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Extended Health Coverage

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Extended Health Coverage

Most Canadians with employer-sponsored or private group insurance plans have access to extended health benefits that cover a wide range of allied health services — often with little to no out-of-pocket cost. At Oakville Physiotherapy Centre, we make it easy to use your extended health coverage by offering direct billing to all major insurance providers. Our knowledgeable front desk team will verify your benefits, submit your claims, and guide you through every step of the process so you can focus entirely on your recovery.

Extended health coverage typically supplements your provincial health plan (OHIP) and reimburses services such as physiotherapy, registered massage therapy, chiropractic care, acupuncture, custom orthotics, and more. Coverage amounts and eligible services vary by plan, so our administrative team will work with you to maximize your entitlements and design a treatment schedule that aligns with your annual limits. Whether you have a traditional group benefits plan, a Health Spending Account (HSA), or a combination of both, we ensure you receive the care you need without unnecessary financial burden.

How Extended Health Coverage Works

  • Check your insurance policy for physiotherapy coverage limits
  • Obtain a referral or prescription from your physician if required
  • Book your initial assessment at Oakville Physiotherapy Centre
  • We verify your benefits and submit claims directly to your insurer
  • Pay only your portion — we handle the paperwork for you
  • Receive an itemized receipt for any amount not covered
  • Continue treatment within your annual coverage limits
  • We provide detailed invoices accepted by all major insurers

Services Commonly Covered Under Extended Health Plans

  • Physiotherapy & manual therapy
  • Massage therapy (RMT)
  • Chiropractic care
  • Acupuncture & dry needling
  • Custom orthotics & bracing
  • Occupational therapy
  • Speech-language pathology
  • Kinesiology & active rehabilitation
  • Naturopathic medicine
  • Mental health counselling

Why Choose Oakville Physiotherapy for Extended Health Claims?

  • Direct billing to all major insurance providers
  • Registered and licensed practitioners (RMT, PT, DC, Acupuncturist)
  • Detailed receipts and invoices accepted by every insurer
  • Flexible appointment times — evenings and weekends available
  • Personalized treatment plans aligned with your coverage limits
  • Experienced team with 15+ years serving the Oakville community
  • Coordination with employer benefit plans and group insurance
  • Transparent pricing — no surprise costs or hidden fees

Frequently Asked Questions

Extended health coverage (EHC) is a type of supplemental insurance — typically offered through your employer's group benefits plan or a private insurer — that covers healthcare services beyond what provincial health plans (OHIP) provide. For physiotherapy and allied health services, EHC plans often reimburse a set dollar amount or number of visits per calendar year. Coverage varies by plan, so it is important to review your policy or contact your HR department to understand your specific benefits.

Yes. Oakville Physiotherapy Centre offers direct billing to most major insurance providers in Canada, including Sun Life, Manulife, Great-West Life, Blue Cross, Desjardins, Chambers of Commerce, Johnston Group, and many more. This means we submit your claim on your behalf and you pay only any remaining balance at the time of your visit, saving you the hassle of submitting paperwork yourself.

In most cases, a physician's referral is not required to access physiotherapy under extended health coverage — you can self-refer and book directly with us. However, some insurance plans do require a referral or prescription for reimbursement, particularly for services like orthotics, occupational therapy, or certain massage therapy claims. We recommend checking your policy details before your first appointment, and our administrative team is happy to help you clarify coverage requirements.

To process a direct-billing claim, please bring your insurance card (physical or digital), your policy/group number and certificate/member ID, and a valid government-issued photo ID. If your partner or parent's plan covers you, you will also need their member details. Our front desk staff will collect and verify this information during your first visit and store it securely for future appointments.

If your plan covers only a portion of the service fee, you are responsible for the remaining balance at the time of your visit. We will provide you with a detailed, itemized receipt for your records, which you may also use to submit a claim for the remaining amount through a Health Spending Account (HSA), Flexible Spending Account (FSA), or as a medical expense on your tax return. Our team is happy to explain all available options so you can make the most of your benefits.

Absolutely. All services provided by our registered practitioners are eligible healthcare expenses under a Health Spending Account or Lifestyle Spending Account. We issue CRA-compliant receipts for every service, making it straightforward to submit claims through your HSA administrator. HSAs are a tax-efficient way to cover costs that your primary insurance plan does not reimburse, including deductibles, co-pays, and services that exceed your annual limit.