RMTClinic.Net — Where Local Clinics Become Local Leaders
If you’ve ever had patients, ask:
- “Is massage therapy covered by my insurance?”
- “How much physio can I claim per year?”
- “Do I need a doctor’s referral for chiro?”
You’re not alone. In fact, uncertainty around coverage is one of the top reasons patients delay booking appointments.
This article breaks down the essentials of what most Canadian private health plans cover—so you can educate patients and help them use the benefits they’re already paying for.
1. Massage Therapy (RMT)
✅ Typically Covered by most group health plans
- Annual limits range from $300 to $1,500+
- Must be performed by a Registered Massage Therapist (RMT)
- Some plans require a doctor’s note—but many do not
- Direct billing is available with providers like TELUS Health, Sun Life, Manulife
📝 Tip: Encourage patients to check their plan online or through their HR department
2. Physiotherapy
✅ Widely Covered as part of extended health benefits
- Often bundled with chiropractic or massage therapy
- Some plans have a shared maximum (e.g., $750 for all services)
- Covered sessions may require a prescription
📝 Tip: Promote how physio helps with injury recovery, posture, chronic pain, and post-surgery care
3. Chiropractic Care
✅ Consistently Covered, especially for musculoskeletal conditions
- Annual limits range between $300–$800
- Some plans allow unlimited visits, others cap per session
- May require a doctor’s referral or a treatment plan submitted
📝 Tip: Use direct billing to reduce patient out-of-pocket expenses upfront
Common Myths Patients Believe
🚫 “If I haven’t used my benefits this year, they roll over.”
→ False. Most reset annually on Dec 31.
🚫 “All clinics offer direct billing.”
→ False. Only those enrolled with TELUS Health, ProviderConnect, or specific insurers.
🚫 “I need to be injured to claim coverage.”
→ False. Preventative and wellness care is often covered.
Help Patients Use Their Benefits
Your role isn’t just to treat—it’s to educate.
- Share this article in your email newsletter or social feed
- Post a “Did you know your insurance covers this?” sign in-clinic
- Offer a benefits check before the appointment
CTA: Share this with your patients — and help them make informed, empowered health decisions.
🧠 Final Thought from Henry:
Most people want care—they just need clarity.
Let’s remove the confusion around insurance and become partners in their wellness journey.
RMTClinic.Net — Helping Patients Understand Their Coverage & Find the Right Care.
