Insurance & Direct Billing

Direct Billing and Insurance Coverage at Platinum Physiotherapy Brampton

Platinum Physiotherapy offers comprehensive direct billing across every major Canadian extended health insurer, Workplace Safety and Insurance Board (WSIB) claims, and motor vehicle accident (MVA) auto insurance claims under Ontario's Statutory Accident Benefits Schedule (SABS). For most of our Brampton patients, direct billing means zero out-of-pocket cost at the time of treatment - we submit the claim electronically, the insurer confirms coverage in real time, and your portion (if any) is transparent before you leave.

Insurance Providers We Bill Directly

We bill the following extended health insurance providers directly for physiotherapy, chiropractic, registered massage therapy, acupuncture, pelvic floor physiotherapy, and custom orthotics (subject to your individual plan's coverage):

• Sun Life Financial
• Manulife Financial
• Canada Life (formerly Great-West Life)
• Green Shield Canada
• Desjardins Insurance
• Blue Cross (Ontario, Alberta, Pacific)
• Equitable Life of Canada
• Industrial Alliance (iA Financial Group)
• SSQ Insurance / La Capitale
• ClaimSecure
• Johnson Inc.
• GroupHEALTH / GroupSource
• Beneva (Beneplan)
• Canadian Forces (CAF SISIP)
• RCMP
• Veterans Affairs Canada
• Non-Insured Health Benefits (NIHB)

How Direct Billing Works

Direct billing is a real-time electronic claim submission process. Here is what happens at your first visit:

1. You provide your insurance card / benefit card details (member ID, group/plan number, and relationship to policyholder).
2. Our front-desk team verifies your coverage with your insurer - including remaining annual limits, visit caps, percentage reimbursement, and whether a physician's referral is required.
3. After your treatment, our team submits an electronic claim through the insurer's direct-billing portal (TELUS Health, inTELUS, ClaimStream, or insurer-specific portal).
4. The insurer typically responds within seconds, confirming the portion they will pay.
5. We collect only your out-of-pocket portion (often zero, especially at the start of your coverage year).
6. You receive an itemised receipt showing the insurer's portion and your portion, suitable for tax purposes.

If your plan has a deductible, a co-payment, or an annual maximum that has been reached, we will tell you upfront so there are no surprises.

WSIB Workplace Injury Coverage

Platinum Physiotherapy is a registered WSIB provider. If you have been injured at work in Ontario, WSIB covers your physiotherapy, chiropractic, and related rehabilitation with no out-of-pocket cost. We complete Form 8 (Treating Healthcare Professional Report), Form 26 (Functional Abilities Form), and Form 8A (progress reports) in-house and bill WSIB directly. We also coordinate with your WSIB case manager, your employer's Joint Health and Safety Committee, and any Return-to-Work specialist assigned to your claim.

Motor Vehicle Accident (MVA) Coverage Under Ontario SABS

If you have been in a motor vehicle accident in Ontario, your auto insurance covers physiotherapy, chiropractic, massage therapy, acupuncture, and other approved rehabilitation services regardless of who was at fault. Our clinic handles the entire SABS process - OCF-18 treatment plan submission, OCF-23 Minor Injury Guideline forms, OCF-3 disability certificate, billing the insurer, and coordinating with your personal injury lawyer if retained. For a detailed walkthrough, see our MVA physiotherapy page.

What OHIP Covers (and Does Not Cover)

OHIP (Ontario Health Insurance Plan) does not cover private-clinic physiotherapy, chiropractic, or registered massage therapy in Ontario. OHIP-funded physiotherapy is only available through a limited number of publicly funded programs (hospital-based outpatient physiotherapy, Community Care Access programs for patients aged 65+ or 19 and under, and certain WSIB/MVA referrals). The overwhelming majority of our patients access our services through extended health insurance, WSIB, or MVA coverage - not OHIP.

Tax Deductibility of Out-of-Pocket Expenses

Any physiotherapy, chiropractic, or registered massage therapy expense you pay out-of-pocket qualifies for the Canadian Medical Expense Tax Credit (METC). We provide itemised receipts suitable for your tax return. Note: insured portions (paid by your benefit plan) are not deductible - only your out-of-pocket portion is.

Questions About Your Coverage?

Before your first visit, call our front-desk team at (905) 451-5500 or email info@platinumphysiotherapy.ca. We will verify your coverage, explain what your plan includes, and flag any potential out-of-pocket costs so there are no surprises.