Insurance, OHIP, and direct billing.

Massage therapy

Massage at a private clinic in Ontario is not covered by OHIP. It is usually covered by an extended health plan.

Most extended health plans hold a yearly amount for registered massage therapy. The receipt has to come from a Registered Massage Therapist, and all six of our massage therapists are RMTs. Some plans ask for a doctor's note before they will pay, even though you do not need one to book. That is a plan rule rather than an Ontario one, so check your policy.

Prenatal massage

Prenatal massage is treated the same way as any other massage on most plans.

It is not covered by OHIP. Where your plan holds a massage therapy amount, a prenatal session normally draws from it, because the receipt still comes from an RMT. Plans do not usually hold a separate pregnancy category. Every RMT on our roster is certified in prenatal massage.

Chiropractic

OHIP does not pay for routine chiropractic visits in Ontario. Extended health plans are where chiropractic coverage sits.

Most extended health plans hold a yearly chiropractic amount, and it is usually separate from the massage amount. The receipt has to come from a chiropractor registered with the College of Chiropractors of Ontario. All three of our chiropractors are registered with the CCO.

Physiotherapy

For most adults, OHIP does not pay for physiotherapy at a private clinic.

Ontario funds physiotherapy through a limited program at a set of designated clinics, and most adults do not qualify for it. Physiotherapy at a private clinic is normally paid by an extended health plan, or out of pocket. Plans usually hold a yearly physiotherapy amount that is separate from massage and chiropractic. The receipt has to come from a physiotherapist registered with the College of Physiotherapists of Ontario.

Pelvic floor physiotherapy

Pelvic floor physiotherapy follows the same rules as any other physiotherapy.

OHIP does not pay for it at a private clinic for most adults. On an extended health plan it normally draws from the same physiotherapy amount as any other physio visit, because the receipt still comes from a registered physiotherapist. Plans do not usually hold a separate pelvic floor category. Our physiotherapist, Ramandeep Singh, MScPT, offers pelvic floor physiotherapy.

Psychotherapy

OHIP pays for psychotherapy only in a narrow set of settings, and a private clinic is not one of them.

OHIP covers psychotherapy delivered by a physician, and some publicly funded programs. It does not cover sessions with a Registered Psychotherapist in private practice. On an extended health plan, coverage turns on the practitioner's registration. Most plans pay for Registered Psychotherapist sessions, and some name only psychologists or social workers, so check which titles your plan lists before you book. Nicole Bonich is a Registered Psychotherapist.

Osteopathy

Osteopathy is not a regulated health profession in Ontario, and that changes how insurers treat it.

There is no provincial college for manual osteopathy and the title is not protected. OHIP does not pay for it. Many extended health plans do pay for osteopathic manual practitioner visits, but each insurer sets its own rule about which qualifications and which associations it will accept. This is the one discipline here where the practitioner's credential, and not just the service, decides whether a claim is paid.

Aesthetic and skin treatments

Cosmetic treatments are not a health plan category.

Treatments booked for appearance rather than for a medical problem are not covered by OHIP, and extended health plans do not include them either. Our skin and laser services fall into that group, so they are paid by the patient.