Do You Offer Direct Billing?

Yes, We Offer Direct Billing at Transformation Counselling!

At Transformation Counselling, we’re committed to making your experience as smooth and stress-free as possible — and that includes handling your insurance. Yes, we do offer direct billing for therapy in Kitchener-Waterloo! But there are a few important things to know before your appointment.

Direct Billing for Therapy– How It Works

We can directly bill your insurance provider, as long as:

• Your provider is on our approved list (see below).

• Your plan includes coverage for counselling or psychotherapy services.

• Your plan allows third-party direct billing.

If your insurance company doesn’t permit direct billing, your coverage has run out, or your plan has a co-pay option, we’ll process the remaining balance using your credit card on file.

❗Note: All missed appointment and late cancellation fees are charged directly to your credit card, not your insurance provider.

When Direct Billing Is Not Available

We cannot direct bill for sessions with:

• Registered Psychotherapists (Qualifying)

• Registered Psychotherapists Requiring Supervision

• Student therapists

Additionally, some insurance companies may have specific requirements — like needing your therapist to hold a Master of Social Work (MSW) degree or have 5+ years of experience. If these requirements aren’t met, we won’t be able to direct bill your sessions with that therapist, even if your provider is on our list.

Insurance Providers We Can Direct Bill

We are able to direct bill to the following companies:

• AGA Financial Group Inc.

• Alberta Blue Cross

• Beneva

• Canada Life

• Canada Life – PSHCP

• Chambers of Commerce (Johnston Group)

• CINUP (Johnston Group)

• ClaimSecure

• Coughlin & Associates Ltd.

• Cowan (Express Scripts Canada)

• D.A. Townley

• First Canadian (Johnston Group)

• GMS Carriers 49 and 50 (Express Scripts Canada)

• Industrial Alliance

• Johnson (Express Scripts Canada)

• Johnston Group

• Maximum Benefit (Johnston Group)

• People Corporation

• RWAM (requires MSW)

• Simply Benefits

• TELUS AdjudiCare

• Union Benefits

• MDM Insurance Services

• UV Insurance

• Manulife Financial

• Medavie Blue Cross (requires MSW)

• Veterans Affairs Canada (VAC)

• Canadian Armed Forces (CAF)

• Interim Federal Health Program (IFHP)

• Royal Canadian Mounted Police (RCMP)

• Immigration, Refugees and Citizenship Canada (IRCC)

• Greenshield Insurance

• SSQ Insurance

• Empire Life Insurance

• MÉDIC Construction (GreenShield Insurance)

• RBC Insurance

Does My Insurance Cover Counselling and Therapy?

If you’re unsure whether your therapist qualifies for direct billing, or if your plan allows it, feel free to contact us! We’re happy to walk you through the process and make sure you’re getting the most out of your benefits.

📞 Contact Us Today to learn more or to book your appointment with a therapist who’s eligible for direct billing!

Still have questions?