OPTIONS FOR INSURANCE COVERAGE
JUNE 17, 2021
One of the main reasons why people do not seek chiropractic care is cost. There are several programs available that cover partial or all treatment expenses for the patient. If you are eligible for any of these programs, we can assist you with obtaining coverage and will answer any questions you may have.
Medical Service Plans (MSP)
MSP is the provincial insurance program that pays for required medical services. If you are currently enrolled in the MSP Premium Assistance Program, MSP contributes $23 per visit for a combined annual limit of 10 visits each calendar year for the following services: acupuncture, chiropractic, massage therapy, naturopathy, physical therapy and non-surgical podiatry. If you are not sure of your eligibility, let us know your PHN and we can check for you.
If you are a worker injured on the job, you may qualify for workers compensation benefits. Once your employer has submitted a claim, WorkSafeBC will cover the full cost of the first two chiropractic treatments post-accident. Your condition will be assessed during these visits, and a report will be submitted to WorkSafe detailing the extent of your injuries, along with a proposed treatment plan. If your claim is approved, the full cost of your chiropractic treatments will be coved for a period of eight weeks.
Please note that treatment may not coincide with additional treatments (eg. physiotherapy) without prior approval from WorkSafeBC. If you are injured on the job, please let us know prior to booking an appointment.
ICBC provides partial coverage to motorists who are injured as a result of a collision. Starting May 01, 2022, ICBC will be implementing their Enhance Care program. At that time, ICBC customers will be able to access a total of 25 pre-authorized chiropractic sessions within the first 12 weeks (starting from the date of the crash). You will only need to provide your claim number, date of accident, and PHN to get started.
After the initial 12 weeks, approval from ICBC is needed before any invoices can be submitted.
Most group benefit plans offer medical coverage for chiropractic treatment. Pacific Blue Cross and providers partnered with Telus eHealth allow for clinics to direct bill to your plan, so you will only need to pay the patient portion. Check below for a full list of eligible providers.
If your plan does not allow for direct billing, you will need to submit your receipt for reimbursement. Most insurance providers now provide an online portal so you can submit your chiropractic claims easier and receive reimbursement quicker than ever before.
Pacific BlueCross, Beneva, BPA, Canada Life (Great West Life), Chambers of Commerce Group Insurance Plan, CINUP, Claims Secure, Coughlin, Cowan, DA Townley, Desjardins Insurance, Equitable Life of Canada, First Canadian, GMS, Group Health, Group Source, iA Financial, Industrial Alliance, Johnson Inc, Johnston Group, MANION, Manulife Financial, Maximum Benefit, People Corporation, RWAM, Union Benefits, and UV Insurance
EDIT DEC.08.21: Starting 01.01.22, SunLife Financial will no longer be part of TELUS Health, and will no longer be eligible for Direct Billing.
EDIT JUN.22.22: Equitable Life of Canada is joining TELUS Health, and is now eligible for Direct Billing.