Coverage Options

All of our services/programs and products that we carry are either covered or payable by a number of options.

• Direct Billing to Insurance Companies
• Extended Health Insurance
• Self Pay
• Motor Vehicle Insurance
• Workers Safety & Insurance Board (W.S.I.B.)

Direct Billing To Insurance Companies

Direct Billing to insurance companies is a convenient fast way to have services billed directly and electronically to your insurance carrier. Presently there are several insurance companies that allow direct billing, such as Sunlife and Great West Life, but others are slowly adopting electronic direct billing. Your insurance covers services as outlined by your employer so that each plan has their own specific coverage. Some of the insurance companies may require a doctor’s referral to bill for some services, although a majority of them do not. Presently the system is set up to allow direct billing for all our paramedical services such as Physiotherapy, Massage Therapy and Acupuncture. Services such as Custom made foot orthotics and compression hosiery/socks cannot be billed electronically as there are more provisions and documents that need to be provided.

Extended Health Insurance

If your Extended Health Insurance does not allow direct billing we can still help to prepare the documentation and forms needed to be reimbursed. We also can call and verify insurance information provided we have the details of the plan. Some of the insurance companies may need your verbal authorization to release coverage information. We can send insurance claims on your behalf to your insurance carrier however the carrier will reimburse the plan member for services rendered. To facilitate this each visit/service would have to be paid on an ongoing basis. The reimbursement of the services will depend on your specific coverage for the services rendered.

Self-Pay

For those that do not have any insurance coverage or choose to pay for services and submit their own claims we accept the following forms of payment.

• Visa
• Mastercard
• Debit
• Cash

Motor Vehicle Insurance

If you have been involved in a motor vehicle accident we can electronically bill your auto insurance directly. For your insurance claim to be approved, your Auto insurance will require an accident benefit package be filled out and sent to them for consideration (these forms are mailed out to you once the accident has been reported). It is often advisable that you seek medical help at your earliest convenience as the injuries are often treated much more quickly when they are in an acute stage (early stage). Your insurance will also require an Initial Treatment plan and assessment to be sent to them (We will assess you on your initial visit and develop and forward a treatment plan electronically to your auto insurance). Your auto insurance will usually authorize treatments and respond to us directly. Please note that for an auto insurance claim to be processed we will require your extended health insurance (if you have extended health) be billed first for services (this is the law in Ontario).  Your extended health insurance may require a doctor’s referral for your extended health. As well all payments once approved will be directly paid to our facility.

Workplace Safety and Insurance Board (W.S.I.B.)

We also accept WSIB claims as long as you have a valid and approved claim number. The claim number is provided by your employer/workplace and services can be directly billed to WSIB on your behalf. We will also require a date of accident and contact name of your employer. Please note that WSIB will only cover the injury sustained at work and not any pre-existing injuries.

If you have any questions regarding coverage information and options to pay for services please contact our staff at Dynamic Physiotherapy.