We are pleased to offer direct billing for most of practitioners with the following extended insurance providers:
- Manulife
- Sun Life Financial
- Chambers of Commerce Group Insurance Plan
- Canada Life/Great West Life
- Equitable Life
- Pacific Blue Cross
- Industrial Alliance
- Johnston Group
- Johnson Inc.
- GroupHealth
- GroupSource
- Green Shield Canada
- SSQ
- Medavie Blue Cross
- RWAM
- Cowan ESI
- Co-operators
- Desjardins
- Cinup
- & more!
*It is up to the policy holder to understand the terms of their policy and coverage. You can learn the details of your coverage by contacting your extended health carrier or your plan administrator.
You can also check if your policy includes an HSA (Health Spending Account). The funds in your HSA can be used towards services with all of our practitioners and all of our offered treatments. (You will have to submit on your own using the detailed receipts we provide after every transaction, as we are unable to direct bill to HSAs.)
You give us your policy number and ID (which is on your insurance pocket card), and we submit through the web portal. We will also require you to fill out some basic paper work online before your visit or when you come into the clinic. The portal will give us the exact amount of money that is covered for that visit. If the visit isn’t fully covered through your plan, you will be required to pay the remaining portion.
Occasionally.
- If your plan only covers a portion of the visit (ie. 80%), you will be responsible for paying the difference (ie. 20%) directly to the clinic. We usually collect this after your visit.
- If your plan does not cover a specific type of service (please check with your extended benefits plan if you are unsure). For example, some plans will cover the costs of a naturopathic appointments and lab tests ordered by your naturopathic doctor, while others will only cover the costs of appointments.
- If you have reached your spending limit for your plan we will be notified and you will have to pay the full visit amount.
Each plan is individual to the member, and depends on the following factors:
- Your employer.
- Your insurance company.
- The specific insurance plan your employer chooses from the insurance company.
For example, Pacific Blue Cross may cover 10% of the cost of chiropractic visits for some member plans and 100% for other member plans. Another example might be that your spouse has $500 per year for naturopathic services under Manulife, however, you might only have $300 per year under Sun Life Financial. The amount of coverage in your plan is decided upon by your employer and is often negotiated by unions.
- What is my coverage period?
- What categories of services does my plan cover?
- Do I have an annual deductible?
- What is the maximum amount covered per year for each category? (ie. dollar amount)
- Up to what amount is covered for each visit? Is this amount percentage based or a flat dollar rate? Is this amount different for initial visits versus return visits?
- Are labs and diagnostics covered under naturopathic services, or under another category?
- Do I have coverage for nutritional or herbal supplements recommended by a naturopathic doctor?
- Do I have coverage for prescriptions?
- Do I have a “health spending account” that can be used to cover the expenses that are not covered under my basic health plan? (A “health spending account” covers anything in the health and wellness field!)
