Insurance

We Accept All Extended Health Care Plans,
Motor Vehicle Insurance, and WSIB

You do not require extended health coverage to receive treatment. Ask about our rates.

Physiotherapy services are recognized by many insurers as an essential component of any extended health benefits package. As a consumer, you have the right to choose the physiotherapist that’s right for you and who meets your specific treatment needs. If you need physiotherapy services and are covered by an insurance plan, it is important that you find out as much as you can about your coverage before seeing the physiotherapist. We are happy to assist you in this process.

Physician Referral not Required

Physiotherapists are primary care professionals (just like Doctors  and Dentists) meaning you can go directly to a physiotherapist. You do not require a doctor’s referral to see a physiotherapist, however some Insurance companies may require a doctor’s referral before they will reimburse costs. You can choose to attend any rehabilitation facility regardless of your place of employment, the name of the clinic on your prescription, or your medical provider.

Physiotherapy Diagram

WSIB & Physiotherapy

Many injured workers require a physiotherapist to assess and treat their workplace injuries and to help them reintegrate into the workforce. Under the Workplace Safety and Insurance Act, injured workers have the right to choose the practitioner from which they receive care and the right to consult a physiotherapist without a referral from a physician or any other health-care practitioner. In many cases, being assessed by a physiotherapist and beginning treatment as soon as possible after an injury speeds return to work and increases the likelihood of full recovery.

Injured workers should understand, however, that their treating practitioner by law must disclose their patients’ condition, course and outcome of treatment to the WSIB.

Some Questions to Ask


Do you require a physician’s referral?

Physiotherapists are primary access practitioners under the Regulated Health Professions Act and do not require a physician referral to treat, however some insurers still require it before they will pay for the service.


Does your insurance have a per-visit maximum?

In other words, will they only pay up to a certain amount per visit?


Does your plan have an annual limit?


Is your physiotherapy coverage combined with any other healthcare?

Some plans have a total amount that they will pay for a group of health care providers, e.g. Massage Therapy and Physiotherapy together or separate?


How does your insurance company handle claims?

Can the physiotherapist bill them directly for their services, or do you have to pay up front and submit an invoice?

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