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Physiotherapy Direct Billing and Insurance

How insurance for physiotherapy works in Ontario

Most people pay for physiotherapy through one of three routes: an extended health plan from an employer or school, a claim with WSIB for a workplace injury, or an auto insurance claim after a motor vehicle accident. Some people pay out of pocket.

Each plan sets its own rules. Common ones include a yearly dollar limit, a limit on the number of visits, a percentage the plan pays, and a requirement that the therapist be registered with the College of Physiotherapists of Ontario. Your benefits booklet or your insurer's member portal shows your numbers.

Direct billing at InHealth

We provide direct billing to most insurance companies. That means we can often bill your plan for you, so you pay only the portion your plan does not cover. Whether this works for you depends on your plan and its rules, 

Workplace injuries and car accidents

InHealth is listed in the WSIB Musculoskeletal Program of Care directory and provides direct billing to WSIB. We are also enrolled with HCAI for motor vehicle accident claims. Coverage and approval decisions belong to WSIB and your insurer. Call us if you have a claim and want to talk through the next step.

Are you OHIP funded?

No. InHealth physiotherapy is not OHIP funded. If you need OHIP-funded physiotherapy, ask your doctor, or Click here to find a OHIP physiotherapy clinic near you. 

Questions to ask your insurer before your first visit

Calling your insurer takes a few minutes and avoids surprises. Ask:

  • Is physiotherapy covered, and under which category? Some plans group it with massage or chiropractic and share one limit.

  • What is my yearly limit, and how much have I used?

  • Does the plan pay a percentage or a fixed amount per visit?

  • Do I need a doctor's referral for the plan to pay?

  • Can the clinic bill the plan directly, or do I pay and submit a claim?

  • Are services such as acupuncture or custom orthotics covered separately?

Frequently asked questions

Does InHealth bill my insurance? We provide direct billing to most insurance companies. Direct billing depends on your plan.

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Do I need a referral to book? Some insurance plans ask for a referral before they pay, so check your plan first. You can also call us and ask.

 

What if my plan does not cover physiotherapy? Call 416-937-8237 and we will talk through your options.

 

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