Does Medavie Blue Cross Insurance Cover Social Workers in Ontario?
Yes—Medavie Blue Cross does cover social workers for therapy sessions.
But there’s an important detail: they typically only reimburse services provided by social workers with a Master of Social Work (MSW) designation.
Let’s break down what that means and how to make sure your sessions are covered.
What’s the Difference Between a Registered Social Worker and a Master of Social Work?
In Ontario, Registered Social Workers (RSW) are trained mental health professionals. However, not all RSWs have a Master of Social Work (MSW)—a graduate-level degree required by many insurance providers, including Medavie Blue Cross.
To be eligible for coverage, your therapist generally needs to be both an MSW and registered with the Ontario College of Social Workers and Social Service Workers (OCSWSSW).
At Transformation Counselling, many of our social workers meet this standard and are eligible for Medavie Blue Cross coverage.
How Much Will Medavie Blue Cross Cover Per Therapy Session?
Coverage depends on your specific benefits plan. That said, many clients report that Medavie Blue Cross reimburses 80–100% of therapy costs, usually amounting to $140–$220 per session.
Plans may include a yearly maximum, so it’s a good idea to check your benefits directly through your Medavie Blue Cross portal—or contact us, and we’ll help you verify your coverage.
Are Psychotherapists Covered by Medavie Blue Cross?
Yes, Medavie Blue Cross also covers therapy provided by:
These professionals provide the same high-quality counselling and psychotherapy services as social workers, including support for anxiety, trauma, relationship challenges, and depression. They are regulated by the College of Registered Psychotherapists of Ontario (CRPO).
Our team at Transformation Counselling in Kitchener-Waterloo includes both MSWs and psychotherapists, so you can choose the right fit—and be covered by your insurance.
Not Sure If You're Covered? We Can Help.
Insurance can be confusing—but we’re here to make it simple.
Just send us a photo of your Medavie Blue Cross insurance card, and we’ll check your coverage for you. If you're working with one of our therapists, we can even direct bill, so you don’t have to submit receipts yourself.
You’re Not Alone—Let’s Get Started
Whether you're looking for individual therapy, marriage counselling, or couples therapy in Kitchener-Waterloo, we’re here for you.
With over 30 experienced therapists in Kitchener and Waterloo, we offer both in-person and online therapy to meet your needs—whatever you’re facing.
Ready to get started?
Click the button below to fill out our quick intake form and we’ll match you with the right therapist for your needs—and your insurance.