Commercial Insurance
Are you covered by any of these policies? We have provided a list of our most popular in-network plans for your convenience; however, this is not an exhaustive list!
To confirm other insurance plans, please call our office.
| AA Pharma Ins * |
| The Benefits Trust |
| Benecaid |
| Blue Cross * |
| Blue Cross (Veteran’s Affairs) |
| Canada Life (formerly GWL) |
| Canada Life alternate # (formerly GWL) |
| Chambers of Commerce |
| Claim Secure * |
| Co-operators * |
| Coughlin |
| Desjardins * |
| Empire Life * |
| Equitable Life * |
| Flex Group |
| Global Benefits |
| Greenshield |
| Group Health |
| GroupSource Ins. |
| Industrial Alliance * |
| Imperial Life |
| Johnson Inc |
| Local 183 * |
| Local 506* |
| Manion * |
| Manulife * |
| Nexgen RX * |
| OTIP * |
| Peoples Corporation |
| RBC Insurance |
| RWAM * |
| SSQ Financial * |
| Standard Life * |
| Sun Life |
| WSIB |
PhysioChiroWellness accepts a variety of health insurance policies, and we’re here to help you navigate the confusing world of claims and benefits. Please call ahead of time to confirm your health benefits and learn whether treatment services will be charged, deductible, or coinsurance.
If you do not have health insurance or have exhausted your benefits, PhysioChiroWellness also offers a private pay plan. Request an appointment today to learn more about our service rates and payment options!
Prioritizing Patient Needs:
Cash-Based Physical Therapy at PhysioChiroWellness
Cash-based physical therapy is a model of service in which physical therapists accept direct payment from patients instead of relying on insurance reimbursement.
At PhysioChiroWellness, we have implemented this model for the following reasons:
- Improved Patient-Therapist Relationship: By eliminating the insurance company arbitrarily stopping your rehabilitation or making the process unnecessarily complicated, the therapist and patient can focus on what matters most, your results!
- Control Over Services: It allows physical therapists to determine the type and frequency of treatment based on patient needs rather than what an insurance company is willing to cover. It gives the therapist more freedom to provide the best possible care.
- Simpler Billing: The billing process is greatly simplified without insurance companies in the mix. Therapists can spend less time dealing with paperwork, claims submissions, and follow-ups and more time helping you get the results you deserve!
- Price Transparency: In a cash-based model, patients know upfront the cost of their treatment. This can lead to fewer surprises and better financial planning for patients.
- Lower Overall Costs: Because treatment costs aren’t inflated to meet insurance reimbursement rates, the actual cost of services is often lower in a cash-based model. Research has shown that cash-based physical therapy typically requires fewer visits than traditional insurance-based models, resulting in less cost to the patient.
However, it’s important to remember that this model isn’t without drawbacks. For example, some patients may prefer to utilize their insurance coverage for such services if available, which is why we also provide that service.
As with any healthcare decision, it’s essential for patients to carefully consider their needs, finances, and insurance coverage when deciding between insurance-based and cash-based physical therapy.
Enjoy Direct Access and One-on-One Care
At PhysioChiroWellness, we believe in the power of choice and flexibility when it comes to your health. Direct Access is an avenue that empowers you, the patient, to take charge of your care and make decisions that align with your unique needs and goals.
But what exactly is Direct Access?
Direct Access is a policy that allows patients to see a physical therapist without a physician’s referral. This means you can start your journey to wellness sooner and often with fewer visits. This approach saves you time and alleviates financial burdens associated with long-term care.
One of the prime benefits of Direct Access is that it eliminates the need for insurance authorization. This is particularly advantageous for our cash-based practice at PhysioChiroWellness. Here, you have the flexibility to choose your treatment plan without the constraints of insurance company mandates. You decide what you want and who you want help from – it’s healthcare on your terms!
Another cornerstone of our practice is one-on-one care. Every cash-based session at PhysioChiroWellness is designed around your unique needs, ensuring you get our undivided attention. This approach helps us to focus on your specific goals and monitor your progress closely, resulting in more effective treatment and faster recovery.
Your Next Steps…
Request An Appointment
Receive A Custom Treatment Plan
Work Hard and Progress In Your Recovery
Recover & Enjoy Life Pain-Free!