Direct Billing for Physiotherapy in Calgary
Paying for physiotherapy should be simple. At Sterling Physiotherapy & Wellness in Calgary, we offer direct billing options for eligible patients whose extended health benefit or insurance plans support direct billing.
Direct billing means our clinic can submit eligible physiotherapy claims to your insurance provider on your behalf. Your insurer determines your coverage, reimbursement percentage, annual limits, deductibles, co-payments and any referral or authorization requirements.
Our team can help you understand the billing process before or during your appointment, so you know what information may be required and what portion of your physiotherapy treatment may remain your responsibility.
Direct billing may be available for eligible plans with participating insurance providers.
- Alberta Blue Cross
- Green Shield Canada (GSC)
- SSQ Financial
- Sun Life Financial
- Manulife Financial
- Canada Life
- Chambers of Commerce Group Insurance
- Cowan Insurance Group
- Desjardins Insurance
- iA Financial Group
- Johnson Insurance
- Johnston Group
- Maximum Benefit
- Claim Secure
- CINUP
- Empire Life
- Claims Xchange
- RCMP – Medavie Blue Cross
- Veteran Affairs Canada – Medavie Blue Cross
- Interim Federal Health Program for Refugees
Is your benefits provider not on the list? We might have other options for you. To make an appointment with a physiotherapist, please call our office.
Extended Health Benefits for Physiotherapy
Many Canadians have physiotherapy coverage through an employer-sponsored or personal extended health benefits plan. Depending on your policy, your plan may cover a percentage of physiotherapy treatment up to a specific annual maximum.
Before starting treatment, check your benefits plan or contact your insurer to understand what is covered. Some plans may require a referral, prescription, treatment plan or other documentation, while others may allow direct access to a physiotherapist.
If you are unsure about your coverage, our Calgary physiotherapy team can help you understand what information is needed for the billing process.
- Employer health benefit plans
- Individual extended health plans
- Physiotherapy annual maximums
- Co-insurance and co-payments
- Deductibles and remaining coverage
- Referral or prescription requirements
- Direct billing eligibility
- Insurance receipts and claim submission
Your insurance company makes the final decision about eligibility and reimbursement. Coverage can differ between employers, policies and individual benefit plans.
Motor Vehicle Accident Physiotherapy & Insurance Claims
If you have been injured in a motor vehicle accident in Calgary, physiotherapy may form an important part of your recovery and rehabilitation. Depending on your claim and circumstances, treatment may be billed through your automobile insurance coverage.
Sterling Physiotherapy & Wellness provides assessment, treatment and rehabilitation for accident-related injuries, including common concerns such as neck pain, whiplash-associated injuries, back pain, shoulder injuries and mobility limitations.
Our team can help you understand the information required for your appointment and the applicable billing process.
Please bring your available accident and insurance information to your first appointment.
- Motor vehicle insurance information
- Policy or claim number
- Date of motor vehicle accident
- Insurance adjuster information
- Accident-related injury information
- Previous treatment or healthcare information
- Relevant medical documentation
Coverage and authorization depend on your individual claim and applicable insurance requirements. If you are unsure how your accident-related physiotherapy will be billed, contact our clinic before your appointment.
WCB Physiotherapy for Workplace Injuries in Calgary
If you have been injured at work, WCB Alberta may cover approved physiotherapy and other healthcare services related to an accepted workplace injury. Sterling Physiotherapy & Wellness can provide physiotherapy rehabilitation focused on pain management, mobility, strength, function and a safe return to work.
WCB Alberta states that approved medical care can include physiotherapy, and its treatment process is designed to support recovery and return to work. :contentReference[oaicite:0]{index=0}
Having your WCB claim information available helps our team coordinate the appropriate billing and treatment process.
- Workplace injury rehabilitation
- WCB physiotherapy
- WCB claim-related treatment
- Pain and mobility rehabilitation
- Strength and functional rehabilitation
- Return-to-work rehabilitation
- Work-related musculoskeletal injuries
- Physiotherapy treatment for accepted WCB claims
Accessing AHS-funded physiotherapy
Albertans do not need a referral from a physician or healthcare professional to access AHS-funded physiotherapy. Here’s how to access services for each concern:
For general joint or muscle conditions or injuries
Call the AHS Rehabilitation Advice Line for general advice. Low-income Albertans may be eligible for virtual or in-person services (available Monday to Friday 9 a.m. to 5 p.m.). For more information, visit ahs.ca/ral. You will have to be prequalified by the Rehabilitation Advice Line before booking a visit at our clinic.
For fractures and orthopedic surgeries
You can call our clinic booking line to book for an assessment.
NOTE: Fracture and orthopedic surgery must have happened within the last 12 weeks.
AHS-Funded Physiotherapy in Calgary
Some Alberta residents may qualify for Alberta Health Services (AHS) funded physiotherapy through specific publicly funded programs. Eligibility depends on the program, condition and individual circumstances.
AHS information indicates that eligible patients may receive assessment, education, exercise programs and a set number of covered physiotherapy visits for certain conditions and rehabilitation needs. :contentReference[oaicite:2]{index=2}
If you are looking for AHS physiotherapy in Calgary, our team can help you understand whether an applicable program may be relevant to your situation and what the next step may be.
- AHS-funded physiotherapy programs
- Eligible orthopedic conditions
- Fracture rehabilitation
- Post-surgical physiotherapy
- Hip and knee replacement rehabilitation
- Joint and muscle conditions
- Mobility and functional rehabilitation
- Physiotherapy education and exercise programs
Does AHS cover physiotherapy?
AHS-funded physiotherapy is available only to patients who meet the eligibility requirements of applicable programs. Coverage, referral requirements and available services can vary, so eligibility should be confirmed before treatment.
If AHS funding does not apply to your situation, extended health benefits or self-pay physiotherapy may be alternative options.
How to Use Your Physiotherapy Benefits
- 1Check your physiotherapy coverage with your insurer
- 2Gather your policy or claim information
- 3Book your physiotherapy assessment in Calgary
- 4Provide your insurance or WCB information
- 5Confirm your billing and payment options
- 6Start your personalized physiotherapy treatment plan