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Commonly Asked Questions About Direct Billing

Direct Billing

Everything is handled before you leave our clinic. You only pay for the amount not covered by your insurer and there’s no more hassle of insurance paperwork!

How does Direct Billing work?

At Acu-Pro Physiotherapy clinic, we want to help make your life easier. We started offering direct billing to selected insurance providers by filing all the paperwork electronically on your behalf. Once you finish your treatment at our clinic, you only pay for the amount not covered by your insurance provider after each visit.

This saves you out-of-pocket costs and the extra time you would have to submit the paperwork to your insurance provider compared to if you do it yourself.


Here’s How It Works
  • Paperwork
    We submit your claims electronically.
  • Payment
    You only pay the amount not covered by your plan during the visit.
  • Saves time
    It’s convenient! It saves you time and there’s no more upfront cost.

Which insurance providers can you offer this service?

We currently provide free direct billing services to selected insurance providers through Telus e-Claims as well as Sun Life, Pacific Blue Cross, Medavie Blue Cross (RCMP and Veterans Affairs).

Insurance Providers
List of selected insurance providers (in alphabetical order):
  • Beneva
  • BPA
  • Canada Life
  • Canadian Construction Workers Union
  • Chambers of Commerce Group Insurance Plan
  • Cinup
  • ClaimSecure
  • Coughlin
  • Cowan Insurance Group
  • D.A. Townley
  • Desjardins
  • First Canadian Insurance Corporation
  • GMS
  • GroupHEALTH
  • GroupSource
  • iA Financial Group
  • Johnson Insurance
  • Johnston Group
  • Laborer’s International Union of North America
  • Manion
  • Manulife
  • Maximum Benefit
  • Medavie Blue Cross (RCMP and Veterans Affairs)
  • Pacific Blue Cross
  • People Corporation
  • RWAM Insurance
  • Sun Life
  • Union Benefits
  • UV Insurance

* Our list of insurance providers is subject to change. Contact us to confirm if we provide coverage for your insurance provider.

What information do you need from me?

We would need the following information for processing:

  • Name of your insurance provider
  • Your insurance card with the policy number and member ID
  • Government-issued photo ID

If you are not the cardholder, we might need additional information including the cardholder’s full name as well as the date of birth.

Which treatments can I do direct billing for?

This would depend on the plan you have with your insurance provider. You should talk to them or your employer if you have specific questions about what physiotherapy services are covered by the insurance.

What is the amount I need to pay?

You only pay the difference:

The total cost of your treatment that day – What your insurance company covers
= The remaining balance is the amount you have to pay

For example, the total cost of your treatment for the day is $90. Your insurance provider covers 75% of your fees ($67.50). That means you have to pay $22.50.

We can only help submit the paperwork to your insurance provider for the treatment you did the same day.

What happens if direct billing doesn’t work during my visit?

We would have to process the transaction the usual way for that visit. You would have to pay in full and then you would have to submit the paperwork yourself. Each case is unique and we can assist you at the front desk to help you find out what is the cause of the issue. We can then help you with direct billing the next time you come when the issue has been resolved.

What happens if I just have MSP with no extended health care?

MSP eligible patients have 10 visits where they pay $45 per visit and $90 per visit thereafter.

I have more questions about direct billing before I come to your clinic. Who can I talk to?

Contact us if you have specific questions related to our direct billing process. If you have specific questions about your coverage, the best people to talk to is your employer or contact your insurance provider.

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