If you’re an Ontario resident with Sun Life insurance and you’ve been looking for therapy services that offer direct billing, there’s great news: Sun Life is expanding eClaims (direct billing) access to more mental health professionals, including psychologists, social workers, and psychotherapists. This means you may soon be able to skip the paperwork and get reimbursed automatically when working with a provider like Transformation Counselling.
Let’s explore what this change means, when it takes effect, and how you can take advantage of it.
What Is Sun Life eClaims and Direct Billing?
Sun Life’s eClaims system allows health care providers to bill Sun Life directly for covered services. Instead of paying out-of-pocket and submitting your receipts for reimbursement, direct billing makes the process smoother for you:
No need to submit receipts manually
Get coverage applied immediately at your appointment
Only pay the remaining balance (if any)
This has long been available for certain health professionals, but mental health providers were not included until now.
When Will Sun Life Direct Billing Be Available for Mental Health Services?
Sun Life has announced a phased rollout of eClaims access for additional providers. The key dates for mental health services in Ontario are:
October 1, 2025 – Direct billing available for:
Psychologists
Social Workers
December 1, 2025 – Direct billing available for:
Registered Psychotherapists
Clinical Counsellors
At Transformation Counselling, our team includes all three major types of regulated professionals in Ontario: psychologists, registered social workers, and registered psychotherapists. This means that as of these rollout dates, we will be able to directly bill Sun Life on your behalf, provided your plan allows it.
Why This Matters for You
We understand that seeking therapy is already a big step. The last thing you need is the hassle of navigating insurance paperwork. With direct billing to Sun Life, you get:
Less stress and more time to focus on your mental health
Faster financial processing – usually within 24 hours
No up-front cost (when your plan covers 100%)
At Transformation Counselling, we’re committed to removing barriers to accessing quality therapy. This change helps us do just that.
Do You Have Coverage? Let’s Find Out.
Sun Life coverage varies by plan, but many include generous allowances for therapy with:
If you’re not sure what your plan covers or whether direct billing will apply, our team can help.
Book a Therapy Session with Sun Life Direct Billing Today
As soon as the rollout dates arrive (October 1 and December 1, 2025), Transformation Counselling will be ready to bill Sun Life directly for all eligible clients.
Get matched with a therapist
Verify your Sun Life coverage
Book your first appointment
Take the first step today — reach out to our team to confirm your benefits or schedule your initial consultation.
Additional Articles and Resources
Starting October 1, 2025, psychologists and social workers and as of December 1, 2025, psychotherapists will be able to directly bill Sun Life for therapy sessions. This means less hassle, no paperwork, and faster reimbursements.