» Insurance, Billing & Payment

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Insurance, Billing & Payment

Q: How does the billing and payment process work?

Most extended health insurance plans cover the cost of the services at Physio First.  Payment is required at the end of each session. You will be provided with a receipt will all the appropriate information regarding your appointment and practitioner that your insurance company may require. If you have health insurance that covers your treatment you can send your receipt to your insurance company along with a claim form for reimbursement. Your insurance provider may also require that you send a referral for treatment from your doctor.

Recently, Great West Life and Sunlife insurance companies have approved registered Physiotherapy clinics such as Physio First to perform direct online billing on behalf of patients.  We can assist you to inquire and see if your insurance plan approves direct online billing for you.  

If you are being treated for injuries sustained in a car accident or a work-related injury we do not require payment directly from you. After your initial assessment we will submit the appropriate proposed treatment plan to your insurance company and upon approval of the plan we can bill your insurance company or WSIB directly.

Additional information you should ask your insurance company

The extent of coverage varies greatly from one plan to another. It is best to call your insurance company to confirm the details of your coverage. Our friendly office staff would be pleased to help you with any questions or concerns you may have.  Examples of questions you may ask include:

  • Is my insurance plan covered on a calendar year basis? When do my benefits refresh?
  • How much coverage do I have per year? (e.g. $500/year)
  • How much coverage do I have per visit? (e.g. $80/visit)
  • How much percentage does my insurance cover? (e.g. $500/year at 80% or 100%)
  • Does my insurance cover Physiotherapy, Massage Therapy etc. separately or is it a combined maximum?
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