Extended Health Benefits / Private Pay

Your extended health benefits plan may cover the cost of physiotherapy (splinting, acupuncture, or massage) in part or in whole.

Please contact your extended health insurance company to determine whether

  1. Physiotherapy is covered under your plan.
  2. What is your benefit year (eg. January 1 – December 31)
  3. What is the annual maximum for your physiotherapy coverage (eg. $500/year)
  4. What is your treatment maximum (eg. $50/session)
  5. What is the percentage coverage (eg. 80%/session)

Depending on your extended health insurance company you may be eligible for reimbursement, direct billing, or online billing.


Typically, you will be required to pay for your session at the end of your visit.  You will need to submit a claim form, invoice and original receipt to your insurance company. Once your extended health company receives the required paperwork, they will then reimburse you. The amount reimbursed is dependent on your plan coverage for physiotherapy treatments.

Direct Billing

Some extended health insurance companies allow us to direct bill online for services rendered (eg. Blue Cross).  You may need to sign an authorization form allowing our clinic to direct bill online.  The amount covered is dependent on your plan coverage for physiotherapy treatments. Once the claim is processed, you will be given a statement along with an invoice that will state the amount to be paid by the extended health company and the remaining amount not covered that you are responsible for paying.

Please feel free to contact our office to see if your extended health plan allows direct billing for physiotherapy, splinting, acupuncture or massage.

Self Pay

Treatment costs not directly covered by your extended health insurance plans will be billed directly to you, the patient. You may pay by Cash, Debit, Visa or Mastercard. You will be given an invoice and receipt of payment.