Direct Billing - No Upfront Payment Required
We bill your insurance company directly so you don't have to pay out of pocket and wait for reimbursement.
How it saves you hassle:
- No need to pay upfront and claim later
- No paperwork for you to submit
- No waiting weeks for reimbursement
- You only pay any remaining balance (if applicable)
Full List of Insurance Providers We Direct Bill
We offer direct billing to these insurance providers:
Major Carriers:
- Green Shield Canada (GSC)
- Manulife Financial
- Sun Life Financial
- Great-West Life / Canada Life
- Equitable Life of Canada
- Industrial Alliance (iA Financial)
- Desjardins Insurance
- SSQ Insurance
- RBC Insurance
- Co-operators
- Empire Life
Extended Health Plans:
- ClaimSecure
- Chambers of Commerce Group Insurance
- GroupHEALTH
- Maximum Benefit
- League (formerly PBAS)
- Medavie Blue Cross
- Cowan Insurance Group
Other Providers:
- Most group insurance plans through employers
- Union benefit plans
- Professional association plans
Not sure if your provider is listed? Contact us at hello@thelaclinic.com with your insurance card details and we'll verify whether we can direct bill your plan.
How Direct Billing Works
Step-by-Step: Direct Billing Process
Step 1: Before Your First Appointment
Contact us with your insurance information:
- Insurance provider name (e.g., Manulife, Sun Life)
- Policy/certificate number
- ID number or member number
- Group/plan number (if applicable)
We'll verify:
- Whether we can direct bill your provider
- Your coverage amount and limits
- Any requirements (referrals, pre-authorization, etc.)
- Your remaining benefits for the year
Timing: We recommend doing this at least 2-3 days before your first session.
Step 2: At Your Appointment
- Attend your therapy session as scheduled
- Bring your insurance card and health card
- We'll collect your information (one-time setup)
Step 3: After Your Session
- We submit the claim directly to your insurance company
- Your insurer processes the claim (usually 2-5 business days)
- You receive a confirmation of coverage
Step 4: You Pay Only the Difference (If Applicable)
Payment for Remaining Balance:
Accepted methods:
- Credit card (Visa, Mastercard, Amex)
- Debit card
- E-transfer
- Cash or cheque
Important Notes About Direct Billing
Processing Time:
- Claims typically process within 2-5 business days
- Some providers may take up to 10 business days
- You'll receive an Explanation of Benefits (EOB) from your insurer
What Happens If a Claim is Denied:
- We'll notify you immediately
- You'll be responsible for the session fee
- We can provide receipts for you to submit manually
- We'll help troubleshoot why the claim was denied
Mid-Year Coverage Checks: We recommend checking your remaining benefits periodically, especially if you're attending regular sessions. We're happy to verify this for you.
Common Insurance Companies We Work With
We’re Happy to Help
If you’re unsure whether your plan qualifies for direct billing, feel free to reach out before booking.
