Using Extended Health Benefits
Many extended health plans reimburse psychotherapy, but coverage depends on the plan, the therapist’s regulated title, supervision arrangement, service type, yearly limit, and claim rules. Therapedia Centre provides receipts for paid services, while the insurer alone decides reimbursement.
Check Before You Book
A benefits summary may list psychology, social work, or psychotherapy separately. It may also set different limits for dependants, couples, family sessions, trainees, or virtual care. Asking with the exact provider information gives a more reliable answer than asking whether therapy is covered in general.
How Insurance Reimbursement Works
Unless direct billing has been specifically confirmed, clients pay the clinic and submit a receipt. The receipt can include the information required by professional standards, but it does not guarantee approval. Coverage disputes remain between the member and insurer.
Claims and Receipts
Name, regulated title, registration number, and clinic information.
Client name, date, duration, service, fee, and payment method as applicable.
Claim deadline, online submission route, coordination order, and audit requirements.
Ask what clinical information the insurer requests before authorizing its release.
Therapedia's Role
Identify the Clinician
Share the proposed therapist's title and registration information.
Issue Appropriate Receipts
Document paid services according to applicable professional requirements.
Protect Clinical Boundaries
Discuss insurer requests for reports or records separately from routine receipts.
Services to Verify
One-to-one therapy delivered by an eligible regulated professional.
Coverage may depend on who is listed as the client and the provider credential.
Reimbursement may follow the regulated provider rather than the method name.
Some plans exclude groups or use different limits, so confirm specifically.
Every therapist brings a unique combination of expertise, compassion, and lived understanding.
Obtain the therapist’s credential, registration status, fee, and service format.
Verify eligibility, limits, exclusions, referral rules, and receipt requirements.
Save written confirmation when possible and submit receipts within the plan deadline.
Private-practice psychotherapy is not automatically covered by OHIP. Some physician, hospital, or publicly funded services follow different rules.
Some plans do and others cover only psychologists or social workers. Confirm the exact regulated title with your insurer.
Confirm the current payment process with the clinic before booking. If you pay first, you may submit the issued receipt, but reimbursement is not guaranteed.
It may be reimbursed when delivered by a professional whose credential is eligible under the plan. Ask using the exact therapist information.
Possibly. Coordination-of-benefits rules decide which plan receives the claim first and how the remainder is handled.
No. A valid receipt supports a claim, but the insurer applies eligibility, limits, exclusions, and plan rules.
Not necessarily. Reports, letters, forms, record review, and insurer communication may be separate professional services with separate fees and consent.
Ask why the information is needed, what will be disclosed, and whether a narrower document is sufficient. Your therapist should obtain appropriate consent before releasing information.
Tax eligibility can change and depends on provider and service requirements. Consult current Canada Revenue Agency guidance or a qualified tax professional.
Ask Therapedia Centre for the proposed provider and fee, then contact your insurer before the first appointment.
