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Physiotherapy Edmonton

Insurance Coverage and Direct Billing

Direct billing, WCB, motor vehicle claims and extended health benefits
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Direct Billing: We Handle the Paperwork

Most patients at In Step never pay the full cost up front. We bill your insurer directly wherever your plan allows it, so you pay only what your plan does not cover — often nothing at all.

We direct bill to insurers including:

  • Alberta Blue Cross
  • Canada Life
  • Cowan
  • Desjardins
  • Empire Life
  • Equitable Life
  • Green Shield Canada
  • Johnson Inc.
  • Manulife
  • SSQ Insurance
  • Sun Life

If your provider is not listed, call us — the list changes and many plans can still be billed directly. If direct billing is not available, you pay at the visit and we give you a receipt to submit yourself.

You Do Not Need a Referral

In Alberta you can book physiotherapy directly. No physician referral is required to be assessed or treated.

What differs is reimbursement: some extended health plans ask for a referral before they will pay, even though the appointment itself does not need one. It takes two minutes to check your plan booklet or call the number on your benefits card before your first visit.

Extended Health Benefits

If you have coverage through work, a spouse’s plan, or a private policy, physiotherapy is usually included. Plans vary widely, so it is worth knowing four things before you start:

  • Your annual maximum — a dollar amount, a number of visits, or both.
  • The percentage covered — many plans cover 80–100% of each visit up to your maximum.
  • Whether a referral is required for reimbursement.
  • When your plan year resets — January and your employment anniversary are both common.

Covered by two plans? You can often coordinate benefits — the first plan pays its share, then the second covers some or all of the remainder. Tell us about both and we will bill in the right order.

Motor Vehicle Accident Coverage

If you were injured in a motor vehicle collision in Alberta, your treatment is generally covered by the at-fault driver’s insurer regardless of who caused the crash, under Alberta’s accident benefits.

What to do:

  • Report the collision to your insurer and get your claim number and adjuster contact.
  • Book an assessment. You do not need to wait for the claim to be finalised.
  • Bring your claim number, adjuster details and the date of the collision to your first visit.

We bill motor vehicle insurers directly and handle the reporting and paperwork through your treatment. There is normally no cost to you.

See our motor vehicle accident physiotherapy page for what treatment involves.

Workers’ Compensation (WCB) Claims

If you were injured at work, physiotherapy is covered through the Workers’ Compensation Board of Alberta once your claim is accepted.

What to do:

  • Report the injury to your employer as soon as it happens.
  • File a Worker’s Report with WCB — your employer files their own report separately.
  • Bring your WCB claim number to your first appointment.

We bill WCB directly and send the required progress reports. If your claim is still pending, call us and we will explain the options.

See our work injury and WCB physiotherapy page.

Paying Out of Pocket

No coverage, or coverage that has run out? You can pay directly, and we will tell you the cost before you book rather than after.

  • Receipts for every visit — itemised and ready to submit to an insurer or keep for tax purposes.
  • Medical expense tax credit — physiotherapy from a registered physiotherapist generally qualifies as an eligible medical expense on your Canadian tax return. Keep your receipts and check with your tax preparer about your situation.
  • Plan the frequency with us — if cost is a factor, say so. We can often space visits further apart and lean more on a home programme.

Frequently Asked Questions

No. In Alberta you can book directly. Some extended health plans require a referral before they will reimburse, so check your plan booklet or benefits card before your first visit.

Call the number on your benefits card or log into your insurer portal and ask about your annual physiotherapy maximum, the percentage covered, whether a referral is needed, and when your plan year resets.

Call us. The list changes and many plans can still be billed directly. If not, you pay at the visit and we provide an itemised receipt to submit yourself.

Treatment after a motor vehicle collision in Alberta is generally covered through accident benefits regardless of fault. Bring your claim number and adjuster details and there is normally no cost to you.

Often yes. If you are covered under your own plan and a spouse plan, benefits can usually be coordinated so one pays first and the other covers some or all of the remainder. Tell us about both.

Physiotherapy from a registered physiotherapist generally qualifies as an eligible medical expense on a Canadian tax return. Keep your receipts and check with your tax preparer about your own situation.

Not Sure What You Are Covered For?

Call (587) 409-1754 or email info@instepphysio.ca with your insurer name and we will tell you whether we can bill them directly and what to expect to pay. There is no charge for asking.