Navigating insurance for counselling sessions doesn’t have to be stressful. At the Calgary Mental Health & Wellness Centre, we aim to make the process as straightforward as possible. Here’s everything you need to know to ensure a smooth experience when using your insurance.

Step 1: Checking Your Coverage

Before booking a session, we recommend to confirm the details of your insurance plan. Contact your provider and ask:

  • Is counselling/therapy covered under my plan?
  • Can my sessions be direct billed or do I need to self submit?
  • What percentage of the cost is covered?
  • What is my yearly maximum coverage?

We cannot see your coverage details, such as the percentage paid by your provider or your yearly allowance. Please verify this information directly with your insurance company before your first session to avoid surprises.

Step 2: Can My Insurance Be Direct Billed?

We work with most insurance providers and can even direct bill multiple plans if you’re covered under more than one. However, Sun Life Financial does not allow direct billing. If you’re with Sun Life, you’ll need to pay upfront, and we’ll provide a receipt with all the necessary information for you to submit your claim.

Step 3: Providing the Necessary Information

To set up direct billing, please have the following details ready:

For general insurance:

  • Name of your insurance provider
  • Your full legal name
  • The name of the policyholder (if it’s not you)
  • Date of birth
  • ID or certificate number
  • Plan, policy, or group number

For NIHB (Non-Insured Health Benefits):

  • Your full legal name
  • Date of birth
  • Status number

Please note: NIHB covers up to $187 per hourly session. Any remaining balance will be charged to the card on file.

Step 4: Handling Remaining Balances

If there’s a portion of your session fee not covered by your insurance:

  • The remaining balance will be charged to the card on file.
  • If your insurance doesn’t allow direct billing, you’ll receive a receipt with all the details needed to submit your claim independently.

Why Direct Billing Makes Life Easier

Direct billing allows you to focus on your mental wellness by reducing the hassle of paperwork and reimbursements. Our team is here to make the process as smooth as possible so you can get the support you need.

If you have any questions about insurance or are ready to book your first session, reach out to us or schedule your free 20-minute online consultation today!