Direct Billing & Claims
Direct Billing & Claims
Direct Billing at Kitchener Physiotherapy & Wellness in Kitchener, Ontario
At Kitchener Physiotherapy & Wellness, we make things easier for you to access care by offering direct billing. When your insurance plan allows, we submit claims directly to your insurer on your behalf so you can focus on recovery rather than paperwork.
No reimbursement delays! Let our admin team handle the process from start to finish.
Extended Health Direct Billing in Kitchener
Many extended health benefit plans include coverage for rehab services. If your policy permits, our clinic submits claims electronically using the details you provide.
- Bring your policy and member information to your appointment
- We verify eligibility and submit the claim
- If your plan covers less than the full visit cost, you pay only the remaining portion
In most cases, physiotherapy and other care at Kitchener Physiotherapy & Wellness do not require a physician referral, though some insurance companies' plans may require one to provide a reimbursement, so coverage verification is completed before treatment.
Insurance Providers We Commonly Bill
We work with a wide range of insurers used across Ontario workplace and individual plans. Coverage availability depends on your specific benefits package.
Examples include major national providers, workplace injury programs, and motor vehicle accident insurers. Contact our front desk to confirm compatibility with your policy.
Kitchener Physiotherapy & Wellness offers direct billing to:
SunLife, Blue Cross, CINUP, Cowan, GSC, Desjardins, Great-West Life, Chamber of Commerce Group, SSQ, Manulife, Maximum Benefit, RBC Insurance, WSIB, IA Financial Group, Canada Life, Claim Secure, Equitable Life, Green Shield, Manion Wilkins, Empire Life, MDM Insurance, MVA, GroupHealth, Cowan insurance, D.A Townley, First Canadian Insurance, Johnson Inc, LiUNa Local, BPA, RWAM insurance, Beneva, co-operators, Next Gen, Desjardins insurance, union benefits, and more.
How does direct billing work for extended health benefits?
With your permission, Kitchener Physiotherapy &Wellness will submit your claim to an online portal for services you received at our location. You need to provide us with your insurance policy number and member ID. Your portal will give us an idea on the exact amount that your benefit plan will cover and you may need to pay the remaining portion, depending on your coverage plan.
(Note: Most insurance companies offer direct billing, but not all.)
Will I need to pay anything?
You may need to pay the remainder of your visit fee, depending on insurance plan. If your insurance company covers 100% of your cost, then you don’t need to pay anything. If your insurance company covers 80% of your visit, then you need to pay the remaining 20%.
What treatment you will direct bill for?
We offer direct billing for all of your physiotherapy and massage services.
Do I need a doctor’s referral for my physiotherapy or massage therapy?
In Ontario, you have direct access to physiotherapy and massage services, which means that you can obtain the services without a referral from your doctor. However, some insurance plans require a doctor’s referral, so be sure to check your coverage prior to your visit.
What if I have several insurance plans? Do you offer co-ordination of benefits?
Unfortunately, Portal allows only one insurance plan to be direct billed. Hence you need to pay the remainder of the portion owed to the clinic. We provide itemized receipts as needed.
Do I get a receipt?
Yes, you will get a receipt for the remainder of the portion that you payed to the clinic. For direct billing patients, we can provide you with the statement submitted to online portal.
What If my insurance company denies or cannot process my billing?
You can pay us directly and get reimbursed from insurance company. We accept e-transfer, Visa, MasterCard, Debit or cash. We will provide you with the receipt for you to submit to your insurance company.
What if I have further questions?
For additional information please contact us at 226-215-3114.
How do you bill for motor vehicle accident injury physiotherapy?
We do direct billing for MVA patients. However, for Motor vehicle Accident Billing we need to follow FSRA guidelines. If you have extended health benefits, we are required to use your private benefits prior to billing your car insurance company as per FSRA. For additional information please contact us at 226-215-3114.
How do you bill physiotherapy for work related injuries (WSIB)?
Work related injuries are covered with wsib for physiotherapy in kitchener. We do direct billing to the Workplace Safety Insurance Board. Prior to booking your appointment with us, you should report your injury to your employer and submit appropriate paperwork to the WSIB. For additional information please contact us at 226-215-3114.
Direct Billing FAQs
How does direct billing work?
With your consent, we transmit claims electronically after each session using your policy details. This reduces administrative steps for you while ensuring accurate submission to your provider.
Will I have to pay anything?
If coverage is 100%, you pay nothing at the appointment. If coverage is partial, you cover the difference between the billed amount and your insurer’s reimbursement level.
What services are eligible?
Eligible services typically include physiotherapy, massage therapy, shockwave treatments, acupuncture, dry needling, laser therapy, pelvic health, concussion and vestibular therapy, spinal decompression, kinesiology & personal training, and sports rehabilitation services when covered by your plan.
Is a referral required?
Ontario allows direct access to physiotherapy and massage therapy without referral in most situations. Some insurers may require documentation later, which can be submitted after treatment begins.
Motor Vehicle Accident Claims (MVA)
If you’ve been injured in a collision, our clinic can coordinate billing directly with auto insurers following provincial guidelines. Provide claim details, identification, and policy information to start treatment without upfront costs.
Learn MoreWorkplace Injury Coverage (WSIB)
For work-related injuries, treatment may be covered through workplace safety insurance once a claim is active. Bring your claim number and employment details, and we manage submission and treatment authorization.
Learn MoreRefugee Program Coverage
Eligible patients under federal health programs may receive physiotherapy services billed directly to approved plans. Coverage details vary, and documentation confirming eligibility is required prior to treatment.
Learn MoreBook Direct-Billed Physiotherapy or Massage in Kitchener
Choosing a clinic that manages insurance submissions can make rehabilitation far more convenient. Whether you need injury recovery, chronic pain management, or preventative care, our team provides streamlined access to treatment in Kitchener.
Contact Kitchener Physiotherapy & Wellness today to verify coverage and schedule your visit.