What Insurance Typically Covers

Typical Annual Coverage Amounts:

Most extended health insurance plans in Ontario cover psychotherapy under mental health benefits.

  • $500 - $1,000 (basic plans)
  • $1,000 - $2,000 (standard plans)
  • $2,000 - $3,000 (enhanced plans)
  • $3,000 - $5,000+ (premium plans)

 

What's Usually Covered:

✓ Individual therapy sessions
✓ Couples therapy sessions
✓ Family therapy sessions
✓ EMDR and specialized trauma treatment
✓ Group therapy (if offered)

What's Usually NOT Covered:

  • Missed appointments / late cancellations
  • Administrative fees
  • Services by non-registered practitioners
  • Therapy for court-ordered assessments (in some cases)

Frequently Asked Questions

Common Coverage Details

  • Most plans: No referral required
  • Some plans: May require a referral or pre-authorization
  • We'll verify this when we check your benefits 

 

  • Most plans: Yes, covered under the same mental health benefit
  • Some plans: May have separate limits or exclusions
  • Check your policy or we'll verify for you

 

 

  • Yes - EMDR is covered the same as any psychotherapy session
  • No special authorization typically required
  • Intensive EMDR programs (multi-hour sessions) are covered session-by-session

 

  • Most providers: Cover virtual sessions the same as in-person
  • No reduction in coverage for telehealth
  • Must be provided by a registered psychotherapist

For Direct Billing:

  • Insurance card with policy/member numbers
  • Valid Ontario health card
  • Group/plan number (if applicable)

For Manual Reimbursement (if not using direct billing):

  • Detailed receipt from us (we provide this automatically)
  • Insurance claim form (from your provider)
  • Your policy information

Information on Your Receipt:

  • Therapist name and registration number
  • Date of service
  • Service provided ("Psychotherapy" or specific code)
  • Session fee
  • Amount paid
  • GST/HST (if applicable - psychotherapy is HST-exempt)