Convenient Billing
. No Referral Needed.
Frequently Asked Questions
Questions about your coverage?
If there are any concerns with funding, we encourage you to discuss this with your physiotherapist or contact your clinic — our administrative team handles direct billing every day and can tell you exactly what to expect.
While a doctor’s referral is not needed to access our services, some insurance providers require a doctor’s referral for appointments to be covered. Be sure to check with your provider prior to attending your first appointment.
At Eramosa Physiotherapy, we offer the convenience of billing to your insurance provider on your behalf so that payment can be timely remitted back to you. At the time of service, you are responsible for your payment, and our administrative team will timely submit your treatment online to your insurance provider. You will be directly reimbursed for any treatment that your insurance company provides coverage for.
We always recommend that you contact your provider to determine whether or not you are covered and the amount which your provider will cover you for. Most insurance companies will allow us to bill them directly. However, if your insurance company doesn’t allow us to bill on your behalf, we will gladly provide you with the paperwork you need for reimbursement.
Physiotherapy is not covered by OHIP at our sites. Many extended health care policies do provide physiotherapy coverage — we recommend contacting your provider to confirm your coverage and the amount your policy allows.
Clients seen through WSIB have access to the same services as all of our other clients. We will assist you in gathering the necessary information for a successful WSIB claim, reducing any chance of out-of-pocket expenses as a result of an unapproved claim. Please notify our administration upon booking that you are being funded through WSIB.
If you have been injured in a motor vehicle accident, our team can help you navigate treatment through your automobile insurance. Contact your clinic and our administrative team will walk you through what your situation requires.
Unfortunately, no. Insurance companies do not provide clinics with access to your full benefits information. Your coverage details are confidential between you and your insurance provider.
We recommend contacting your insurance company before your first appointment to confirm your physiotherapy coverage.
When you contact your benefits provider, we recommend asking:
What is my annual maximum for physiotherapy?
How much is covered for an initial assessment?
How much is covered for follow-up visits?
Is there a maximum dollar amount covered per visit?
Do I have a deductible or co-pay?
When does my benefit year renew?
No. We cannot see your coverage, remaining balance, visit limits, or reimbursement rate before submitting a claim.
Once you arrive for your appointment, we can submit your claim to your insurer and will be able to see the amount they cover for that specific visit.
Insurance plans often do not cover 100% of the cost of physiotherapy. You may have a co-pay, deductible, reimbursement limit, or a maximum amount covered per visit.
We recommend checking with your insurance provider to understand your specific coverage.
An Explanation of Benefits (EOB) is the information provided by your insurance company after a claim is processed. It shows how your insurance coverage was applied, including the amount covered and any remaining patient portion.
Your EOB may also be required when submitting a claim to a secondary insurance provider.
A co-pay is the portion of your appointment that you are responsible for paying.
For example, if your plan has a $20 co-pay, you would pay $20 toward each eligible appointment.
A deductible is an amount you may need to pay yourself before your insurance coverage begins, depending on your specific plan.
If your insurer declines a claim or does not cover the full amount, you are responsible for any outstanding balance.
If you’re unsure why a claim was declined, we recommend contacting your insurance provider directly, as they can explain the details of your specific policy.
We recommend contacting your insurance provider before your first appointment. This allows you to understand your coverage, annual maximums, visit limits, and any co-pays or deductibles before beginning treatment.
Because every insurance plan is different, your insurance provider is the best source for information about your specific coverage.
We are happy to help with the direct billing process, but we cannot determine your benefits or guarantee how much your insurance company will reimburse.
Preferred provider networks
Ready to get started?
Your Recovery Begins Here
.
No Referral Needed.
