Direct Billing: Most Frequently Asked Questions

We are happy to offer Direct Billing to insurance companies for our clients when they book a Massage Treatment with us! Read on to learn more.
Lisa De Souza Massage Therapist Front Desk

Direct Billing & Insurance FAQ

Do we as RMT’s require a doctors letter for massage therapy?

No, we do not. However, your insurance company may require one in order for them to cover your treatment.

Can the clinic submit my doctor’s note?

We are not able to process your doctor’s letter for you, this should be done prior to your treatment as they may take 2-10 business days to process before we are able to submit without any issues.

If I don’t have an updated doctor’s note and I attend my massage appointment, will I have to pay?

Yes, you are required to pay for your appointment and we will provide you with a receipt that you can submit to the insurance company, along with your doctor’s letter and they will reimburse you for the appointment.

What is a co-pay amount? 

This is a one time fee! Usually this co-pay amount is paid to the first health care provider you visit at the beginning of your plan. We do require clients to pay this fee at the time of your appointment. 

How much money do I have left?

We do not have access to this information, we can provide you with the total amount that has been billed on your behalf. It is strongly recommended that you contact your insurer to find out the total coverage.

Do you know how much will be covered per treatment?

No, unfortunately, we do not have access to this information until you arrive for your massage appointment and we process the claim. We cannot process the claim prior to your visit nor can we do a predetermination of the claim.

Can you bill my service under my partners name?

Unfortunately we are not able to do this as this is insurance fraud. We will only bill for the person who received the treatment and for the day the treatment occurred, we will not be able to back date or future date submissions to the insure.

Secondary insurance plans – Can you bill to secondary insurer?

No, we are not able to accommodate this at the moment. If in the future we can, we will look into this for our clients. Currently, we are only able to process the primary insurer.

Direct billing can be done 1 of 2 ways.. Wait WHAT?

Yup, this is true. We have chosen to do direct billing for our clients which means we will submit your claim to the insurance company and the company will reimburse the clinic. If there is a balance owing you are required to pay the balance at the time of your appointment.

With the other way, some clinics require their patients to pay the clinic in full for the service, and the clinic will bill the insurer but have the payment be PAID to the CLIENT.

When a claim can’t be processed?

We will do our best to submit a claim and have it processed at the time of your visit, in the event that an error with the submission occurs, we will ask that you pay your treatment in full at the time of your visit to the clinic.

What if I come for my appointment and insurance does not work, will I be charged the no show fee? 

Technically, yes since you booked the time and took the appointment time away from someone else who could have had this appointment and the therapist will not be paid. We strongly recommended that all our clients call their insurance company to enquire about their coverage before booking with us, to avoid these incidents from happening. 

Why do we require the insurance holders full name and date of birth, if they aren’t receiving the treatment?

Insurance requires the date of birth and the full name of both the member and the client. If you do not provide this information we will not be successful in the insurance submission. We do require the correct DOB for both people and the legal name of the person attending the treatment and the card holder.

Who’s plan are my kids covered under if we hold primary and secondary insurance?

Your children or dependents will be required to use the parent whose birthday is the first of the year, this doesn’t have anything to do with age. Strictly just whose birthday month is the earliest in the year. 

Are college and university students covered under their parents plan?

If they are full time or part time students currently enrolled in a program and are up the age of 25.

What age are kids covered under their parents plan?

In most group health insurance plans, children are covered up to age 21.

Does OHIP cover the services you have at the clinic?

We are not an OHIP covered clinic and neither are our services at this time.

Can you bill reflexology as a massage session?

No, we will bill according to the treatment and whom provided the service.

Do you offer direct billing for Naturopath services? 

Yes, we do. We cannot bill BlueCross or MDM insurance at this time.

What Insurers Are Accepted?

  • BlueCross (Veterans Affairs)
  • BPA
  • Canada Life
  • Canadian Construction Workers Union
  • Chambers of Commerce
  • ClaimSecure
  • Coughlin & Associates LTD
  • Co-operators
  • Cowan
  • DA Townley
  • Desjardins
  • Empire Life
  • Equitable Life
  • First Canadian
  • Greenshield
  • GMS Carrier 49
  • GMS Carrier 50
  • Group Health
  • GroupSource
  • Industrial Alliance
  • Jonson Inc
  • Johnston Group Inc
  • La Capitale/Bene
  • LiUNA Local 183
  • LiUNA Local 506
  • Manion
  • Manulife Financial
  • Maximum Benefit
  • People Corporation
  • RBC Insurance
  • Retired Teachers Insurance
  • RWAM
  • SSQ
  • Student Care
  • Telus AdjudiCare
  • Union Benefits
  • UV insurance

Thanks for reading! If you have any questions about how we use Direct Billing, please feel free to email us at or Call the clinic!

Share With Your Friends

Picture of Lisa De Souza

Lisa De Souza

Leave a Comment!

Our Goal

We strive to provide any information about Our Clinic, Treatments, Experience and Well-Being that may help our clients achieve their full health potential.

Recent Posts

Follow Us

Subscribe To Join Our Last Minute Club

Enter Your Email Above To Receive Last Minute Appointment Notifications, Clinic News & More!