Use the information below to check whether your insurer can:
- offer coverage to either psychological or counselling services
- whether your insurance offers direct billing for psychological or counselling services.
Note, coverage and direct billing services may vary depending on your plan. Please contact us or complete our intake form when booking an appointment to find out your exact situation.
What is Direct Billing and How Does It Work?
Direct billing means HeartConnect submits your therapy invoice directly to your insurance provider on your behalf. Instead of paying the full session cost upfront and claiming reimbursement later, your insurer pays us directly for covered services—you pay only your portion (copay or deductible) at the time of your appointment. This reduces your out-of-pocket costs immediately and eliminates the hassle of waiting for reimbursement cheques.
Which Insurers Does HeartConnect Direct-Bill?
We offer direct billing to many major insurance providers in Alberta and across Canada, including: Adjudicare, Alberta Blue Cross, Beneva, BPA, CINUP, Coughlin, Cowan, ESC, Equitable, First Canadian, Industrial Alliance, Johnston Group, Manulife, Maximum Benefit, The People Corporation, and RWAM.
Note: Some insurers (such as SunLife) require you to pay upfront and submit claims yourself for reimbursement. We’ll provide all the documentation you need to claim with your insurer directly.
Coverage Varies by Profession and Plan
Insurance coverage for therapy depends on your specific plan and the type of therapist you see. Many plans cover services provided by Registered Psychologists, but some may offer different coverage limits for Social Workers or Clinical Counsellors. Coverage also varies by employer plan, individual plan, and policy year. The best way to know your exact coverage is to review your benefits booklet, contact your HR department, or log into your insurer’s online portal to check your plan details.
How to Verify Your Insurance Coverage
Before booking your first appointment, we recommend confirming what your plan covers:
- Check your benefits booklet — Look for sections on “mental health,” “psychological services,” or “counselling.” Note your annual limit, copay amount, and any restrictions.
- Contact your HR or benefits administrator — If you get insurance through your employer, they can clarify your coverage and confirm which therapist credentials are covered.
- Log into your insurer’s online portal — Most major insurers allow you to check your coverage online 24/7.
- Call your insurer directly — Ask specifically whether they cover psychology, social work, or counselling services, and whether they work with HeartConnect Psychology.
The Process: From Booking to Billing
Step 1: Free 15-Minute Consultation
Call us at 587-885-8131 or book online at heartconnectpsychology.janeapp.com to schedule your free phone consultation. During this call, we’ll discuss your needs, answer questions about coverage, and help match you with the right therapist.
Step 2: Complete Your Intake Form
When you book your first appointment, you’ll complete an intake form with contact and insurance information. This allows us to verify your coverage and set up direct billing before your session.
Step 3: Bring Your Policy Details
On your first appointment, bring your insurance card and any benefits information. This ensures we have the correct details for billing and can answer any questions about your coverage.
Step 4: Pay Your Portion at the Session
At the end of your first appointment, you’ll pay only your portion (deductible, copay, or uncovered amount if applicable). We’ll submit the invoice to your insurer for direct billing of the covered amount.
Frequently Asked Questions About Our Services
Does HeartConnect offer direct billing?
Yes, we offer direct billing to many major insurance providers. We work with Adjudicare, Alberta Blue Cross, Beneva, Manulife, and many others. If your insurer isn’t listed, we can still provide you with documentation to claim reimbursement directly. Contact us or mention your insurer during your free consultation.
Which therapist credentials does insurance cover?
Coverage depends on your specific plan. Many plans cover Registered Psychologists, but some also cover Social Workers and Clinical Counsellors. Your benefits booklet will specify which credentials are covered. If you’re unsure, our team can help clarify during your consultation.
What if my insurance plan doesn’t offer direct billing?
If your insurer doesn’t offer direct billing, you can still see one of our therapists. You’ll pay the full session fee upfront, and we’ll provide an invoice with all the information you need to claim reimbursement directly with your insurance company.
Will I pay the full cost upfront if my plan has limited coverage?
If your plan has limitations (annual limits, copays, or uncovered amounts), you’ll pay the uncovered portion at your appointment. We’ll bill the covered amount directly to your insurer. If cost is a concern, ask about our sliding scale options during your free consultation.