Insurance & Physiotherapy

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 help finding a physiotherapist in your area, click on Find-a-Physio above.

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.

Some questions to ask:

• Do you require a physician's referral? Although physiotherapists are primary access practitioners under the Regulated Health Professions Act and do not require a physician referral to treat, some insurers still require it before they will pay for the service.
• Does your insurance have a per-visit maximum ? meaning, will they only pay up to a certain amount per visit? If the physiotherapist's rate is higher, you will be responsible for the difference.
• 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.
• 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?