INSURANCE COVERAGE

One of the main reasons why people do not seek chiropractic care is cost. There are several programs available that cover partial or all treatment expenses for the patient. If you are eligible for any of these programs, your chiropractor can assist you with obtaining coverage and will answer any questions you may have.


Work Safe BC
Please note, at this time, we are not accepting new Work Safe BC Claims. We apologize for any inconvenience.


ICBC

ICBC provides coverage to motorists who are injured as a result of a collision. There are no out of pocket expenses.* Simply provide your claim number to us prior to your appointment to confirm that you have been approved.

Coverage is provided for office visits and x-rays for injuries resulting from motor vehicle accidents. Dr. Thai will provide, upon request, a medical legal report and attend court when requested by your or ICBC’s lawyer. If you are injured, you should consult their doctor of chiropractic as soon as possible following their car crash. No referral is required.

Treatment costs are covered for the entire length of recovery. Contact your chiropractor as soon as possible if you have been involved in a crash. They will complete all of the required injury reports.

*ICBC guarantees coverage of chiropractic and massage treatments within 12 weeks of the date of injury and the date of your appointment. If the date of your injury was more than 12 weeks prior to the date of your appointment, ICBC will not cover the cost of treatment. Please call the clinic during regular business hours to provide us with your claim adjuster’s contact information, or send us an email at info@fleetwoodchiropractic.ca. We require their contact information so that we can request pre-approval of coverage for you.

If we do not receive the claim adjuster’s contact information prior to your appointment with enough time for the adjuster to respond to us with confirmation of pre-approval, you will have to pay for your appointment out of pocket. We will reimburse you if approval is given by your adjuster.


Medical Service Plans (MSP)

M.S.P. provides partial coverage only for persons on premium assistance. Please call the clinic during regular business hours for details. Fees related to x-ray examinations, insurance reports, and requested letters not insured otherwise are the patient’s responsibility. No referral is required.

If you are currently enrolled in the MSP Premium Assistance Program, MSP contributes $23 per visit for a combined annual limit of 10 visits each calendar year for the following services: acupuncture, chiropractic, massage therapy, naturopathy, physical therapy and non-surgical podiatry.

Extended Health Plan Benefits
Patients may receive reimbursement of office fees from most extended health benefit plans, such as those offered through Pacific Blue Cross.  Extended health benefit information is available from your employer. This office will help with the completion of required forms and provide receipts that should be sent to your extended health benefits provider.

We also offer direct billing service to the following group of insurance providers:

  • Canada Life (formerly known as Great West Life)
  • Chamber of Commerce
  • Desjardins
  • Equitable Life of Canada
  • Empire Life
  • Greenshield
  • Industrial Alliance
  • Johnson Insurance
  • Johnston Group
  • Manulife
  • Maximum Benefit
  • Nexgen
  • Pacific Blue Cross
  • People Corporation
  • SSQ
  • Standard Life
  • Sun Life

If you do not see your insurance company listed here, please do not hesitate to contact us as we may in fact be able to direct bill invoices to them.

Please keep in mind that every Extended Healthcare Benefit Plan is unique. Certain policies may not allow for direct billing and require the patient to submit each appointment receipt themselves. We encourage all our patients to call and check with their Extended Healthcare Provider to ensure that they are eligible for direct billing.

We also encourage all patients to check current coverage policies, as well as any deductible or co-pay amounts with your respective insurance provider(s) prior to your appointment. By doing this, you can ensure that you are aware of your current coverage amount, as well as any amount that you may have to pay out of pocket.

Please note, we do not direct bill for orthotic orders. We can certainly provide you with electronic and/or printed receipts for you to submit to your insurance provider.

Pacific Blue Cross
Over 60% of British Columbians have insurance benefits through Pacific Blue Cross. Most group benefit plans offer medical coverage for chiropractic treatment. Pacific Blue Cross also offers eClaims service which allows you to submit your chiropractic claims online and receive reimbursement quicker than ever before. Contact your employer’s Human Resources department or ask your benefits provider directly to find out more about coverage for Chiropractic Treatment.

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