield
SSQ Insurance (Beneva)
TELUS eClaims
BPA - Benefit Plan Administrators
Canada Life
Canada Life - PSHCP
Canadian Construction Workers Union (C.C.W.U.)
Chambers of Commerce Group Insurance Plan
CINUP
ClaimSecure (direct billing for mental health claims or claims for social workers may not be accepted)
Coughlin & Associates
Cowan (direct billing for mental health claims or claims for social workers may not be accepted)
D.A. Townley
Desjardins Insurance
Eclipse Financial
Equitable Life
First Canadian
GMS Carrier 49 (direct billing for mental health claims or claims for social workers may not be accepted)
GMS Carrier 50 (direct billing for mental health claims or claims for social workers may not be accepted)
GroupHEALTH (direct billing for mental health claims or claims for social workers may not be accepted)
GroupSource
Industrial Alliance
Johnson Inc.
Johnston Group
Beneva Inc. (formerly La Capitale Financial Group)
LiUna Local 183
LiUna Local 506
Manion (direct billing for mental health claims or claims for psychotherapists may not be accepted)
Manulife Financial * Manulife allows providers to bill directly on behalf of their clients, however payment reimbursement goes directly to client. Meaning I can bill on your behalf, but you will still be required to pay upfront.)
MDM Insurance Services
Maximum Benefit
Pacific Blue Cross
People Corporation
ProBenefits
RWAM Insurance Administrators
Simply Benefits
TELUS AdjudiCare
Union Benefits
UV Insurance
Medavie Blue Cross
*Please note: At this time, Sunlife Financial does not allow direct billing for any mental health services, including registered psychotherapists, registered social workers, certified counsellors or psychologists.
