Now Accepting New Clients. Book Individual, Couples, or Family Therapy.

Insightful Journey with Simar Gill Lowther

647-982-2527

  • home
  • services
  • FEES & INSURANCE
  • Simar
    • About Simar
    • Psychoeducational Session
    • Supervision
  • Team
    • Meet the Team
    • Brooklyn Clifford
    • Ngoc Long Khang Nguyen
    • Mary Krohnert
    • Jason Holtz
  • RESOURCES
  • Contact Us
  • More
    • FAQ
    • Plan Your Visit
    • Gift Cards
  • More
    • home
    • services
    • FEES & INSURANCE
    • Simar
      • About Simar
      • Psychoeducational Session
      • Supervision
    • Team
      • Meet the Team
      • Brooklyn Clifford
      • Ngoc Long Khang Nguyen
      • Mary Krohnert
      • Jason Holtz
    • RESOURCES
    • Contact Us
    • More
      • FAQ
      • Plan Your Visit
      • Gift Cards

647-982-2527

Insightful Journey with Simar Gill Lowther
  • home
  • services
  • FEES & INSURANCE
  • Simar
    • About Simar
    • Psychoeducational Session
    • Supervision
  • Team
    • Meet the Team
    • Brooklyn Clifford
    • Ngoc Long Khang Nguyen
    • Mary Krohnert
    • Jason Holtz
  • RESOURCES
  • Contact Us
  • More
    • FAQ
    • Plan Your Visit
    • Gift Cards

Therapy Fees & What to Expect

All sessions include dedicated direct client time, with the remaining time reserved for notes, care planning, and record-keeping to support the quality and continuity of your care.


Individual Therapy Session

A free consultation is required before your first session. This is a brief introductory call where you can connect with your therapist, ask questions, and discuss your goals so that when you arrive for your first session, the focus is entirely on you and your care.

In-Person / Virtual Individual Therapy (60 minutes)

$150 to $160

In-Person / Virtual Individual Therapy (90 minutes)

$225

Couples Therapy Session

In-Person / Virtual Individual Intake Assessment Session (60 minutes)

$160

Each partner completes an individual intake session before beginning joint therapy. This allows your therapist to understand each person's perspective privately before you come together. Both partners must create individual profiles.

In-Person / Virtual Couples Therapy (60 minutes)

$180

In-Person / Virtual Couples Therapy (90 minutes)

$255

Family Therapy Session

Each family member must create an individual client profile and complete intake forms before the first session. Please link all related profiles to ensure coordinated care. Privacy and informed consent are maintained individually for each family member.

In-Person Family Therapy (60 minutes)

$180

In-Person Family Therapy (90 minutes)

$255

Psychoeducational Sessions

In-Person/ Virtual Psychoeducational Session (90 minutes)

$250

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Firm rule: Reschedules/cancellations under 48 hours or no-shows are charged the full session fee.

Rescheduling, Cancellations, and Missed Appointments

Your session time is reserved especially for you, and we understand that unexpected things can come up. We kindly ask for at least 48 hours’ notice if you need to reschedule or cancel your appointment. Appointments changed or missed within 48 hours are billed at the full session rate, as this time is set aside just for you and cannot usually be filled on short notice. For clarity and to ensure your request is received, please email your therapist directly, as this is the only accepted method of communication for reschedule or cancellation requests.


Simar Gill Lowther, RP: simar@insightfuljourney.ca
Ngoc Long Khang Nguyen, RP (Q): khang@insightfuljourney.ca
Brooklyn Clifford, RP (Q): brooklyn@insightfuljourney.ca
Jason Holtz, RP: jason@insightfuljourney.ca
Mary Krohnert, RP (Q): mary@insightfuljourney.ca

Direct billing for insurance

What Direct Billing Means

Direct billing allows us to submit your insurance claim directly to your provider at the time of your session, so you do not have to submit receipts manually. Whether a claim is approved depends on your individual plan and provider.


Please note that not all insurance providers are supported through the TELUS eClaims system, and coverage varies by plan.

Current Availability

Direct billing is currently beginning for Simar’s clients. Our Insightful Journey associates are in the process of completing their individual billing authorizations and will also begin offering direct billing once their approvals are finalized.

Adding Your Insurance Information

Clients are encouraged to log into their Insightful Journey client portal and add their insurance information to their profile before their next session. 

If you prefer, you are welcome to bring your insurance details to your appointment and we can assist you at that time. Please note that if this is done during a session, a portion of your appointment time may be used to complete the process.

Credit Card on File

A credit card on file is still required for all client accounts. 


This supports situations where:

  • A client may not have insurance coverage
  • Insurance plans only cover a portion of the session fee
  • Insurance benefits may have already been used for the year
  • Claims may occasionally be declined by the insurance provider for reasons outside the clinic’s control
  • Your insurance plan may not be supported through TELUS eClaims


If direct billing is not available or a claim is declined, the card on file may be used to process the session fee. You will still receive a receipt that can be submitted to your insurance provider for reimbursement when applicable.

Questions About Direct Billing

If you have questions about direct billing or need assistance adding your insurance information, please feel free to contact Simar. We are always happy to help guide you through the process.


Our goal is to make accessing care as smooth and supportive as possible while maintaining transparency around insurance coverage and billing procedures.

Insightful Journey Inc.

57 Simcoe Street S, Ground Floor 1, Oshawa, ON, L1H 4G3

Connect by Call, Text or WhatsApp at 647-982-2527

Copyright © 2024 Insightful Journey Inc. - All Rights Reserved.

Powered by

We Use Cookies

We use cookies to make our website work better for you and to learn what’s helpful on our site. If you agree, your information is combined with other visitors’ data so we can improve the experience for everyone.

Accept