Psychotherapy Insurance, Direct Billing & Claims in Oshawa
What Direct Billing Means
Direct billing means we submit your claim to your insurer at the time of your session, so you don’t need to send in receipts yourself.
Direct billing is available for some insurers and with some of our therapists. Whether it’s an option for you depends on:
- Your insurance provider. Some insurers do not accept direct billing for psychotherapy.
- Your therapist. Not all of our therapists can direct bill every insurer, so availability will vary.
- Your specific plan. Claim approval always depends on your plan’s coverage.
If You Have More Than One Insurance Plan
If you’re covered by more than one plan, such as your own and a spouse’s or parent’s, we’re able to direct bill one insurance provider. Any remaining balance will be charged to your card on file, and we’ll provide a receipt so you can submit a claim to your second provider.
We’re continuing to expand our direct billing options, so availability may change over time.
Credit Card on File
A credit card on file is required for all client accounts, including those using direct billing. It may be used when:
- You don’t have insurance coverage
- Your plan covers only part of the session fee
- A balance remains after your primary insurer’s payment
- Your yearly benefits have been used
- A claim is declined by your insurer
- Direct billing isn’t available for your insurer or therapist
Late cancellations, missed sessions, and changes made with less than 48 hours’ notice will be charged the full session fee to the card on file.
Please note that most insurance plans do not cover these fees. You’ll receive a receipt labelled as a late cancellation or missed session fee, which you may submit to your insurer if your plan includes this type of coverage.
Questions About Direct Billing
Not sure if direct billing applies to you? Simply mention your insurance provider during your free 15-minute consultation, and Simar will let you know what’s available before you’re matched with a therapist.
When direct billing isn’t available, your session fee will be charged to your card on file, and you’ll automatically receive a receipt to submit to your insurer for reimbursement.
Taking the First Step Together
Whether you’d like to work directly with Simar or with another therapist on our team, every journey begins with a free 15-minute consultation with Simar. She’ll take the time to understand your needs, answer your questions, and guide you, your child, or your family to the right therapeutic fit. Now welcoming new clients.