Insurance questions can make booking a wellness appointment feel more complicated than it needs to be. New patients often want to know whether their service may be covered, whether the clinic can submit the claim directly, what information they need to bring, and whether any balance will remain at checkout.
At Innova Integrated Wellness Centre, direct billing is available to more than 25 insurance providers for eligible services. However, direct billing and insurance coverage are not the same thing. Your insurance provider and individual benefit plan determine whether a service qualifies, how much may be paid, and whether a referral, annual maximum, deductible, co-payment, or practitioner requirement applies.
This guide explains how direct billing works, which Innova services may qualify, what information to prepare before your appointment, and what happens when direct billing is unavailable or a claim is not approved.
Quick Answer: How Does Direct Billing Work at Innova?
Direct billing allows Innova to submit eligible wellness-service claims electronically to your insurance provider after an appointment. If your insurer approves the claim and supports payment to the clinic, you may pay only the remaining balance. Coverage, referral requirements, annual limits, practitioner eligibility, and final approval depend on your individual benefit plan.
What Is Direct Billing?
Direct billing means the clinic submits an eligible extended health claim electronically on your behalf.
The TELUS Health eClaims system connects participating healthcare providers with insurers and allows eligible claims or benefit estimates to be submitted electronically. Depending on the insurer, the system may provide an immediate response or indicate that the claim requires additional review.
A typical direct-billing process may look like this:
- You attend your appointment.
- Innova confirms your insurance information.
- The clinic submits the eligible claim electronically.
- Your insurer reviews or adjudicates the claim.
- The clinic receives an approval, partial approval, pending response, or decline.
- You pay any deductible, co-payment, uncovered fee, or remaining balance.
When direct billing cannot be completed, you may need to pay the appointment fee and submit the detailed receipt to your insurer for possible reimbursement.
Direct Billing Does Not Guarantee Coverage
Direct billing is a claim-submission method. It does not create coverage or guarantee that an insurer will approve or fully pay the claim.
Approval may depend on:
- The services included in your benefit plan
- The practitioner credentials accepted by your insurer
- Annual and per-visit maximums
- Deductibles or co-insurance
- Referral or prescription requirements
- The amount of coverage already used
- Dependant eligibility
- Policy status
- Insurer adjudication rules
- Whether the insurer pays the clinic or reimburses the member
Canada Life’s provider eClaims information similarly notes that claim payment remains subject to the member’s plan, coverage, and eligibility requirements.
Your insurance provider is therefore the final source for your exact coverage.
Does Innova Offer Direct Billing?
Yes. Innova currently offers direct billing to more than 25 participating insurance providers for eligible services.
Examples currently displayed in Innova’s accepted-provider list include:
- BPA
- Canada Life
- Canadian Construction Workers Union Benefit Trust Fund
- Chambers of Commerce Group Insurance Plan
- CINUP
- ClaimSecure
- Cowan
- D.A. Townley
- Desjardins Insurance
- Equitable
- First Canadian Financial Group
- GMS
- GroupHEALTH
- iA Financial Group
- Johnson Insurance
- Johnston Group
- LiUNA Local 183
- LiUNA Local 506
- Manulife
- Maximum Benefit
This list may change as insurer participation and electronic connectivity are updated. Being displayed as an accepted provider also does not mean that every service is covered under every policy.
Before your appointment, you can:
- Review the current provider display on the Innova website
- Visit the Innova FAQs
- Call the administrative team at (905) 814-9355
- Contact your insurer for exact benefit details
Innova can help determine whether electronic submission is currently available. Your insurer still decides whether the claim qualifies and how much it will pay.
Which Innova Services May Be Eligible?
Coverage depends on your plan, the service provided, and the practitioner’s designation.
Chiropractic Care
Chiropractic care in Mississauga may be included under chiropractic or paramedical benefits when delivered by an eligible chiropractor.
Your plan may include:
- An annual chiropractic allowance
- Percentage-based reimbursement
- A per-visit maximum
- A shared paramedical limit
- A physician-referral requirement
Confirm these details directly with your insurer.
Physiotherapy
Physiotherapy in Mississauga may be included under physiotherapy benefits when delivered by an eligible registered physiotherapist.
Although Innova generally allows patients to book directly, some benefit plans may require a physician referral for reimbursement.
Pelvic Floor Physiotherapy
Pelvic floor physiotherapy in Mississauga is generally submitted under physiotherapy benefits because it is a specialized area of physiotherapy.
Your insurer may still apply specific annual limits, referral rules, or practitioner requirements.
Registered Massage Therapy
Registered massage therapy in Mississauga may qualify when treatment is delivered by an eligible Registered Massage Therapist.
Massage delivered by a provider who does not meet the insurer’s professional requirements may not qualify for reimbursement.
Acupuncture
Acupuncture in Mississauga may be included under acupuncture, Traditional Chinese Medicine, or paramedical benefits.
Plans can differ in which practitioner credentials they recognize. Ask whether your policy covers treatment from a Registered Acupuncturist and whether a referral is required.
Osteopathy
Osteopathy in Mississauga may be included under some extended health plans, but eligibility requirements vary.
Ask your insurer:
- Whether osteopathic manual therapy is covered
- Which professional designation or association qualifies
- Whether electronic claim submission is supported
- Whether an annual or per-visit maximum applies
Psychotherapy and Naturopathy
Coverage for psychotherapy and naturopathy in Mississauga depends on the benefit categories included in your plan and the credentials of the practitioner delivering the service.
Your policy may provide separate allowances for:
- Registered psychotherapy
- Psychology
- Social work
- Mental health counselling
- Naturopathic medicine
These categories are not interchangeable. Confirm the exact eligible professional designation with your insurer.
Chiropody
Chiropody in Mississauga may be covered under some extended health plans. However, Innova does not currently offer direct billing for chiropody.
Patients pay for the appointment and receive a detailed receipt for submission to their insurer.
Custom orthotics may fall under a separate benefit category with additional prescription, assessment, casting, or documentation requirements.
Nutrition Counselling
Coverage for nutrition counselling in Mississauga varies by plan and practitioner designation.
Some policies may cover services from a Registered Dietitian but not other nutrition professionals. Others may offer broader wellness allowances or health spending accounts. Confirm which credentials your plan accepts before booking.
Hypnotherapy
Coverage for hypnotherapy in Mississauga varies by insurance plan and practitioner eligibility.
Innova cannot guarantee that hypnotherapy will qualify under counselling, psychotherapy, or another benefit category. Contact your insurer with the practitioner’s exact credentials before booking.
Cosmetic Acupuncture
Coverage for cosmetic acupuncture in Mississauga is not guaranteed.
Insurance plans may distinguish between general acupuncture and services provided primarily for cosmetic or facial-wellness goals. Confirm eligibility directly with your insurer before booking.
Slim Wave Body Contouring
Insurance coverage for Slim Wave body contouring in Mississauga is not confirmed.
Before booking, contact Innova for current fees and ask your insurer whether your policy offers any applicable wellness or health-spending-account coverage.
What Insurance Information Should You Bring?
Bring the following information to your first appointment:
- Insurance provider name
- Policy, group, or plan number
- Certificate or member identification number
- Physical or digital insurance card
- Plan holder’s full name
- Plan holder’s date of birth if you are a dependant
- Your relationship to the plan holder
- Any referral or prescription required by the policy
- Secondary insurance information where applicable
Check the details carefully before your appointment. An incorrect member number, outdated certificate, or missing plan-holder detail may delay electronic submission.
Can Innova Confirm My Exact Coverage?
Innova’s administrative team can help determine:
- Whether the clinic can submit electronically to your insurer
- Which insurance details you need to provide
- Whether the selected service is commonly submitted through direct billing
- What receipt information will be supplied
- What to do if electronic billing is unavailable
Only your insurance provider can definitively confirm:
- Whether your selected service is covered
- Your remaining benefit balance
- Your annual or per-visit maximum
- Whether a physician referral is required
- Whether the practitioner’s credentials qualify
- Whether a claim will be approved
- How coordination of benefits applies
Use your insurer’s app, online portal, benefit booklet, or member-services phone line for the most accurate information.
Questions to Ask Your Insurance Provider
Before your first appointment, ask:
- Is the service I am booking included in my plan?
- Does the practitioner need a specific registration or designation?
- What is my annual maximum for this service?
- Is there a maximum reimbursement per appointment?
- How much coverage have I already used?
- Is a physician referral or prescription required?
- Do I need pre-authorization?
- Can the clinic submit the claim electronically?
- Does the insurer pay the clinic or reimburse me?
- Can I coordinate this claim with a second benefit plan?
The Financial Services Regulatory Authority of Ontario explains that supplementary health insurance may help pay for specified services outside those covered through OHIP. The services and amounts available depend on the policy purchased by the employer or individual. Learn more through FSRA’s guide to health insurance policy types.
What Happens at Checkout?
When direct billing is available, checkout may involve:
- Confirming your plan information
- Electronically submitting the claim
- Receiving an insurer response
- Explaining the approved or unpaid amount
- Collecting any remaining balance
- Providing supporting documentation or receipts where needed
Possible outcomes include:
- The full eligible fee is approved
- Part of the fee is approved
- A deductible or co-payment remains
- The claim requires additional insurer review
- The practitioner or service is not eligible
- Your annual maximum has been reached
- A referral or additional document is required
- The insurer reimburses you instead of paying the clinic
- The electronic submission is declined
A declined electronic claim does not always mean the service cannot be reimbursed. Contact your insurer to determine whether information is missing or whether manual submission is possible.
What Happens If Direct Billing Is Unavailable?
When direct billing cannot be completed:
- You pay the appointment fee.
- Innova gives you a detailed receipt.
- You submit the receipt through your insurer’s app, portal, or required form.
- Your insurer reviews the claim.
- Any approved reimbursement is paid according to your policy.
Keep your receipt, referral, prescription, and supporting documents until the claim is fully processed.
Can You Use Two Insurance Plans?
Some patients have coverage through their own plan and additional coverage through a spouse or parent. This is called coordination of benefits.
The primary insurance plan is generally submitted first. An eligible remaining amount may then be submitted to the secondary plan according to each insurer’s rules.
Canada Life’s coordination-of-benefits guide explains that combined reimbursement from multiple plans cannot exceed the original eligible expense.
Before your appointment, ask:
- Which plan is primary?
- Can the remaining balance be submitted to the second plan?
- Can Innova submit both claims?
- Must you submit the secondary claim yourself?
- Which explanation-of-benefits document is needed?
Bring both insurance cards and both sets of policy information. Do not assume two plans will automatically cover the entire appointment cost.
Understanding Annual Limits and Benefit Resets
Extended health plans may use:
- Separate annual limits for each service
- One shared paramedical-services maximum
- Per-visit reimbursement limits
- Percentage-based reimbursement
- Deductibles
- Health spending accounts
- Calendar-year resets
- Employer-specific benefit years
Unused benefits may not carry forward, depending on the policy.
Review your benefits during the year so you understand your remaining coverage. Appointments should still be based on your needs and practitioner recommendations, not booked solely to use an insurance balance before it expires.
Why Insurance Claims May Be Declined
A claim may be declined or only partially paid because:
- The annual maximum has been reached
- The service is excluded
- The practitioner’s designation is not eligible
- A referral or prescription is missing
- The insurance information is incorrect
- The policy is inactive
- The dependant is not registered correctly
- The plan only reimburses a percentage
- A per-visit maximum applies
- The insurer needs additional documentation
- The insurer does not pay the clinic directly
If this happens, pay any outstanding amount and contact your insurer for the exact reason. Innova can provide a detailed receipt and available practitioner information for your follow-up.
How Innova Helps With Insurance Questions
The administrative team at Innova can help make the process clearer by:
- Confirming whether electronic claim submission is currently available
- Reviewing which insurance details you need
- Submitting eligible claims where supported
- Explaining the response received at checkout
- Providing detailed receipts
- Helping you identify questions to ask your insurer
- Explaining current clinic fees before treatment
The clinic cannot change your policy, guarantee reimbursement, or override an insurer’s decision.
Patients comparing care options may also find Innova’s guide to choosing the right wellness clinic in Mississauga helpful.
For general questions about referrals, booking, services, and coverage, visit the Innova FAQs or contact the administrative team.
Final Thoughts
Direct billing can make extended health claims easier by allowing Innova to submit eligible claims at the point of service. It may reduce upfront payment and manual paperwork, but it does not guarantee that an appointment will be fully covered.
Your insurer remains the final authority on eligible services, annual limits, referral requirements, practitioner qualifications, and claim decisions.
At Innova Integrated Wellness Centre, direct billing is available to more than 25 participating insurance providers for eligible services. Detailed receipts are also available when patients need to submit their own reimbursement claims.
To confirm whether direct billing may be available for your insurer and selected service, contact Innova before your appointment.
Book an appointment online or call (905) 814-9355.
Innova Integrated Wellness Centre
49 Queen Street South, Unit 8
Streetsville, Mississauga, Ontario L5M 1K5
Frequently Asked Questions About Direct Billing in Mississauga
Direct billing allows a clinic to submit an eligible extended health claim electronically to your insurance provider after an appointment. Depending on the insurer and payment arrangement, you may pay only the portion that is not covered. Direct billing simplifies claim submission, but your insurer still determines eligibility and the amount payable.
No. Your plan may include a deductible, percentage reimbursement, annual maximum, per-visit cap, referral requirement, or practitioner restriction. You are responsible for any amount your insurer does not pay. Check your member portal or contact your insurer before booking for exact coverage information.
Innova offers direct billing for eligible services and participating insurance providers. Availability depends on the service, practitioner designation, insurer, and individual plan. Chiropody is not currently direct billed at Innova, although detailed receipts are provided. Coverage for nutrition, hypnotherapy, cosmetic acupuncture, and Slim Wave should be confirmed before booking.
Bring your insurer’s name, policy or group number, certificate or member ID, insurance card, and the plan holder’s name and date of birth if you are covered as a dependant. Bring any referral or prescription required by your policy. If you have secondary coverage, bring both sets of insurance details.
Innova can help determine whether electronic submission is available and what information you need. Only your insurance provider can definitively confirm your coverage, remaining balance, referral requirements, eligible practitioner designations, and final claim decision. Check your insurer’s app, portal, benefit booklet, or member-services line.
If the claim is declined, pending, or not payable directly to Innova, you may need to pay the appointment fee. Innova will provide a detailed receipt for possible manual submission. Contact your insurer to determine whether the issue involves exhausted benefits, incorrect information, missing documentation, or an ineligible service.
Innova generally allows patients to book services directly, but some insurance plans require a physician referral or prescription for reimbursement. Requirements can differ by service and policy. Ask your insurer whether a referral is required, particularly for physiotherapy, custom orthotics, or other services with plan-specific documentation requirements.
