Physiotherapy Direct Billing in Brampton: How Insurance Works at TWR
Confused about physiotherapy insurance in Ontario? Learn how direct billing works at Total Wellness Rehab Brampton and what your plan may cover.
One of the most common questions we hear at our Brampton clinic: "Will my insurance cover physiotherapy?" Here's a clear guide to how billing works at Total Wellness Rehab.
Extended Health Insurance
Most Ontario employers provide extended health benefits covering physiotherapy — typically $500 to $1,500 per year per person. We direct-bill your insurer so you pay little or nothing out of pocket at the time of your visit.
Motor Vehicle Accident Claims
If you were injured in a car accident, your auto insurance covers MVA physiotherapy under Ontario SABS — regardless of fault. We submit OCF forms and bill your auto insurer directly.
WSIB and Workplace Injuries
Work-related injuries may be covered through WSIB. Bring your claim number and we coordinate billing with the Workplace Safety and Insurance Board.
What If I Have No Insurance?
We offer competitive private rates and a Free initial Assessment ($59 value) so you can start your recovery without a large upfront commitment.
Services Covered Under Physiotherapy Benefits
Standard physiotherapy, advanced modalities (TECAR, shockwave, laser, SIS), exercise prescription and reassessment visits are typically covered under your physio benefit.
Book With Confidence
Book your Free initial Assessment ($59 value) at Total Wellness Rehab or call +1 905 867 1640.
Frequently Asked Questions
Which insurance companies do you direct bill?
We direct bill to most major Canadian insurers including Sun Life, Manulife, Canada Life, Green Shield and more. Contact us to confirm your specific plan.
Do I need a referral for insurance coverage?
Most plans do not require a referral, but some do. Check your benefits booklet or call us — we help patients navigate this daily.
Is the initial assessment covered?
Yes. Your first physiotherapy assessment is billed as a standard physiotherapy visit and is covered under most extended health plans.
Ishani Sanghavi, PT
Lead Physiotherapist
Lead physiotherapist and clinic director at Total Wellness Rehab Brampton, specializing in orthopedic and sports rehabilitation.
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