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We can direct bill to most insurance companies for your treatment, as long as your insurance plan allows for direct billing. 

Please note that it is our policy that you must have alternate payment available in the event that billing your insurance directly is not available for any circumstance. 

Sometimes insurance provider portals crash or are down due to system maintenance, or perhaps your insurance provider requires more information and will not approve treatment coverage at this time. We do not have any control as to how your insurance provider determines approval. 

We can certainly direct bill both your primary and secondary insurance plans in most cases. 

Some insurance companies do not allow direct billing if they are a secondary plan. We do not have control over this unfortunately - instead, you must pay and submit the treatment yourself to the secondary insurance company. This varies by case and as per our policy, we recommend to have alternative payment available in case your secondary plan will not direct bill. We will always attempt to bill both plans and let you know if any issues arise.

Insurance companies that usually do not direct bill as a secondary plan through TelusHealth are:

• Canada Life
• ClaimSecure
• Desjardins
• Equitable Life
• FirstCanadian
• Industrial Alliance (IA) Insurance
• GroupHealth
• GroupSource
• Johnston Inc./Johnston Group.
• Manion
• Manulife
• RWAM
• Simply Benefits
• any other insurance provider that is affiliated with TelusHealth

We understand the confusion! Insurance companies can be tricky, most especially when there is a coordination of benefits across multiple plans involved. 

Insurance coordination of benefits, depending on which two insurance providers you are with, will work in 1 of the following ways:

• By birth year: Whomever is born first by year, that person's insurance will be Primary and must be billed first.
• By birth month: Whomever is born first within the calendar year, that person's insurance will be Primary and must be billed first. 
• Or solely your plan will be the Primary as it is under your name first, and then your spouse's plan will be the Secondary. 

Each insurance provider is different and may determine coordination of benefits in accordance to one of the above rules. 

We can most definitely direct bill your Alberta Blue Cross Seniors' Plan.

Unfortunately, we are given very little information from your insurance provider when we submit your treatment claim. 

If at the end of your appointment, there is a co-pay amount remaining that must be paid that your insurance company will  not cover, it is likely that: 

• your plan has $X amount of benefits per year, and will cover a certain percentage of each treatment. For example, you receive up to $500 in massage benefits annually and will cover 60% of the treatment  cost per visit. 

For any clarification on your benefits coverage, please contact your insurance provider directly. 

Unfortunately, we are given very little information from your insurance provider when we submit your treatment claim. 

Most of the time, your insurance company will cover a larger amount for Initial Exams/Assessments and then for subsequent treatments, will only cover a certain percentage. 

• For example, your plan has $X amount of benefits per year, and will cover a certain percentage of each treatment. For example, you receive up to $500 in chiro benefits annually, it will cover up to $150 for initial exams,  and will cover 60% of the treatment  cost per visit up to $65. 

For any clarification on your benefits coverage, please contact your insurance provider directly. 

We certainly do offer treatments for Motor Vehicle Accident injury claims. 

Alberta offers Motor Vehicle Accident injury treatment through what is called the  Diagnostic Treatment Protocols Regulation (DTPR), and will cover either 10 or 21 treatments (all modalities) depending on your injury diagnosis. With the DTPR, each treatment is set at a provincially regulated rate and your vehicle insurance company will compensate the clinic directly for your treatments. 

After the DTPR is over, you may be eligible for Section B treatments if your injury has not resolved. Like the DTPR, Section B is also provincially regulated. However, unlike the DTPR, Section B does not completely fund your treatment. If you have extended health benefits (ex. Sunlife, Manulife, Blue Cross, etc), they must be billed first for your treatment and then Section B will cover the remaining cost that your extended health insurance does not. 

If you were recently in a collision and have not yet begun treatment/filed a claim with your vehicle insurance, please book an MVA Assessment with us and report the accident to your vehicle insurance company as soon as possible. 

If you were recently in a collision and have already been receiving treatment elsewhere, but would like to also receive treatment at YYC Sport & Spine, it is important to note that MVA injury claims will only cover 1 assessment per claim. A 2nd assessment at our clinic is necessary and will likely not be covered by your MVA claim; however, all subsequent treatments after this 2nd assessment are still eligible for coverage. 

We are able to offer treatments through WCB for chiropractic or physiotherapy if you have an existing WCB claim. 

WCB is a regulated program and treatments are set at specific rates, mandated through WCB.

AHS has several clinics throughout the province that they have explicit contracts with. These contracts allow clinics to offer treatments to Albertans at no cost and AHS compensates the clinic directly for the service.  

Unfortunately, we are not a AHS contracted/funded facility so we are unable to offer coverage through AHS at this time. You can request a list of AHS affiliated facilities from AHS directly. 

If you were prescribed a certain amount of treatments by a family physician or recommended for outpatient treatment after a surgery, your treatments are likely being offered and covered through AHS at no cost to you. This means that you can only receive treatment at an AHS contracted facility. 

The AISH program is offered by the government of Alberta for those Albertans that have disabilities or medical conditions that qualify them for benefits. This may include coverage for treatment, including chiropractic and physiotherapy. 

AISH has several contracts with clinics throughout the province. These contracts allow clinics to offer treatments to Albertans at no cost and the government compensates the clinic directly for the service. 

Unfortunately, we are not an AISH contracted/funded facility so we are unable to offer coverage through AISH at this time. You are able to request a list of AISH affiliated facilities from your case worker. 

The Alberta Works program is offered by the government of Alberta for low-income Albertans that have  high medical needs or are pregnant and qualify them for benefits. 

Alberta Works covers many basic health resources such as dental, eye care, prescription medications, ambulance, and diabetes coverage. 

Unfortunately the Alberta Works program does not cover services such as chiropractic, physiotherapy, and massage therapy. Due to this, we are unable to accept Alberta Works as coverage for your treatment at our clinic.

The Non-Insured Health Benefits Program (NHIB) is a government program that provides eligible First Nation and Inuit individuals with coverage to certain medical benefits. 

The NHIB program covers the following:

• vision
• dental
• mental health counselling
• medical supplies and equipment
• prescription drugs and some over-the-counter products
• medical transportation

Unfortunately the NHIB  program does not cover services such as chiropractic, physiotherapy, and massage therapy. Due to this, we are unable to accept the NHIB as coverage for your treatment at our clinic.

For more information on the NHIB program, you can read more here.