Using your benefits for therapy: questions to ask your insurer

Where therapy coverage comes from

• Extended health benefits through work, a union, a school or a private plan
• Health spending accounts, which often cover therapy
• Employee assistance programs (EAPs), which may fund a few sessions
• Auto insurance, for care after a collision
• Student plans through your school

Questions to ask your insurer

1. Does my plan cover counselling or psychotherapy?
2. Which credentials does it cover, such as Canadian Certified Counsellor (CCC) or Registered Psychotherapist (RP)?
3. How much is covered per session, and per year?
4. Do I need a doctor’s referral?
5. How do I submit receipts, and how soon am I paid back?

Why credentials matter

Plans list the types of practitioners they cover. Some cover only psychologists and social workers; others also cover counsellors and psychotherapists. Ask specifically, and ask us for your therapist’s credentials before you book.

Receipts & billing after a collision

We give you a receipt after every session to submit to your plan. For care after a collision, we bill your auto insurer directly once your plan is approved.

Combining coverage

If you have both auto insurance and extended health benefits after a collision, your auto insurer may ask for an explanation of benefits from your health plan first. We can help you through it.

If coverage is limited

• Student sessions are $100
• Group therapy is $80 a session
• NotJustYou Cells members can get free therapy through our partnership

This article is general information, not medical, legal or insurance advice. For advice about your situation, talk to your health care provider, your insurer or a lawyer.