INSURANCE & BENEFITS INFORMATION FOR COUNSELLING
Counselling can become scary if you don't know if it's covered under your insurance policy. We hope we can help you understand. We offer support in a wide variety of treatment areas in Kitchener-Waterloo, Milton, Oakville, London, and the surrounding areas, proudly customized to your individual needs.
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How Do I Determine My Insurance Coverage?
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Your summary of benefits and coverage is often sent to you when you enroll in a health plan, and it can also be found on your insurer’s website. Our recommendation is to always call your provider to get the most accurate and up to date information. Another helpful tip is to ask for your annual amount and sessional limit, this will help you put things into perspective.
If I Have Coverage, Can I See Anyone?
Even if your plan says mental health is covered, that doesn’t mean all services are included. Certain providers may only offer coverage for specific services. Let’s say you call your insurance provider and determine you have coverage for a clinician who holds a Masters of Social Work but you have found a Registered Social Worker who does not have a Masters that you feel comfortable working with. Since your coverage requires a Masters of Social Work you would not be reimbursed for the session payments if you did book with that Registered Social Worker. That’s why it is always better to call your insurance provider to get all the information if you are looking to use your insurance. Some of the insurance companies include Manulife, SunLife, Canada Life, Blue Cross, Green Shield, Equitable Life, but there are many others.
Is Counselling Covered by OHIP?
It is important to note that overall, Registered Psychotherapists, Social Workers, and Psychologists working in private practices are not covered by OHIP. The only clinicians who would be covered under OHIP would be a qualified General Practitioner or a Psychiatrist. Other mental health care providers, such as Psychologists and Social Workers, may also be covered if they work in government-funded hospitals, so it doesn’t hurt to give them a call to double check.
Supporting and assisting local students in Kitchener-Waterloo, Milton, Oakville, London, and the surrounding areas, proudly customized to your individual needs.
Are your services covered under my student benefits?
Students of the University of Waterloo and the University of Wilfrid Laurier are covered by student benefits as follows:
UNIVERSITY STUDENTS
UNDERGRADUATE STUDENTS
(Full-time)
Are covered for $800 per calendar year and 80% coverage per visit.
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For more information, click here.
GRADUATE
STUDENTS​
(Full-time)
Are covered for $800 per calendar year and 80% coverage per visit.
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For more information, click here.
UNDERGRADUATE STUDENTS
(Full-time)
Are covered for $1000 per policy year (September 1- August 31) and $100 coverage per visit.
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For more information, click here.
GRADUATE
STUDENTS​
(Full-time)
Are covered for $800 per policy year (September 1 - August 31) and 80% coverage per visit.
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For more information, click here.
UNDERGRADUATE STUDENTS
(Full-time)
Are covered for $1200 per calendar year and 100% coverage per visit.
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For more information, click here.
GRADUATE
STUDENTS​
(Full-time)
Are covered for $500 per calendar year and 80% coverage per visit.
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For more information, click here.