Direct Billing for Counselling & Therapy in BC

Kayda Health can direct bill a number of extended health insurance plans for counselling with eligible clinicians. Direct billing means we submit the claim to your insurer after your session. Your insurance company decides whether the claim is covered and how much they will pay.

Direct billing does not guarantee coverage or full reimbursement.

Please review the list of insurers we are currently able to direct bill. Direct billing is also dependent on the clinician and your specific benefits plan.

Direct Billing by Insurance Company

We may be able to direct bill the following insurers, depending on the clinician and the specific benefits plan. If your benefits cover counselling with an RCC but we cannot direct bill your insurer, you can still pay for the session and submit your receipt to your insurance company for reimbursement.

Insurer Name	Direct Billing Supported (✓)	Direct Billing Not Supported (X)
Alberta Blue Cross	✓
BPA - Benefit Plan Administrators	✓
Beneva Inc	✓
CINUP	✓
CVAP		X
Canada Life	✓
Chambers of Commerce Group Insurance	✓
ClaimSecure	✓
Cowan	✓
Desjardins		X
First Canadian	✓
GMS Carrier 49	✓
GMS Carrier 50	✓
GroupHEALTH		X
GroupSource		X
ICBC		X
Industrial Alliance	✓
Johnston Group Inc.	✓
MDM Insurance Services Inc.		X
Manion		X
Manulife Financial	✓
Maximum Benefit	✓
Pacific Blue Cross	✓
People Corporation	✓
RWAM Insurance Administrators		X
SAJE	✓
Simply Benefits	✓
Sun Life	✓
TELUS AdjudiCare	✓
UV Insurance	✓
Union Benefits	✓

Special Insurance Contracts

In some disability claim or case-management situations, such as when Return-To-Work Psychotherapy is required, an insurer may arrange a separate service contract with Kayda Health. If your insurer wants to explore this option, they can contact us at connect@kaydahealth.ca.

Frequently Asked Questions

How Does Direct Billing Work?

You check that your plan covers: Counselling with a Registered Clinical Counsellor (RCC), your annual and per-session counselling maximum, whether your plan covers the type of therapy you are booking (ie. individual, family, group, couples, etc.).
Provide your insurance information before your appointment in the intake paperwork.
Fill out an additional Direct Billing Consent form (email connect@kaydahealth.ca to ask for this form).
Attend your counselling session.
Where direct billing is available, Kayda Health submits the claim to your insurer.
You pay any amount your insurer does not cover.
You receive a receipt for your records.

What information do I need to provide for direct billing?

You'll need your insurance company name, policy or group number, and member or certificate ID. If you're covered under someone else's plan (like a spouse or parent), you'll also need the plan member's name and date of birth. [Add anything Jane asks for.]

Why Might I Still Have a Balance to Pay?

Even when we can submit a claim directly, your insurer may not pay the full session fee. Common reasons include:

your annual benefits have been used up
your plan only covers part of the session fee
a deductible applies
the service is not included under your plan
your insurer declines the claim
the clinician’s designation is not covered.

Any amount not paid by insurance remains the client’s responsibility.

Can Kayda Health Check My Coverage for Me?

No. Kayda Health does not have access to the details of your individual benefits plan, including your annual maximum, remaining balance, deductibles, co-pays, or which types of counselling are covered. Your insurer or benefits administrator can confirm those details for you.

What If My Plan Does Not Cover RCCs?

Some benefits plans cover psychologists or social workers but do not yet include Registered Clinical Counsellors. If your plan does not cover RCCs, you may be able to ask your employer or benefits administrator to add the RCC designation to the plan - the template is available here.

Can I still use insurance if Kayda Health cannot direct bill my plan?

Possibly. If your plan covers your clinician’s designation, you can usually pay for the session and submit your receipt to your insurer for reimbursement.

Can I use direct billing for couples counselling?

Sometimes. Some benefits plans cover couples or family counselling and others only cover individual therapy. Check your specific plan before booking.

Can I use direct billing for virtual counselling?

Many plans cover virtual counselling with RCCs, but this depends on your specific benefits plan.

Why does direct billing depend on the clinician?

Insurers register each clinician individually. That means direct billing may be available with one of our clinicians who has completed the registration process, but not another.

What if my insurer isn't on the list?

You can still use your benefits. You will simply pay up front for your session, and we'll email you a receipt to submit to your insurer for reimbursement. You're also welcome to email us to double check, as we add new insurers when possible.

Can I use direct billing with my Health Spending Account (HSA)?

Many Health Spending Accounts can reimburse counselling costs, including any balance your extended health plan doesn't cover. If your HSA is with the same insurer as your extended health plan, any balance left after your extended health claim may be paid from your HSA automatically, depending on how your plan is set up. Otherwise, you can submit your receipt to your HSA provider for reimbursement. Check with your plan administrator to see how your HSA works.

Can I use two benefit plans (for example, mine and my spouse's)?

Many clients with two plans can claim the remaining balance from the second plan after the first has paid. We direct bill the primary plan, and you can submit your receipt to the secondary plan yourself.

Can I direct bill for my child's counselling?

Often, yes, if your child is listed as a dependent on your plan and the plan covers counselling with an RCC. You'll need the plan member's information when booking.

Do I need a doctor's referral or diagnosis to use my benefits?

Most plans don't require a referral for counselling with an RCC, but it is possible some may. Check with your insurer before your first session so your claim isn't declined.

Is there an extra charge for direct billing?

No. Direct billing is offered at no extra cost.

What happens if my insurer declines a claim after my session?

Any unpaid amount will be charged to the card on file, and we'll let you know why the claim was declined if the insurer provides a reason.

Ready to book?

If you already know your plan covers RCC counselling, you can book directly with one of our clinicians. If you are not sure who would be a good fit, use our Therapist Matching Form.

Book a Session with an RCC
Match With a Therapist

See current counselling fees and insurance information