Your Insurance Likely Covers Therapy - Let's Check
Tired of wondering if you can afford therapy? Most Ontario residents with employee benefits or private insurance have mental health coverage they're not using. As a CRPO-registered therapist, our services qualify for reimbursement under most plans.
That Moment When You Realize Therapy is Covered
"Wait, my insurance covers therapy?" That's what most clients say when they discover their employee benefits include mental health coverage. You've been paying into these benefits with every paycheck - it's time to use them for something that actually improves your life.
The frustrating part? Many Ontarians with excellent mental health coverage don't realize it exists. They struggle with anxiety, stress, or depression while their insurance benefits go unused. Let's fix that.
As a Registered Psychotherapist with CRPO (#10979), my services qualify for reimbursement under virtually all Ontario insurance plans that include mental health coverage. That means you can get professional support without the financial stress.
Quick Coverage Facts:
- Coverage Amount: Most plans cover $500-$5000 annually for mental health services
- No Referral Needed: Unlike psychiatrists, you don't need a doctor's referral
- Direct Billing Info: We provide all documentation for easy reimbursement
- Virtual Sessions Covered: Online therapy has same coverage as in-person
- Immediate Receipts: Get insurance receipts right after each session
- CRPO Registration: Our registration (#10979) ensures eligibility
Here's the best part: When your insurance covers therapy, your investment in mental health often costs little to nothing out-of-pocket. You're essentially getting professional support that you've already paid for through your benefits.
Don't let another year of benefits expire unused.
Check Coverage & BookFind Out in 5 Minutes: Are You Covered?
Most people overcomplicate checking their insurance coverage. Here's the reality: if you have employee benefits in Ontario, there's a 90% chance therapy is covered. Here's exactly how to find out in under 5 minutes:
The fastest way: Call the customer service number on your benefits card and ask "Is Registered Psychotherapist covered under my plan?" They'll tell you your coverage amount immediately.
Method 1: The 2-Minute Check
If You Have a Benefits Card
Grab your benefits card (usually in your wallet). Call the customer service number. Ask: "Is Registered Psychotherapist covered under my plan?" They'll tell you: annual maximum, per-visit limits, and percentage covered. Takes 2 minutes, gets you real answers.
If You Have Online Benefits Access
Log into your company's HR portal or insurance website. Search for "mental health," "paramedical," or "psychotherapy." Most plans list exactly what's covered and how much. If you can't find it online, the phone call is faster than digging through documents.
Method 2: Check Your Pay Stub
Look for Benefit Deductions
If your pay stub shows deductions for "health benefits," "extended health," or "group benefits," you almost certainly have mental health coverage. The amount doesn't matter - even basic plans usually include therapy coverage.
The Magic Questions to Ask
When you call your insurance company, ask these specific questions to get complete information:
- "Is Registered Psychotherapist covered?" (This is the key question - if yes, you're covered)
- "What's my annual maximum for mental health?" (Usually $500-$5,000 per year)
- "Any per-session limits?" (Some cap at $150-200 per session, which covers most therapy)
- "Do I need a doctor's referral?" (Answer is usually no for Registered Psychotherapists)
- "Are virtual/online sessions covered the same?" (Yes, since 2020 virtually all plans cover virtual therapy)
- "What percentage do you reimburse?" (Usually 80-100% up to your maximum)
- "When do my benefits reset?" (Usually January 1st - don't lose unused benefits)
What the Numbers Usually Look Like
Typical Ontario Coverage
Most employee plans provide: $1,000-$3,000 annually for mental health services, 80-100% reimbursement, no per-session limits (or limits around $150-200 per session), no referral required, virtual sessions covered identically to in-person.
Use It or Lose It
Here's what most people don't realize: benefits reset January 1st. If you have $2,000 in mental health coverage and only use $500, you lose the other $1,500. That unused coverage can't roll over to next year. Many clients book intensive therapy in fall to use their full year's benefits.
Coverage by Major Ontario Insurance Providers
Here's what you can expect from common insurance providers in Ontario:
| Insurance Provider | Typical Coverage | Requirements |
|---|---|---|
| Manulife | $500-$3000/year | CRPO registration required |
| Sun Life | $750-$5000/year | No referral needed |
| Great-West Life | $500-$2500/year | RP designation accepted |
| Green Shield Canada | $300-$1500/year | Direct billing available |
| Blue Cross | $600-$2000/year | CRPO member covered |
| Industrial Alliance | $500-$1000/year | Virtual sessions OK |
| Desjardins | $750-$2000/year | No referral required |
*Coverage varies by specific plan. Contact your provider for exact details.
The Secret Benefit: Employee Assistance Programs (EAP)
Free Sessions You Didn't Know You Had
Most medium-to-large employers in Ontario offer EAP (Employee Assistance Program) - completely separate from your regular health benefits. This often provides 3-8 free therapy sessions per year, per family member. Your employer pays directly, so there's no cost to you and it doesn't use your health benefits.
EAP is Completely Confidential
Your employer knows they offer EAP, but they never know who uses it. The service is typically provided by a third-party company (like Morneau Shepell or TELUS Health) and your usage is completely private. Many people avoid EAP thinking their boss will find out - they won't.
How to Access Your EAP
Check your employee handbook, company intranet, or ask HR about "Employee Assistance Program." Most provide a 24/7 phone number. Some workplaces post EAP information in break rooms or washrooms. Even part-time employees often have EAP access.
Getting Your Money Back is Easier Than You Think
One of the biggest myths about insurance coverage is that it's complicated to get reimbursed. In reality, most insurance companies have made the process incredibly simple - especially since COVID pushed everything online.
Here's the truth: getting reimbursed for therapy is usually easier than submitting receipts for prescription drugs or massage therapy. Most of my clients are surprised how straightforward it is.
The Simple 4-Step Reimbursement Process:
Step 1: Pay for Your Session
You pay at the time of service - e-transfer, credit card, or debit all work. Session fees are set to align with typical insurance coverage limits, so you're usually reimbursed for most or all of the cost. Think of it as a short-term loan to yourself.
Step 2: Get Your Receipt Instantly
You receive a detailed receipt immediately after each session - either emailed to you right away or handed to you in-person. This receipt includes everything your insurance company needs: my name and CRPO registration number (#10979), service date, session type, and fee amount. No chasing paperwork or waiting for documents.
Step 3: Submit Your Claim (2 Minutes)
Most insurance companies now have mobile apps where you just photograph your receipt and submit instantly. Takes literally 2 minutes. If you prefer, you can email the receipt or use their website. A few companies still accept mailed claims, but digital is fastest.
Step 4: Get Paid Back Fast
Most insurers now offer direct deposit, so reimbursement appears in your bank account within 5-10 business days. You can usually track your claim status through their app or website. Some still mail cheques (slower), but direct deposit is becoming standard. Keep digital copies of receipts in case you need them for taxes.
Pro Tip: Submit claims immediately after each session rather than batching - faster reimbursement and easier tracking.
Understanding Coverage Limitations
While most therapy services are covered, it's important to understand what typically isn't covered by insurance in Ontario:
What's Usually NOT Covered:
OHIP (Provincial Health Insurance)
OHIP doesn't cover Registered Psychotherapists. OHIP only covers psychiatrists (MD) and some psychologists in hospital settings. This is why extended health benefits are valuable. Most working Ontarians have coverage through employer benefits.
Couples or Family Therapy
Some plans only cover individual therapy. Check if your plan includes "family therapy" or "couples counselling". May need to bill as individual therapy for primary client. We can advise on best approach for your plan.
Missed Appointments
Insurance doesn't cover no-shows or late cancellations. 24-hour cancellation policy protects your benefits. Rescheduling is always preferable to losing coverage.
Annual Maximum Exceeded
Once you've used your annual allocation, additional sessions are out-of-pocket. Benefits typically reset January 1st. Some employers offer top-up coverage or HSA (Health Spending Accounts). Therapy costs may be tax-deductible medical expenses.
While You're Getting Coverage Sorted - Start Here
Don't wait until your insurance is confirmed to start taking care of your mental health. Here are evidence-based strategies you can use immediately while you figure out your benefits:
Immediate Relief Strategies:
The Monday Morning Reset
If work stress dominates your life, try this: Sunday evening, write down three things you want to accomplish Monday. Just three. This prevents the overwhelming "I have to do everything" feeling that creates Sunday anxiety. Many clients find this simple practice reduces Monday morning dread significantly.
The Two-Minute Rule for Anxiety
When anxiety spikes, use the two-minute breathing rule: Breathe in for 4 counts, hold for 4, out for 6. Repeat for two minutes. The longer exhale activates your parasympathetic nervous system, naturally reducing anxiety. It works because it's based on physiology, not willpower.
Boundary Setting That Actually Works
Set one small boundary this week. Maybe you don't check work emails after 7 PM, or you take a full lunch break instead of eating at your desk. Small boundaries are easier to maintain and often create bigger changes than dramatic lifestyle overhauls.
The "Good Enough" Practice
Perfectionism feeds anxiety and stress. Practice "good enough" in one small area of your life. Your email response doesn't need to be perfect. Your presentation doesn't need to anticipate every possible question. Done is better than perfect, and perfect is often the enemy of progress.
Remember: These strategies provide relief, but professional support helps you understand the patterns underneath and create lasting change.
Smart Strategies to Maximize Your Mental Health Benefits
Once you've confirmed your coverage, here's how to use it strategically to get the most value:
The "Use It or Lose It" Strategy:
Benefits Don't Roll Over
Here's what most people don't know: mental health benefits reset every January 1st. If you have $2,000 in coverage and only use $500, you lose $1,500. Gone. Can't save it for next year. Many clients book weekly sessions in October-December to use their full year's benefits before they expire.
Family Coverage Stacking
If your spouse has benefits too, you might have double coverage. Use your coverage first, then submit remaining balance to spouse's plan. Many plans also cover your children - some up to age 25 if they're students. This can effectively double or triple your family's mental health coverage.
Strategic Layering of Benefits
Smart clients layer their benefits: Start with EAP (free sessions), then use extended health benefits, then HSA (Health Spending Account) if you have one. This can give you $5,000+ in mental health support when used strategically. Each source is separate, so you can use all of them in the same year.
Tax Deductions for the Uncovered Portion
Any therapy expenses that aren't covered by insurance can be claimed as medical expenses on your taxes. In Ontario, you can deduct medical expenses exceeding 3% of your income or $2,421 (whichever is less). For someone earning $60,000, expenses over $1,800 reduce your taxable income. Keep those receipts.
Coverage for Specific Ontario Populations
Students:
Most Ontario universities and colleges include mental health coverage. Usually $500-1000 per academic year. Check your student union health plan. Virtual therapy perfect for busy student schedules.
Self-Employed:
Private health insurance plans available through providers like Blue Cross. Professional associations often offer group plans. Therapy expenses are tax-deductible business expenses if related to work. Consider it investment in your business's most important asset - you.
Retirees:
Many pension plans include mental health benefits. Coverage often continues from employment into retirement. Check with your pension administrator. Private plans available for those without pension coverage.
Ontario Works / ODSP:
Limited coverage through special programs. May qualify for subsidized mental health services. We can provide documentation for funding applications. Sliding scale fees available in certain circumstances.
First Responders:
Enhanced mental health benefits common. WSIB coverage for work-related trauma. Union plans often have generous therapy coverage. Specialized support for PTSD and operational stress.
Insurance Coverage FAQs
I think I have coverage, but how do I know for sure?
Call the customer service number on your benefits card and ask "Is Registered Psychotherapist covered?" Takes 2 minutes and gives you a definitive answer. If you don't have a card, check with HR or look for benefit deductions on your pay stub - that usually means you have coverage.
What if I've never used my benefits before?
That's completely normal - many people don't realize they have mental health coverage until they need it. Your first claim isn't any more complicated than subsequent ones. Most insurance companies have made the process very user-friendly, especially online and through apps.
Do I need a doctor's referral to use my insurance for therapy?
No referral needed for Registered Psychotherapists in Ontario. You can book directly and your insurance covers it. This is different from seeing a psychiatrist (who does need referrals). As a CRPO-registered therapist, I can provide covered services without any referral process.
Will my employer know if I use my mental health benefits?
No. Insurance companies don't share details about individual claims with employers. Your employer knows they offer mental health coverage, but they never know who uses it or for what. Your therapy is completely confidential.
What if my coverage runs out mid-therapy?
We have options. You might be able to use your spouse's benefits, switch to out-of-pocket payments, space sessions further apart, or pause therapy until benefits reset in January. I'd rather work with you to find a solution than have you stop getting support.
Is virtual therapy covered the same as in-person?
Yes, identical coverage. Since 2020, all major insurers treat virtual therapy sessions exactly the same as in-person for reimbursement purposes. Same rates, same limits, same process. Virtual therapy often works better for busy schedules anyway.
How fast do I get reimbursed?
Most insurers reimburse within 5-10 business days when you submit electronically. Direct deposit is fastest - money appears in your account automatically. Some still mail cheques (slower), but digital submission and direct deposit are becoming standard.
Start Using Your Benefits Today
You're already paying for mental health coverage with every paycheck. Don't let another year of benefits expire unused while you struggle with stress, anxiety, or feeling overwhelmed.
Ready to Check Your Coverage?
Let's verify your benefits and get you scheduled. Most clients discover they have better coverage than expected - and wish they'd checked sooner.
Registered Psychotherapist | CRPO #10979
Insurance-Covered Virtual Therapy Throughout Ontario
Direct billing information provided
All major insurance plans accepted