Direct Billing & Insurance
We Submit Your Claims Directly For You & Work With Variety of Extended Health Benefits Companies.
Insurance Companies We Work With:
- Sunlife
- Blue Cross
- Manulife
- Green Shield
- Canada Life (Great West)
- Equitable Life
- Desjardins
- And More
Interim Federal Health Program (IFHP)
Physiotherapy Insurance Coverage for Refugees
At The Art of Life Health Center, we proudly offer Physiotherapy Health Care covered under the Interim Federal Health Program (IFHP). You can learn more about this program on the Government of Canada website.
When you come for treatment, we will bill your claims directly, so you don’t need to worry about payment at the time of service. However, to qualify, you must be officially registered under Refugee Status with the Canadian government.
Please remember to bring your valid IFHP paperwork or documentation to your appointment.
If you experience a language barrier, our practitioners speak a variety of languages:
- Persian/Farsi
- Russian
- Ukrainian
- Polish
- Greek
We Take Care of Your Paperwork
Whether online or by mail, we can submit your invoices directly to your insurance provider, making the process easier for you. Just remember to bring all your necessary insurance details when you visit us.
Please note that some insurance companies may not accept online submissions for certain services, so we recommend checking with your provider in advance.
Employer Extended Health Plans / Benefits
Most services at The Art of Life Health Center are covered under extended health care plans. If you have a dental plan, there’s a good chance your benefits also include many of the treatments and products we offer.
To make the most of your coverage:
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Contact your insurance provider to confirm your yearly coverage limits and renewal dates.
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Alternatively, if you give us permission, we’d be happy to contact them on your behalf for a coverage check.
Motor Vehicle Accident (MVA) Insurance Coverage | Direct Billing
Most auto insurance companies require that your extended health benefits be used first before your MVA claim can be fully processed. This step allows for the issuance of an exhaustion letter, which confirms that your extended benefits have been used up. Any remaining balance for your treatment will then be billed through your auto insurance plan.
At your first visit, you may be asked to provide details about your extended health coverage.
If you do not have extended health benefits, your treatment can be billed directly through your auto insurance company.
How the Process Works
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Our physiotherapist will complete your assessment and prepare the required documentation.
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These documents will then be submitted online for insurer approval.
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All communication with your insurance company and adjusters can be handled by our office, so you don’t have to worry about the back-and-forth.
What to Bring With You
Please bring any documentation provided by your insurance company, along with the following:
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Claim Number
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Policy Number
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Adjuster’s Name & Contact Information
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Name of the Insurance Company Covering Your Treatments
Services Covered Under MVA Claims
Motor Vehicle Accident coverage may include:
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Physiotherapy
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Massage Therapy
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Naturopathy
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Acupuncture
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Osteopathy
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Other related services
The extent and duration of your coverage will depend on whether your case is classified as minor or major under current MVA guidelines.