Extended Health
Benefits.

To direct bill your insurance at your appointment, please bring your benefits card or have your policy information ready. This is issued by your employer or insurance provider and includes the details we need to submit the claim on your behalf.

• Your insurance provider name (e.g. Manulife, Sun Life, Pacific Blue Cross)
• Your policy/contract number
• Your member/certificate ID number
• Your group number (if applicable)
• Your date of birth (for identity verification)

If you have coverage through more than one plan (for example, both your own and a spouse’s employer plan), bring both cards. We can submit to your primary plan first and then coordinate any remaining balance to your secondary plan — meaning you may owe nothing out of pocket at all.

If we were unable to direct bill at the time of your visit, or if you have secondary coverage you’d like to claim against, here’s how to submit your own extended health claim to get reimbursed.

What you’ll need from us:

• Official receipt with the date of service
• Practitioner’s name and registration/licence number
• Clinic name and address
• Treatment description and fee charged

We provide a detailed receipt at every visit that includes all the information your insurer requires. Ask our front desk for a printed or emailed copy if you need one.

How do I know how much I’m covered for?
Sign in to your insurer’s member portal and look under “Coverage” or “Benefits Summary.” You’ll see your annual maximum for each paramedical service and how much of it you’ve used year-to-date. Coverage typically resets January 1st each year.

What if I have two plans?
Submit to your primary plan first. Once processed, submit the remaining balance to your secondary plan with the Explanation of Benefits (EOB) statement from the first insurer. This is called Coordination of Benefits (COB) and can result in 100% coverage in many cases.

Do I need a doctor’s referral?
Most extended health plans do not require a referral for physiotherapy, acupuncture, massage therapy, or chiropractic. However, some plans may require a physician’s referral for certain services or after a set number of visits. Check your plan booklet or call your insurer to confirm.

How long do I have to submit a claim?
Most plans require claims to be submitted within 12 months of the date of service. Some plans allow up to 24 months. Always check your benefits booklet for your plan’s specific deadline.

What if my claim is denied?
Contact your insurer for an Explanation of Benefits. Common reasons include: annual maximum reached, service not covered under your specific plan, or a missing practitioner registration number on the receipt. Call us at (604) 999-4442 and we’ll help resolve any issues with your receipt or documentation.