Payment & Insurance

Payment and Insurance

Upfront Payments

If you prefer to pay upfront for your treatments, we accept cash, Visa, Mastercard & Interac Debit
payments. You will be provided with a receipt that you can submit to your insurance provider for
reimbursement.

Claim Submission or Direct Billing Option

If you have an insurance plan that allows online billing:
We are able to direct bill with payment directed to us. Any co-payments or deductibles will be due
on the day of the session. OR

We are able to submit your claims with payment directed to you in which case, payment to us is
due after your session & our billing team will submit your claims so that you receive
reimbursement directly from your insurance plan.

We are able to submit claims for you to the following insurance companies.
BlueCross
BPA
Canada Life
Canadian Construction Workers Union (C.C.W.U.)
Chambers of Commerce (Johnston Group)
CINUP (Johnston Group)
ClaimSecure
Cowan (Express Scripts Canada)
Desjardins Insurance
Equitable Life
Empire Life
First Canadian (Johnston Group)
Greenshield
Group HEALTH
GMS Carriers 49 and 50 (Express Scripts Canada)
GroupSource
Industrial Alliance
Johnson (Express Scripts Canada)
Johnston GroupManion
Manulife Financial
Maximum Benefit (Johnston Group)
NexGen Rx

RWAM
Beneva (SSQ)
Sun Life Financial
The Cooperators
Union Benefits

Please note that some insurance plans are non-assignable, in which case, payment will be due from you
at the end of your session and we will submit the claim for you to receive reimbursement.
MOTOR VEHICLE ACCIDENT CLAIMS

If you were injured in a motor vehicle accident your auto insurance will fully cover your treatment and will
be billed directly for the treatments. If you have extended health benefits, they would need to be billed
first before being billed to your auto insurance. Ask our receptionist for details on how this works.

WSIB

The Workplace Safety and Insurance Board pays us directly for work related injuries.