Insurance and Benefits

Using Your Insurance for Therapy

Many extended health plans in Ontario cover therapy with a Registered Psychotherapist. We don't direct bill. You pay at each session, we send a receipt, and you submit it to your insurer for reimbursement.

How it works

  1. Check your coverage before your first session (questions below).

  2. Pay at your session by [PAYMENT METHODS]. Your card is charged [after each session / at booking].

  3. Get your receipt by email the same day.

  4. Submit it through your insurer's app or website. Most plans reimburse within a few business days.

What your receipt includes

  • Does my plan cover a Registered Psychotherapist?

  • Does it cover a Registered Psychotherapist (Qualifying)? Some plans cover only fully registered RPs.

  • What is my annual maximum, and how much is used this year?

  • Is there a per-session cap or a percentage covered?

  • Do I need a doctor's referral to claim?

  • Are virtual sessions covered the same as in person?

  • Can I claim through my spouse's plan for any amount mine doesn't cover?

No insurance or limited coverage?

  • Every therapist offers a sliding scale. Ask during your free consult.

  • Fees: $180.00 per session.

  • OHIP does not cover psychotherapy in private practice.

FAQ

  • No. You pay at each session and claim the receipt with your insurer.

  • Most plans do. Confirm with your insurer.

  • Not to see us. Some insurers require one to reimburse, so check your plan.

  • Usually yes, under one partner's plan. The receipt is issued in that partner's name.

  • Yes. Email us the dates and we'll resend them.

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