Insurance Coverage Billing

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WORKERS COMPENSATION BOARD (WCB)

Have you been injured during work?

If you have injured yourself at work, informed your employer, and need to file a claim through the Worker’s Compensation Board, and inform them of the accident that took place.

Both you and your employer are required to complete and submit WCB Reports. You can easily submit your Worker’s Report of Injury online at www.wcb.ab.ca.

Our physiotherapists and staff are very experienced with WCB procedures, and have seen many cases of workplace injuries.

WCB always covers the initial visit, and first treatment cost. Further approval could be based on the severity of your injury, along with the length of time you may be approved for treatments.

WCB usually approves up to a maximum of twenty-one (21) treatments over a maximum of six (6) consecutive calendar weeks

Book an Appointment

MOTOR VEHICLE COLLISION INSURANCE (CAR ACCIDENTS)

What to do if you are involved in a motor vehicle accident:

Have questions about your coverage? Email us at info@instepphysio.ca or give us a call at 587-409-1754

 

PHYSIOTHERAPY INSURANCE COVERAGE

How to make the most of your physiotherapy insurance:

DIRECT BILLING

Taking the stress out of payments:

HEALTH BENEFIT COVERAGE

Understanding how health benefits work for you:  

INSURANCE-COVERED PHYSIOTHERAPY

Types of care often included under insurance:  

INSURANCE BILLING

How we simplify the process for you:  

NO REFERRAL NEEDED

Understanding how referrals work for physiotherapy coverage:    

COORDINATION WITH INSURANCE PROVIDERS

How we work with your insurance company to keep care stress-free:  

SECONDARY INSURANCE COVERAGE

Making the most of dual health plans: 

OUT-OF-POCKET PAYMENTS & TAX RECEIPTS

Options if your coverage doesn’t cover everything: 

COVERAGE FOR STUDENTS, SENIORS, AND LOW-INCOME PROGRAMS

Different groups may have unique access to benefits:  

PRE-AUTHORIZATION AND CLAIM LIMITS

Understanding when pre-approval is required: 

INSURANCE FOR FAMILY COVERAGE

How can benefits extend to your loved ones: 

INSURANCE & SAME-DAY APPOINTMENTS

Coverage applies even when you need care quickly: 

IS PHYSIOTHERAPY COVERED BY ALBERTA HEALTH CARE (AHC)?

Clarifying Alberta Health Care coverage:  

STEP-BY-STEP GUIDE TO USING INSURANCE AT OUR CLINIC

A simple process to make billing stress-free:  

FAQ’s

Physiotherapy Insurance Coverage in Edmonto

1. Is Physiotherapy Covered by Insurance in Edmonton?

Yes. Many extended health benefit plans in Edmonton cover physiotherapy sessions. Coverage usually includes both the first assessment and follow-up sessions, but the amount depends on your individual plan. 

2. How Many Physiotherapy Sessions Are Usually Covered by Insurance?

The number of sessions depends on your plan. Some policies offer a yearly dollar maximum, while others limit the number of visits you can attend. 

3. Does Insurance Cover Both Assessment and Treatment Sessions in Physio?

Most plans cover both. Sometimes the coverage is split, with different limits for assessments and follow-up visits.

4. What Happens if My Physiotherapy Sessions Go Beyond My Insurance Limit?

 If you reach your limit, you can continue care as a self-pay client. Some people also use a Health Spending Account (HSA) if they have one. 

5. Does Extended Health Care Pay for All Physiotherapy Costs?

Extended health care usually covers part of your session fee. Any amount not paid by insurance is your responsibility.

6. Will My Insurance Cover Physiotherapy if I Have a Pre-Existing Condition?

Yes. Most insurers cover physiotherapy as long as it’s considered medically necessary and falls under your plan's benefits. 

7. Does Insurance Cover Physiotherapy for Chronic Conditions?

 Yes. Coverage usually includes both short-term injuries and long-term conditions such as arthritis or mobility challenges. 

8. Does Insurance Coverage for Physiotherapy Reset Every Calendar Year?

 Most policies reset yearly, either on January 1 or on your policy renewal date. Check with your provider to confirm. 

9. Can Physiotherapy Be Claimed Under Preventive Care?

Some plans allow physiotherapy for prevention and general wellness, while others require an injury or condition.

10. Does Direct Billing Apply for Physiotherapy Sessions?

 Yes. At In Step Physical Therapy, direct billing is available for most major insurers, meaning we bill them directly for you.

11. How Does Direct Billing Work for Physiotherapy Clinics?

The clinic submits your claim directly to the insurer. The insurer pays its portion, and you only pay any remaining balance.

12. Do All Physiotherapy Clinics Offer Direct Billing in Edmonton?

 No. Not every clinic offers this service. At In Step, we do provide direct billing to make things easier for clients.

13. What Is the Difference Between Direct Billing and Submitting Claims Myself?

With direct billing, the clinic handles the paperwork. Without it, you pay in full after your session and submit receipts to your insurer for reimbursement.

14. What Information Do I Need to Provide for Insurance Billing at Physiotherapy Clinics?

Usually, you need your insurer’s name, policy number, and ID number. Some insurers may also ask for a referral.

15. Can I See the Coverage Amount Before Booking a Physiotherapy Session?

 Yes. We can check your benefits in advance so you know what portion is covered and what you’ll be responsible for.

16. What Happens If My Insurance Claim Is Denied After a Physiotherapy Session?

If denied, you’ll need to cover the session fee. We provide detailed receipts and can help you with resubmission if needed.

17. What Happens If My Insurance Covers Only Part of the Physiotherapy Cost?

 You’ll pay the remaining balance not covered by your plan.

18. Do Health Benefits Cover Physiotherapy Without a Doctor’s Referral?

Many insurance plans allow you to book physiotherapy directly, while a few may still require a referral. Confirming with your insurer ensures there are no surprises.

19. Can I Choose My Own Physiotherapist if I Am Using Insurance Coverage?

Yes. Even if your insurer suggests a clinic, you can choose where to go.

20. Can Physiotherapy Near Me Be Claimed Through Work Health Benefits?

 Yes. Workplace health plans typically allow you to use coverage at any registered clinic.

21. Will My Insurance Cover Physiotherapy if I Am a Student?

Yes. Many student plans include coverage for physiotherapy.

22. Can My Insurance Cover Physiotherapy for Children or Seniors?

Yes. Most plans cover physiotherapy for all dependents listed on the policy.

23. Can I Split Physiotherapy Coverage Between Multiple Clinics?

 Yes, as long as each clinic is staffed by licensed physiotherapists and bills under physiotherapy benefits.

24. Can I Use Insurance Coverage for Both In-Clinic and Home Visits?

Some plans allow this, but others restrict coverage to in-clinic sessions.

25. Will My Insurance Cover Multiple Physiotherapy Appointments in the Same Week?

 Yes, as long as it’s medically necessary and you still have benefits left.

Coverage Through Different Programs

26. Does Car Accident Insurance Cover Physiotherapy Sessions in Alberta?

 Yes. If you’ve been in a motor vehicle accident, auto insurance will cover your physiotherapy under treatment protocols.

27. How Does WCB Coverage Work for Physiotherapy Treatments?

If your injury happened at work and is approved by WCB, they typically cover the assessment and an approved number of follow-ups.

28. Can I Use Both WCB and Private Insurance for Physiotherapy?

No. If WCB has accepted your claim, they are the main payer, and private insurance cannot be billed for the same sessions.

29. Can I Use Both Auto Insurance and Extended Health Benefits for Physiotherapy?

 Yes. Auto insurance is billed first. Once that coverage ends, you can use your extended health plan.

30. What Is the Difference Between WCB and Private Insurance Coverage for Physiotherapy?

 WCB applies to workplace injuries and covers a set number of sessions. Private insurance covers other injuries or ongoing care based on your policy limits.

31. Can I Switch to Private Insurance if WCB or Auto Insurance Ends?

Yes. Once WCB or auto coverage finishes, you can continue care using your extended health plan.

32. Can I Claim Physiotherapy Under Health Spending Accounts (HSA)?

 Yes. HSAs typically include physiotherapy as an eligible expense.

33. Do Travel Insurance Policies Ever Cover Physiotherapy Sessions?

 Sometimes, if the injury happened while travelling and treatment is part of your medical claim.

34. What Insurance Companies Cover Physiotherapy in Edmonton?

 Most major insurers cover physiotherapy, including Alberta Blue Cross, Sun Life, Manulife, Green Shield, Desjardins, Canada Life, and Empire Life.

35. Does Alberta Blue Cross Cover Physiotherapy in Edmonton?

 Yes. Coverage varies by plan, but many include assessments and follow-ups. Direct billing is available.

36. Does Sun Life Insurance Cover Physiotherapy in Alberta?

Yes. Sun Life generally covers physiotherapy under extended health benefits, with limits depending on your policy.

37. Does Manulife Cover Physiotherapy Services in Edmonton?

 Yes. Manulife usually includes physiotherapy. We can confirm your details and bill directly when possible.

38. Does Canada Life Insurance Pay for Physiotherapy Sessions?

 Yes. Coverage amounts and visit limits depend on your individual plan.

15. Can I See the Coverage Amount Before Booking a Physiotherapy Session?

 Yes. We can check your benefits in advance so you know what portion is covered and what you’ll be responsible for.

39. Does Green Shield Canada Cover Physiotherapy in Alberta?

 Yes. Green Shield typically provides a set dollar amount or number of sessions per year.