our Services
Insurance information
Our services are covered by most extended health benefit programs. It is recommended that clients check their policy details to clarify their coverage limits and co-pays. We are equipped to direct bill for many insurance providers. Contact us for more information on insurance and direct billing.
What is direct billing?
Direct billing occurs when Well Said: Toronto Speech Therapy, as the healthcare providers of speech therapy services, sends a client’s invoice(s) to the health insurance provider for payment, rather than having the client/policyholder pay upfront for the service, and later file a self-claim.
Our DIRECT BILLING partners
Greenshield Canada*
BPA
Canada Life / Great West Life
Canadian Construction Workers Union
Chamber of Commerce Group Insurance Plan
CINUP
ClaimSecure
DesJardins Insurance
First Canadian Insurance Corporation
GMS
IA Financial Group
Johnston Group
Local 183
Labourers International Union
Manulife
Maximum Benefit
direct billing FAQ
How do I set up direct billing?
Ensure that the insurer is listed above on the list of approved insurers and ensure that speech-language pathologist are approved practitioners within the policy.
Contact your insurance provider to ensure that your policy allows for benefit assignment and is payable to the clinic, instead of payable only to insured member.
Communicate the policy information with the clinician and complete any necessary forms. These forms must be completed, signed, and filed with the clinic before direct billing can occur.
When will I receive a receipt for the appointment(s) directly billed?
Clients receive an account summary bi-monthly detailing payment by the insurance provider, and any overflow amount paid by the client.
What services are submitted for direct billing?
Services where a speech-language pathologist is in attendance are covered by insurance under speech therapy.
Services where a psychotherapist or social worker/psychotherapist is in attendance are covered by insurance under psychotherapy, or social-work/counselling.
Unattended/missed appointments are NOT covered by insurers.
Future appointments may not be submitted to an insurance provider.
My insurer provides direct billing so why was my credit card charged?
If a policy does not allow for direct billing, clients will be billed upfront, and a receipt will be emailed. The client may submit the invoice through self-claim with their insurance provider.
If an appointment eg. initial consultation or standard session, is scheduled using our online booking system then the clinic has been prepaid via credit card at the time of booking. The receipt will be emailed. The client may submit the invoice through self-claim with their insurance provider.
If a policy does not include full (100%) coverage, any overflow amount will be billed to the client.
What IS Self-CLaim?
Self-claim is a extended health insurance claim process where a client pays for their approved services and then submits the receipt to their insurer directly for reimbursement via direct deposit or cheque.
SELF-CLAIM FAQ
What is submittable for reimbursement?
The insurer makes the final decision on what they will cover.
Typically, services where a speech-language pathologist is in attendance are covered by insurance under speech therapy.
Typically, services where a psychotherapist is in attendance are covered by insurance under psychotherapy.
Typically, unattended/missed appointments are NOT covered by insurers.
Typically, future appointments may not be submitted to an insurance provider.
Typically, block fees and annual retainers must be submitted on an appointment-bases not on a lump-sum basis.