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Get Your Health Services Without Paying Upfront
Direct Billing Program
Common services that extended health insurance plans might include are:
- Massage Therapy
- Naturopathic Medicine
- Counselling and Psychotherapy
Providers who Direct Bill include
- Pacific Blue Cross
- Great West Life
- Sun Life Financial
- Chambers of Commerce
- Group Insurance
- Johnston Group
Do other Providers Offer Direct Billing?
Autism Society, First Nations Authority are some examples of non-non-government organizations which offer funding for services like Counselling. You will need to apply direct and get a letter confirming the amount covered. These are typically billed directly by Cave as well.
ICBC – have an injury? We direct bill to ICBC for you.
The three main services that can be direct billed by Cave, so you don’t pay up-front, are:
- Registered Massage Therapy
Do all Extended Health Plans offer Direct Billing?
Each plan is unique to the individual, and depends on the following factors:
1. Your Employer
2. The Insurance Company
3. The specific Plan or Policy that your Employer chooses within this
For example, your Pacific Blue Cross policy might include $500 toward massage therapy, while your spouse’s Great West Life policy through their employer might only get $300. Amounts are decided on by each company, and are often negotiated by unions. Also, you may get 100% coverage of your service, whilst your spouse may only get 85% coverage, etc.
How is Direct Billing done?
Simply bring your extend benefits card which includes your policy and plan numbers and we can directly bill for you!
Will I Ever Have to Pay up Front?
Each plan is different so it depends on your plan.
If your plan only covers a portion of the visit (i.e. 80%) you will have to pay the difference to the clinic,
If your plan has a deductible, which you pay on your first visit, you will have to pay the difference to the clinic.
No all services can be billed directly, however you can still claim for your service, you will need to keep your receipt and submit it yourself via mail, email, or an app.
Questions to ask your provider:
Being prepared for direct billing before you come in for your first visit for is always a good idea. Due to privacy issues, you are the only one who can ask about your plan. Plan to make a quick phone call and ask the following questions:
What is my coverage period?
What Health Services am I covered for?
Do I have an annual deductible?
What are my maximums for each category? (dollar amount)
Up to what amount is covered per each visit? Is it different for initial visits versus follow-ups?
Does my plan cover Counsellors or only Psychologist?