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Direct Billing to Insurance

Completing paperworkAt Dusk Physiotherapy, we aim to make your experience as smooth as possible by offering direct billing to many insurance providers. Whether you’re covered through an employer’s benefits plan, recovering from a car accident, or dealing with a workplace injury, we handle the paperwork so you can focus on your health.

Extended Health Care Benefits

If you have Extended Health Care (EHC) insurance through your employer, we can often submit claims directly to your provider, ensuring payments go straight to the clinic. Many plans cover physiotherapy, chiropractic, massage therapy, and orthopaedic products such as bracing, compression socks, and custom orthotics—sometimes up to 100%.

Any copays or deductibles not covered by your primary insurance may be claimable through secondary insurance plans or paid out of pocket as a medical expense for tax purposes.

Motor Vehicle Accident (MVA) Coverage

If you’ve been injured in a car accident, your MVA insurance provides coverage for rehabilitation treatments, including physiotherapy, chiropractic care, and massage therapy. Dusk Physiotherapy accepts and directly bills all motor vehicle insurance companies, handling coordination between your private and auto insurance plans.

Ontario regulations require that private EHC plans be billed first before auto insurance claims can be processed. Our team will guide you through this process to ensure your claims are handled correctly.

Workplace Injuries (WSIB)

If you’ve suffered a work-related injury, the Workplace Safety & Insurance Board (WSIB) provides physiotherapy, chiropractic, and massage therapy coverage. We accept and provide direct billing to WSIB, helping you get the care you need without added stress.

Insurance Providers We Can Bill Directly

We offer direct billing to a wide range of insurance providers, including:

  • Canada Life
  • Blue Cross
  • Canada Life – PSHCP
  • Chambers of Commerce Group Insurance Plan
  • ClaimSecure
  • Cowan Insurance Group (managed by Express Scripts Canada)
  • Coughlin & Associates Ltd
  • Desjardins Insurance
  • Empire Life
  • Equitable Life of Canada
  • First Canadian
  • GMS Carriers 49 and 50 (Express Scripts Canada)
  • GroupHEALTH
  • GroupSource
  • Greenshield
  • Industrial Alliance
  • Johnson Inc.
  • Johnston Group
  • LiUna Local 183
  • Manion Wilkins
  • Manulife Financial
  • MDM
  • Maximum Benefit
  • OTIP RAEO
  • RWAM
  • Simply Benefits
  • Sunlife
  • OTHER

Frequently Asked Questions

Do you accept extended health benefits/insurance?

Yes! We accept all major insurance providers and will directly bill on your behalf whenever possible. If we’re unable to bill your provider, we’ll provide you with an official invoice for easy claim submission.

Do you offer direct billing?

Yes! If your insurance provider allows direct billing, we’ll submit claims on your behalf. If your plan covers 100% of the service, you won’t have any out-of-pocket expenses. You’ll be responsible for the remaining balance if only a portion is covered. Some plans send payment directly to the policyholder, in which case you’ll need to pay the clinic at the time of service.

How much insurance coverage do I have?

Coverage varies by policy, so you’ll need to check with your provider for specific details. We don’t have access to your individual plan, but we’re happy to help you navigate your benefits.

Get the Care You Need—Hassle-Free

We’re here to simplify the billing process so you can focus on what matters—your recovery. Call (905) 451-9999 or book your appointment online today!

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Dusk Physiotherapy Direct Billing