FAQs – Frequently Asked Questions
Is Occupational Therapy, Speech Therapy or Physiotherapy covered by pubic or private insurance plans?
- Private Occupational Therapy, Speech Therapy or Physiotherapy is paid for by the you our client, you the parent or a third party payer.
- If you have extended health care benefit insurance, it may cover private therapy. You may submit your paid receipt for private therapy to your insurance company to be reimbursed by them.
- You or your employer may also pay for Occupational Therapy at work. If you have a work-related injury, Occupational Therapy at work helps! Please speak to your employer.
- If you have an illness or injury from a motor vehicle accident, Occupational Therapy, Speech Therapy or Physiotherapy may be covered under your auto insurance plan. Ask your physician for a referral (often required by motor vehicle accident insurance companies) and speak to your insurer about Occupational Therapy.
- If you are receiving long term disability benefits or critical illness benefits, your benefits may cover Occupational Therapy,. Speech Therapy or Physiotherapy. Ask your physician for a referral (often required by disability insurance companies) and then speak to your insurer about Occupational Therapy.
- If you are a Canadian armed forces member or veteran, the Department of National Defense or Veterans Affairs Canada may cover Occupational Therapy, Speech Therapy or Physiotherapy. Ask the Department of National Defense or Veterans Affairs Canada.
- Community organizations, churches, service groups and unions may also support their members by paying for private Occupational Therapy, Speech Therapy or Physiotherapy. Ask for their help.
- If you have a social worker helping you, s/he is often a great help in finding other resources to help pay for therapies including Occupational Therapy, Speech Therapy or Physiotherapy. Ask your social worker too!
- Occupational Therapy, Speech Therapy and Physiotherapy is a tax deductible medical expense per Canada Revenue Agency.
- Private, individual clients pay at the end of each session, by cash, cheque or Visa or MasterCard. We accept debit card only onsite at our Saint John clinic location.
- Private, individual clients will be provided with standardized assessment results and/or reports only upon receipt of payment
- You may wish to seek private therapy if you or your child are on a waiting list for public therapy (where it is available) or if you want to supplement the therapy you or your child is receiving with a public therapist.
- It is very important to let your private therapy know that you are waiting for public therapy or if you have seen a public therapy in the past. Likewise, when you first see a public therapist it is important to let him/her know that you or your child have been seen by a private therapy in the past or are seeing one currently. It is also helpful to share any written reports or recommendations with both therapists.
- Finally, you may wish to have both public and private therapists work with you and your child concurrently. If so, it is critical for you to communicate who is addressing which therapy goal in treatment.
- Our services are mobile, which means we can come to you!
- A therapist will visit you by pre-arranged appointment.
- A therapist will help your child at home, daycare or school; you at your home or office; an employee on the job site; your senior parent at their home, special care or nursing home.
- For private paying clients, we offer a free travel zone when visits are within 15 minutes of our clinic location at 206-555 Somerset St. Saint John, or 924 Prospect St. in Fredericton or in Riverview.
- For mobile visits to private paying clients outside of the free travel zone, travel expenses are charged.
- Third party funders must always pay travel expenses.
- We provide copies of reports to parents and clients when requested AND paid for.
- Third parties, such as health care professionals, should request a copy of our report directly from parents or clients.
- We complete a formal, written report when we complete standardized assessment and/or when requested by a client, parent or funding source.
- We do not complete a formal, written report for all clients, as some clients, funders or parents choose not to authorize a report of that nature.
- Parents may always be provided with copies of our handwritten clinic visit notes or recommendations.