Insurance Frequently Asked Questions (F.A.Q.)

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1.  Am I covered by O.H.I.P.?

• Chiropractic care is no longer covered by O.H.I.P. 

• You may be covered by your Employee or Group Benefits Insurance

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The following are covered by your Car Insurance (State Farm, Allstate etc.) and Ontario Government (WSIB) respectively  

• Auto Accident Rehab

• Workplace Injury Rehab

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2. Types of insurance billing?

• Pay then submit billing: is the most common format used by insurance companies where, you send your receipts to the insurance company and obtain reimbursement. Our office will provide you with a statement that contains all the information your insurance company will need. Please do not hesitate to contact us for any assistance. Below are the insurance coverage forms for some of the major insurance providers:​

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• Co-operators

• Desjardin (Imperial Life)

• Green Shield

• Manulife

• Empire Life

• Sunlife

• Canada Life

• SSQ Insurance

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• Direct billing the insurance company:  In order to process direct billing, we need to first contact your insurance company, either through phone or online portal, to confirm if an assignment of benefits (direct billing) is allowed under your policy and to check other requirements (e.g. doctor’s prescription, medical deducible etc.). You will be requested to fill out and sign a direct billing application form. Please note that insurance plans will cover only approved services. After all the necessary forms are signed and approved, we will prepare your insurance claim forms for the direct billing for our regular patients. 

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•  Electronic billing: is not available for alternative health care in Ontario. Therefore, we are unable to obtain your insurance coverage details by swiping your card.
  
  Not sure how to submit your claims for reimbursement? Bring in your extended health claim form or download them from our website (see our list of insurance company claims forms) and our staff will guide you through the process.
  
  Please note. All insurance company require the consent from the policy holder before we are given any information about your policy, this is done to protect your privacy. Consent must be given in our office and not over the phone.
   

3. Do I need a prescription from my family doctor to be reimbursed?

• For chiropractic services, it is not required.

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4. How much coverage do I have?

• The amount for your coverage is determined by the policy your employer has purchased from the insurance company. We can contact your insurance company, by phone, to determine your coverage amount for our services and prescription requirement.
  
  Please note. All insurance company require the consent from the policy holder before we are given any information about your policy, this is done to protect your privacy. Consent must be given in our office and not over the phone.