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Insurance & Billing

Extended Health
Benefits.

We direct bill your insurer so you don’t have to. Everything you need to know about using your extended health benefits at Move to Motion — from what to bring to how to submit your own claim.

What Is Direct Billing

We handle the
paperwork.

Direct billing means that Move to Motion submits your insurance claim directly to your extended health benefits provider on your behalf at the time of your appointment. Instead of paying the full cost upfront and waiting weeks for a reimbursement cheque, you only pay any portion your plan doesn’t cover — right at the front desk, before you leave.

Extended health plans typically cover a percentage of the cost of paramedical services including physiotherapy, acupuncture, registered massage therapy, chiropractic care, and active rehabilitation. Coverage amounts and annual limits vary by employer plan. We direct bill to all major insurers listed below. If you’re unsure whether your plan is covered, call us and we’ll confirm before your first appointment.

  • No upfront payment for the covered portion of your treatment
  • No forms to fill out — we submit the claim for you
  • Instant confirmation of coverage at time of visit
  • You pay only your co-pay or any uncovered balance
  • Multiple plans (coordination of benefits) processed simultaneously
  • Available for physiotherapy, acupuncture, massage therapy, chiropractic & active rehab
Before Your Visit

What to
bring.

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)
  • ICBC claim number if your visit relates to a motor vehicle accident
  • WorkSafeBC claim number for workplace injury treatment

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.

Insurers We Bill

We work with
your provider.

We direct bill to all major BC insurers. If your plan is not listed below, ask our front desk — we likely bill them. A detailed receipt is always provided for manual submission.

Manulife

Move to Motion bills Manulife directly via eClaims at point of service. Submit online via GroupNet or the Manulife Mobile app.

Submit a claim →

Sun Life

Submit via my Sun Life online or the mobile app. Reimbursements deposited within 2 business days with direct deposit set up.

Submit a claim →

Pacific Blue Cross

Submit via Member Profile online or the PBC Mobile App. Insta-Claim available at participating providers for instant processing.

Submit a claim →

Canada Life / Great-West

Submit through My Canada Life at Work account or the mobile app. Direct deposit available for fast reimbursement.

Submit a claim →

Desjardins

Submit through your Desjardins online account or AccèsD app. Paramedical claims submitted electronically.

Submit a claim →

ClaimSecure

Submit online via the ClaimSecure member portal. Receipts uploaded digitally and reimbursement sent by direct deposit.

Submit a claim →

Industrial Alliance (iA)

Submit via the iA Financial Group member portal or contact your plan administrator. Physio and massage covered under most plans.

Submit a claim →

Johnson Insurance

Submit through the Johnson benefits portal or via paper claim form. Contact your plan administrator for coverage details.

Submit a claim →
How-To Videos

Step-by-step guides from
your insurer.

Official how-to guides from each insurance provider walking you through the online claims submission process. Click any card to go directly to the insurer’s guide.

Self-Submission Guide

Submitting your
own claim.

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.

Step-by-Step

How to submit
online.

The process is nearly identical across all major insurers. Follow these steps for any provider:

  1. Sign in to your insurer’s member portal or mobile app. If you haven’t registered, create an account using your policy number and member ID from your benefits card.
  2. Navigate to “Submit a Claim” — usually found on the home screen or under Benefits / Claims tab.
  3. Select the claim type — choose “Paramedical” or “Health” for physiotherapy, massage therapy, acupuncture, or chiropractic. Avoid selecting “Dental” or “Drug.”
  4. Select the service provider from the list, or enter Move to Motion’s information manually: 7380 King George Blvd, Suite 600, Surrey BC.
  5. Enter the claim details: date of service, type of service, amount charged, and the practitioner who provided your treatment.
  6. Upload your receipt by taking a clear photo or scanning the receipt we gave you. Ensure all fields (date, amount, practitioner name & number) are clearly visible.
  7. Submit and note your confirmation number. Most online claims are processed within 1–5 business days, with reimbursement deposited directly to your bank account if you have direct deposit set up.
Paper Claims

Submitting a
paper claim.

If your plan doesn’t support online submission, or you prefer paper, you can submit a manual extended health care claim form. Download the appropriate form from your insurer’s website, print it, and complete all sections.

  • Download your insurer’s “Extended Health Care Claim Form” (EHC) from their website
  • Complete Part 1: your personal and policy details
  • Complete Part 2: expense details — date, amount, service type, provider name and registration number
  • Attach original receipts — keep photocopies for yourself before mailing
  • Sign the consent and declaration section
  • Mail to the claims address printed on the form, or drop off at your insurer’s local office

Paper claims typically take 5–15 business days to process. Registering for direct deposit with your insurer speeds this up considerably even for paper submissions.

Coverage by Service

What your
plan likely
covers.

Most extended health plans in BC cover physiotherapy, registered massage therapy, acupuncture, and chiropractic care. Coverage typically resets on January 1st each year. Sign in to your insurer’s member portal under “Coverage” or “Benefits Summary” to see your annual maximum and year-to-date usage.

  • Physiotherapy — most plans cover $500–$1,500 per benefit year
  • Registered Massage Therapy — most plans cover $500–$1,500 per benefit year
  • Acupuncture — most plans cover $300–$1,000 per benefit year
  • Chiropractic — most plans cover $300–$1,000 per benefit year
  • Custom Orthotics — most plans cover $300–$500 per pair per year
  • Active Rehabilitation — covered under ICBC and WorkSafeBC; some plans cover kinesiology
  • Clinical Counselling — covered under many plans; ICBC covers counselling for MVA-related trauma
Tips & FAQs

Common
questions.

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 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.

Ready to start
your recovery?

Surrey, BC · ICBC & WorkSafeBC Accepted · Direct Billing

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