Does OHIP Cover Chiropractic? What to Know About Insurance and Billing
The short answer: OHIP does not cover chiropractic. But here is what you need to know about what IS covered and how billing works.
OHIP Coverage — The Short Answer
No. Ontario Health Insurance Plan (OHIP) does not cover chiropractic care at Tip Top Health. Chiropractic services are not included under provincial health coverage. If you have extended health benefits through an employer, spouse, or school plan, your chiropractic visits may be partially or fully covered. Keep reading for what you need to know.
- Your extended health benefit card or member number
- Your group number, if applicable
- Any letter of authorization from your insurer, if required
- Your doctor’s referral, only if your plan requires one
Questions about billing? Call 647.799.5155 or email info@tiptophealth.ca.
Many extended health benefit plans include chiropractic coverage. The amount covered and whether direct billing is available depends entirely on your specific insurance plan. At Tip Top Health, direct billing to your extended health insurer is available so you pay only the portion not covered by your plan, if any. To use direct billing, provide your extended health member number and any group or plan numbers at or before your visit. Tip Top Health will confirm your coverage and submit the claim on your behalf. Not all insurers and plans support direct billing. In cases where direct billing is not available, you pay at your visit and submit your receipt to your insurer for reimbursement.
What Does My Insurance Typically Cover?
Coverage varies by plan, but extended health benefits for chiropractic care commonly include a set number of visits per year, a maximum dollar amount per year, or a percentage of the visit fee. Tip Top Health offers direct billing to most major insurers, including Sun Life, Manulife, Canada Life, and GreenShield. Before your first visit, it is a good idea to contact your insurer directly to confirm whether chiropractic care is included under your plan, the annual visit limit or dollar maximum, and whether direct billing is supported.
What to Expect at Your First Visit
Your first visit is a comprehensive assessment, 60 minutes with Dr. Natalie Lopez. She will review your health history, discuss your concerns, and build a plan around what will actually help. You are never under any obligation to begin treatment after your assessment. If you are ready to move forward, your first treatment happens the same day. See our First Visit page for the full breakdown.
Have More Questions About Billing or Coverage?
Book a free 15-minute consultation with Dr. Natalie to discuss your situation, or contact the clinic directly. No pressure, no obligation, just straight answers.
Frequently Asked Questions
Does Tip Top Health direct bill to my insurance?
Tip Top Health direct bills to most major extended health insurers, including Sun Life, Manulife, Canada Life, and GreenShield. Contact the clinic at 647.799.5155 before your visit to confirm whether your specific plan is supported.
What if my insurance only covers part of my visit?
You pay the portion not covered by your insurer at the time of your visit. If direct billing is not available for your plan, you pay the full amount and receive a receipt to submit to your insurer for reimbursement.
Do I need a doctor's referral to use my insurance for chiropractic?
Most extended health plans do not require a doctor’s referral for chiropractic care. However, some plans require a prescription or referral to reimburse you. Check your plan details or ask your insurer before your visit.