To help ease your mind, we offer a range of payment options guaranteed to fit your needs…

Extended Health Insurance. Most of our services are covered by extended health insurance plans. If you have extended health insurance, we can quickly and easily get you on the road to recovery. Ask your employer about your package and whether you’ll need a doctor’s referral to take advantage of it.

Motor Vehicle Insurance. If you’ve received injuries due to a motor vehicle accident, your treatment may be covered by your automobile insurance company. If that’s the case, we can charge your treatment to your motor vehicle insurance and give you the peace of mind that comes with knowing your rehab is covered.

Direct Billing to Insurance Companies. If our treatment options are covered by your insurance, we can bill your insurance company directly. This will ensure you get the treatment you need without having to worry about checks, debit cards, or anything else.

Self-Pay with Debit Card or e-Transfer: If your insurance plan does not cover our treatment options, you can self-pay with a debit card or e-transfer. It’s fast, it’s easy, and it will get you on the road to recovery today.

Who covers medical costs after a car accident in Ontario:

1. Ontario’s No-Fault Insurance System

• Medical costs are primarily covered through accident benefits from auto insurance policies, regardless of who is at fault.

• OHIP covers basic hospital/doctor visits, but auto insurance covers additional treatments (e.g., physiotherapy, chiropractic care).

• If you have extended health benefits (e.g., through work), you must use those first before auto insurance.

2. Scenarios and Coverage

Scenario 1: You’re a Driver (At Fault or Not) and Have Auto Insurance

• Your own insurance covers medical costs via accident benefits, even if the accident was your fault.

• Coverage includes treatments like physiotherapy, massage therapy, and prescriptions (up to policy limits).

• Example: If you’re at fault and break your arm, your insurer pays for rehab.

Scenario 2: You’re a Driver Without Auto Insurance

• If another insured driver caused the accident: Claim through their policy.

• If no other driver is involved (e.g., single-vehicle crash): You’re not eligible for accident benefits. OHIP covers basic care, but you pay for additional treatments out-of-pocket.

• If hit by an uninsured driver: Apply to Ontario’s Motor Vehicle Accident Claims Fund (MVACF) for limited coverage.

Scenario 3: You’re a Passenger in an Insured Vehicle

• Claim medical costs through the driver’s insurance policy, regardless of fault.

• If the driver is uninsured, use your own auto insurance (if you have a policy) or the MVACF.

Scenario 4: You’re a Passenger in an Uninsured Vehicle

• If another insured driver caused the accident: Claim through their policy.

• If the driver is uninsured and no other vehicle is involved: Use your own auto insurance (if you have a policy) or apply to the MVACF.

Scenario 5: You’re a Pedestrian Hit by an Insured Driver

• Claim medical costs through the driver’s insurance policy.

• Example: A driver runs a red light and hits you; their insurer covers your rehab.

Scenario 6: You’re a Pedestrian Hit by an Uninsured Driver

• Use your own auto insurance (if you have a policy) or apply to the MVACF.

• Example: A driver with no insurance hits you; the MVACF covers up to $200,000 in medical costs.

3. Key Exceptions

• Uninsured Motorist Coverage: Mandatory in Ontario. If the at-fault driver has no insurance, your own policy covers medical costs (even if you’re a pedestrian/passenger).

• MVACF: A government fund for accidents involving uninsured drivers or hit-and-runs. Covers up to $200,000 for medical/rehab costs if no insurance is available.

• Severe Injuries: Catastrophic injuries (e.g., paralysis) qualify for up to $1 million in medical/rehab benefits under most policies.