If your benefits are through Beneva, you may be wondering whether therapy is covered before you book. It's a smart question to ask. The honest answer is that it depends on your specific plan. Two people with Beneva cards can have very different mental health coverage. This guide explains what to look for, how to check your own coverage using Beneva's tools, and what to ask before your first session so there are no surprises.
We can't confirm anyone's coverage for them, but we can help you know what to ask.
The short answer: it depends on your plan
Beneva offers group insurance through employers, associations and other groups. Each group chooses what its plan includes. That means coverage for counselling or psychotherapy can range from none at all to a set amount each year.
Your plan decides things like:
Which types of practitioners are covered.
What percentage of each session is paid back, or a set dollar amount per visit.
The yearly maximum, and whether it's shared with other professionals.
Whether you need any paperwork beyond a receipt.
So instead of asking "Does Beneva cover therapy?", the more useful question is "What does my Beneva plan cover for therapy?"
Plans can also change over time, so it's worth checking your current details even if you looked them up last year. If you're covered as a spouse or dependant, the same questions apply to the plan you're on.
Which practitioner titles to look for
Plans usually list coverage by the provider's professional title, not by the type of problem you're working on. When you look at your benefits, watch for titles like:
Psychologist
Psychotherapist
Social worker
Marital and family therapist
Not every plan includes every title. For example, a sample Beneva group contract posted on Beneva's website, contract 109995, lists coverage for psychologists, psychiatrists, psychoanalysts in an outpatient clinic and psychotherapists, but doesn't list social workers in that same line. Your plan may be different, which is why the wording matters.
At our clinic, therapy is provided by Registered Psychotherapists (RPs) and Registered Social Workers (RSWs), and psychologists provide assessments and therapy. Knowing your therapist's title helps you match it to your plan.
How percentages and maximums work
Plans often describe coverage in one of two ways:
A percentage. The plan pays back a share of each session, such as half, up to a yearly maximum.
A dollar amount per visit. The plan pays up to a set amount per session, up to a yearly maximum.
Many plans also use a combined maximum. That means one yearly amount is shared across several professionals, such as psychologists and psychotherapists together.
Here's a dated example, only to show how the wording works. Beneva's sample contract 109995, an administrative version dated January 1, 2026, for a Quebec retiree association plan, shows three options. The basic option doesn't cover these professionals. The intermediate option pays $90 per visit up to $600 per calendar year, shared across psychologists, psychiatrists, psychoanalysts in an outpatient clinic and psychotherapists. The enhanced option pays $90 per visit up to $700 per calendar year for the same group. This is one example, not a typical amount, and your Ontario plan may look nothing like it.
How to check your coverage
Beneva gives members a few ways to check.
Use the coverage tool. Beneva's Check your healthcare coverage page explains that reimbursement information is available in a tool in the Client Centre. You can see your reimbursement percentages and limits, and enter an expense to estimate what you'd get back.
Have your card handy. To find the right steps, Beneva asks for the group or policy number of your plan. Beneva notes that you can find these numbers on your group insurance card.
Log in to the Client Centre. The Beneva Client Centre is where members manage their group insurance online, including claims.
Call if you're unsure. Beneva's coverage page lists 1 888 235-0606 for questions.
Ask HR or your plan administrator. They can often share your benefits booklet, which spells out the details.
When you check, write down the covered titles, the amount or percentage, the yearly maximum and whether that maximum is shared.
Two plans? Coordination of benefits
If you're also covered under a spouse's plan, you may be able to claim from both. Beneva's coordination of benefits page explains how this works:
For your own claims, submit to your own plan first.
Your spouse submits their claims to their own plan first.
For children covered by both parents' plans, the primary plan is the one covering the parent whose birthday comes first in the calendar year.
Beneva also notes that the total paid by all plans together can't be more than what you actually paid. Using two plans can help stretch your coverage, but it won't pay you more than the session cost.
Receipts and claims
After a session, you'll get a receipt. Keep it, even if you claim online right away. Beneva's claiming help guide explains that when you submit a claim online, you choose the type of care shown on your receipt and can look up your provider using the phone number on your receipt. It also notes that supporting documents, such as receipts, may be requested before a claim can be processed.
Check that your receipt shows your provider's professional title, so you can match it to your plan. If you have questions about a specific claim, Beneva's Help Hub is a good place to start.
Questions to ask before your first session
A few minutes of checking can save you a surprise later. Before you book, try to find answers to these questions, either in your benefits booklet, the Client Centre or by calling Beneva:
Does my plan cover psychotherapy, and under which professional titles?
Is coverage a percentage or a set amount per visit?
What is my yearly maximum, and is it shared with other professionals, like massage therapy or physiotherapy?
How much of that maximum have I already used this year?
Does my plan accept claims for Registered Psychotherapists, Registered Social Workers or both?
Can my claims be direct billed by the clinic, or will I submit them myself?
Am I also covered under a spouse's plan?
It can help to write the answers down in one place, like a note on your phone. Then, when you speak with our team, you'll have everything ready, and we can help you find a therapist whose title fits your plan.
Direct billing at our clinic
Direct billing means the clinic sends the claim to your insurer for you, so you only pay any amount your plan doesn't cover. Beneva is on our list of insurers we can direct bill.
There are some conditions. Your plan must include counselling or psychotherapy coverage and allow direct billing. We can't direct bill for sessions with Registered Psychotherapists (Qualifying), RPs requiring supervision or student therapists, and some insurers have their own rules about a therapist's training or experience. If direct billing isn't possible, you can pay for the session and submit the claim yourself. You can read the full details on our direct billing page.
Direct billing is about how a claim is sent, not about what's covered. Your coverage still depends on your plan.
What it costs
Sessions with our therapists are $130 to $200, and couples and family sessions are $170 to $200. Student therapists, who are completing their master's degrees under supervision, offer sessions for $0 to $80. Depending on your plan, insurance may cover part or all of the session fee. We also accept Health Spending Accounts. For more on insurance in general, see our guide to whether your insurance covers counselling.
Your next step
If you're still unsure, that's okay. Book a free 15-minute consultation with our admin team. You can ask about direct billing for your Beneva plan, which therapist titles are available, and how to get started. There's no waitlist.
Checking your coverage takes a few minutes. Once you know what your plan offers, you can focus on getting the support you came for.