There are many people who want to begin therapy, only to hesitate once they figure out the costs of mental health care, or get confused by their private or workplace insurance coverage. It isn’t a perfect system, but with the right information, people can make informed decisions about their care and their budget.
At Ottawa Therapy Group, our team of mental health practitioners includes psychologists, psychotherapists, and social workers all contribute to our team, and each designation interacts with benefits plans a little differently. Changes from providers like Sun Life, which now include a wider group of professionals in their workplace health benefits plans, are a step toward more accessible mental health support.
What is Mental Health Coverage Like For Health Insurance Plans in Canada?
What Kind of Therapy Services From Mental Health Professionals Are Typically Covered?
Health insurance plans vary based on the employer and the benefits structure.
Some will only reimburse fees for clinical psychologists, while others recognize a clinical counsellor, social worker, or registered psychotherapist. The amount of mental health coverage you receive may come as a yearly maximum or as part of a shared pool of funds for other mental health services.
Before you start therapy, ask your therapist for their license number and confirm with the insurance company that this designation is eligible under your specific insurance plan. It’s a simple conversation that can prevent later confusion.
Reading Between the Lines: How to Understand Your Policy
Policies often contain certain restrictions. Some place session limits or narrow reimbursement based on provider type, while others might set coverage limits for each appointment. These details vary based on plan options and can be easy to overlook.
If your workplace benefits seem unclear, call your insurer or speak with your HR representative. Clarity early on helps patients use their benefits to cover therapy without unnecessary interruptions.
Paying Upfront: Managing Out-of-Pocket Costs and Claims
Most people in private practice settings pay out of pocket first and submit receipts later. A licensed therapist will provide documentation that includes their full designation, which the insurance company will need. Keep receipts organized and pay attention to submission deadlines.
For those without workplace insurance, private health insurance may still offer mental health insurance as an add-on. Therapy sessions may also qualify as medical expenses through provincial healthcare plans, which can help offset costs over time. This is particularly useful for individuals receiving ongoing mental healthcare.
Starting with Ottawa Therapy Group
Our practice offers therapeutic services for individuals, couples, and families. We support people dealing with anxiety, depression, and a wide range of mental health issues, and we do so with an emphasis on steadiness and practical care. You can meet with us in person or online for virtual mental health services, depending on what fits your life.
If you’re unsure about what your plan covers or you’re preparing for your first appointment, our team is here to help you review your benefits and understand what to expect.
When you’re ready to begin, feel free to contact us directly to start therapy.
