Insurance & Payment Options for Physiotherapy

Hassle-Free Direct Billing & Flexible Coverage Options in Chatham, ON

Whether you are seeking treatment for physiotherapy, acupuncture, custom bracing, or massage therapy in Chatham, we work with most private insurance providers, WSIB, auto insurance (MVA), and government funding programs to ensure your care is seamless and stress-free.


Reach out to us today and let us help you navigate your insurance coverage!

Experience hassle-free insurance assistance – choose Chatham Physiotherapy for your health journey!

Insurance Payment Options

Extended Health Insurance (Private Benefits)

We offer direct billing for most services, including physiotherapy, massage therapy, and custom braces, to most extended health insurance providers. In most cases, we can bill your insurance directly.

Providers We Direct Bill Include:

  • Sun Life Financial
  • Manulife Financial
  • Canada Life
  • Blue Cross (including Veterans Affairs Canada / VAC)
  • Desjardins Insurance
  • Industrial Alliance (iA)
  • Green Shield Canada
  • Empire Life
  • ClaimSecure
  • And many more private benefit plans

What to Bring:

  • Your current insurance information (Policy/Group Number and Member ID).
  • Doctor’s referral (if required by your specific plan for massage therapy, physiotherapy, or custom bracing reimbursement).

Please Note: It is the patient's responsibility to know the details of their specific coverage. Coverage limits, maximums, and referral requirements for services like physiotherapy, massage therapy, and custom braces vary by plan. We encourage you to check with your provider prior to your appointment.

Workplace Injury (WSIB)

If you have sustained an injury while at work, your physiotherapy may be covered through the Workplace Safety and Insurance Board (WSIB).

How We Help You Recover:

  • Direct Billing: We bill WSIB directly for approved workplace injury claims.
  • Streamlined Reporting: Our clinic assists with completing required documentation and initial assessment reporting.
  • Rehabilitation Focus: We design goal-oriented programs focused on safe, timely return-to-work protocols.

What to Bring for Your First WSIB Visit:

  • WSIB Claim Number (if already assigned).
  • Date of injury and employer details.
  • Your Adjudicator or Case Manager's contact information (if available).
  • Any paperwork given to you by your doctor or employer.

Motor Vehicle Accidents (MVA / Car Insurance)

If you were injured in a motor vehicle accident—whether you were a driver, passenger, pedestrian, or cyclist—you are entitled to rehabilitation coverage through your auto insurance policy, regardless of who was at fault. This can cover necessary treatments such as physiotherapy, massage therapy, and supportive braces.

Our MVA Care Process:

  • Direct Auto Insurance Billing: We handle the paperwork and submit claims directly for approved auto insurance claims.
  • Comprehensive Assessments: We conduct thorough initial assessments to document your injuries and submit required treatment plans for approval.
  • No Out-of-Pocket Stress: Once your claim is open and approved, we handle the administrative billing directly with your adjuster.

What to Bring for Your MVA Visit:

  • Auto insurance company name and policy number (if available).
  • Claim number and insurance adjuster’s name/contact info (if available).
  • Date of the accident.

Publicly Funded Programs & OHIP

Chatham Physiotherapy offers government-funded physiotherapy to ensure accessible care for eligible patients through OHIP, as well as social assistance programs like Ontario Works and ODSP.

Who May Qualify for OHIP-Funded Physiotherapy:

  • Seniors aged 65 or older
  • Youth aged 19 and under
  • Recipients of Ontario Works or ODSP
  • Patients with recent post-hospitalization recovery needs

FAQs

  • Do I need a doctor's referral for physiotherapy, massage therapy, or braces?

    At Chatham Physiotherapy, we accept all insurance plans that cover our range of services. Our goal is to make physiotherapy, acupuncture, massage therapy, chiropractic care, and other treatments accessible and hassle-free for our patients. If you have any questions or concerns about your specific insurance plan and coverage, please don't hesitate to contact our office, and our friendly staff will be happy to assist you.

  • What if my insurance doesn't cover the full cost?

    We understand that dealing with insurance can be complicated, so our team at Chatham Physiotherapy works closely with you and your insurance company to ensure a seamless and transparent process. Once we verify your coverage, we'll coordinate with your provider to handle claims and billing directly. Our aim is to minimize any stress or confusion during your treatment journey so that you can focus on your recovery and well-being.


  • What if my WSIB or MVA claim hasn't been approved yet?

    We can assist you in initiating the claim process during your initial visit. Our front desk staff will guide you on the initial forms required so that coverage for your physiotherapy or bracing needs can be established as smoothly as possible.

Have Questions About Billing or Setting Up Your Claim?

Our administrative team is here to guide you through our direct billing procedures, assist with initial WSIB and MVA claim setups, and help ensure your visit runs as smoothly as possible.


Give us a call today to learn more about our billing process or to book your assessment for physiotherapy, massage therapy, or custom braces in Chatham.

Discover Our Comprehensive Range of Services