Insurance & Direct Billing at Complete Wellness Clinic
Making Your Care More Accessible
At Complete Wellness Clinic, we understand that accessing healthcare should be simple. That’s why we offer direct billing to many major Canadian insurance providers, helping reduce out-of-pocket expenses and making your visits more convenient.
Insurance Coverage for Health Services
Many extended health plans in Canada include coverage for services such as:
- Chiropractic care
- Registered massage therapy
- Acupuncture
- Naturopathic medicine
- Counselling
- Custom orthotics
Each insurance plan is different. We always recommend contacting your provider to confirm which services are covered, any annual limits, and whether a physician referral is required.
Direct Billing Providers
We currently offer direct billing to a wide range of insurance companies, including:
- Manulife Financial Corporation
- Canada Life (Great-West Lifeco Inc.)
- Desjardins Group
- Sun Life Financial
- Fairfax Financial Holdings
- iA Financial Group (Industrial Alliance)
- Aviva Canada
- Intact Financial Corporation
- RBC Insurance
- BMO Insurance
Not all plans within these companies allow direct billing for every service. Our administrative team will be happy to help you confirm eligibility and assist with any required documentation.
Direct Billing Providers
To set up direct billing during your visit, please bring:
- Your insurance provider’s name
- Your policy and member ID numbers
- Any referral or documentation your plan requires
Arriving a few minutes early will help us ensure your billing is processed smoothly.
If Direct Billing Is Not Available
If your plan does not support direct billing, payment is required at the time of your appointment. We will provide a detailed receipt that includes the necessary information for submitting a reimbursement claim to your insurer.
Coordinating Benefits with More Than One Plan
If you are covered under more than one insurance plan, such as your own and your spouse’s, we can help coordinate benefits where possible. Manual reimbursement may still be required, depending on how each provider handles claims.
Coverage Limitations and Requirements
Coverage amounts and visit limits often vary depending on your specific plan. For example, you may have a set number of visits covered per year or a maximum dollar amount per service. Some services, such as custom orthotics or massage therapy, may also require a referral from a physician. We recommend reviewing your policy details or speaking with your insurer directly to understand what is included in your plan.
Dependent Coverage
Many extended health plans offer coverage for dependents, including children and spouses. Be sure to review your policy or group benefits plan to confirm eligibility and coverage limits for your family members.
Questions or Help with Insurance
If you have any questions about using your insurance at our clinic, our administrative team is here to help. We can walk you through the process, check what is required for your plan, and ensure you have everything needed for successful billing.
Frequently Asked Questions
Are services at Complete Wellness Clinic covered by insurance?
Yes. Many extended health plans include coverage for chiropractic, massage therapy, acupuncture, orthotics, and other services. We recommend checking with your insurer for specific details.
Does Complete Wellness Clinic offer direct billing to insurance companies?
Yes. We offer direct billing to a wide range of providers, including Manulife, Canada Life, Desjardins, Sun Life, Fairfax, iA Financial, Aviva, Intact, RBC, and BMO Insurance.
Are custom orthotics covered by insurance?
Often, yes. Many plans include coverage for orthotics, especially when prescribed by a healthcare provider. A doctor’s referral may be required.
How can I find out if my insurance covers a specific service?
Please contact your insurance provider directly. They can provide details about eligibility, required documents, and how to submit claims.
What should I do if my insurance doesn’t cover a service?
You can choose to pay out of pocket. We will provide a receipt that you can submit for reimbursement if applicable.
Do I need a doctor’s referral for insurance to cover treatments?
Some insurance plans require referrals for services such as massage therapy or orthotics. Please confirm with your provider.
What information do I need to provide for direct billing?
We require your insurance company name, policy number, and member ID. Additional documentation may be needed for certain services.
What happens if direct billing isn’t available for my plan?
If your plan does not support direct billing, you will need to pay at the time of your visit. We will give you a detailed receipt for reimbursement.
Can I split payment between multiple insurance plans?
Yes. If you have more than one plan, we can assist in coordinating benefits. Some manual claim steps may still be required.
Are insurance coverage amounts the same for all services?
No. Coverage limits can vary by service and provider. For example, your plan may cover more for chiropractic care than for massage therapy.
Is there a limit to how many visits are covered each year?
Yes. Most plans have annual limits based on the number of visits or the total dollar amount. Your insurer can confirm the specifics.
Are services for children or dependents also covered?
Yes. Many family and group insurance plans include coverage for spouses and children. Check with your provider to verify.
What should I do if a claim is denied?
Start by contacting your insurance company to understand the reason. If needed, we can provide additional documentation to support your claim.