EHC, MVA, and WSIB coverage are the three main ways physiotherapy at our Brampton clinic gets paid for outside of your own pocket. Extended health benefits come through work, motor vehicle accident claims run through Ontario auto insurance, and workplace injury claims go through the Workplace Safety and Insurance Board. We handle the paperwork for all three so navigating insurance doesn't get in the way of your recovery. Each stream works a little differently, so here's what to expect from each one.
How does extended health care (EHC) direct billing work?
If you have extended health benefits through an employer or private plan, we can often bill your insurer directly for physiotherapy, so you pay only the portion your plan doesn't cover, rather than paying in full and waiting to be reimbursed. To set this up, we typically need your policy details: your insurer's name, your policy and member ID numbers, and any information about your annual coverage limit or physiotherapy-specific allowance. We'll verify what we can before your first treatment so there are no surprises.
One detail worth knowing: some EHC plans require a physician's referral before they'll reimburse physiotherapy claims, even though you don't need one to be treated here. If your plan has that requirement, it's worth checking with your insurer or your benefits booklet ahead of time, since a missing referral can occasionally hold up reimbursement even when treatment itself proceeds without one. If you're not sure whether your plan requires this, bring your policy information to your first visit and we can help you figure out what's needed.
How do motor vehicle accident (MVA) claims work?
If you've been injured in a car accident in Ontario, your own auto insurance policy, through Ontario's statutory accident benefits, generally provides coverage for physiotherapy and related rehabilitation as part of your recovery. After an accident, you'll typically open a claim with your auto insurer, who assigns an adjuster to your file. From there, we coordinate directly with your insurer and adjuster: submitting treatment plans, providing progress reports, and working within the framework your policy and claim require. You don't need to manage that correspondence yourself. Once your claim is set up, our team handles the ongoing communication so you can focus on your recovery rather than paperwork.
Every MVA claim is different, and what's approved, for how long, and under what plan depends on the specifics of your accident, your policy, and your insurer's assessment of your claim. We can't tell you in advance exactly what will be approved, but we will keep you informed as your claim progresses and let you know if anything changes.
How does WSIB coverage work for a workplace injury?
WSIB (the Workplace Safety and Insurance Board) is Ontario's workers' compensation system, and if you're injured at work and your employer is covered by WSIB, you may be entitled to physiotherapy as part of your benefits. The process starts with reporting: you report your injury to your employer as soon as possible, and your employer is required to file a Form 7 with WSIB. You should also file your own claim directly with WSIB using Form 6, available on the WSIB website. Getting both of these filed promptly helps keep your claim moving.
Once your claim is active, you can be treated at a physiotherapy clinic registered with WSIB. Active Path Physiotherapy is a WSIB-registered clinic, and we treat workplace injury patients and bill WSIB directly on your behalf, so you're not paying out of pocket for covered treatment. As with EHC and MVA claims, the exact number of sessions and scope of treatment covered depends on the nature of your injury and the stage of your claim, and we communicate directly with your case manager as needed throughout your recovery. For a deeper walkthrough of the WSIB process, see our dedicated WSIB physiotherapy page.
What should you bring to your first visit?
Whichever type of claim applies to you, coming prepared helps things move faster. For an EHC claim, bring your insurer's name and your policy and member ID numbers. For an MVA claim, bring your claim number and your adjuster's contact information if you have it. For a WSIB claim, bring your claim number and any correspondence you've received from WSIB or your employer. If you're missing any of this at your first visit, don't let that stop you from booking — we can often get started and follow up on the details afterward. No physician referral is required to book an appointment with us for any of these claim types, and we offer evening and Saturday appointments at our clinic on McVean Drive in Brampton East, near Castlemore, for patients across Brampton, McVean, and Castlemore juggling recovery around work and family.
This kind of claims-based physiotherapy pairs with the rest of what we offer, including general physiotherapy for soft tissue injuries, post-surgical rehab if your claim involves an operation, and custom braces when a claim-related injury calls for joint support during recovery.
Before you book
Frequently asked questions
Do I need a doctor's referral to be treated here?
No. You don't need a referral to book an assessment with us, regardless of whether your treatment is being paid for through EHC, an MVA claim, or WSIB. That said, some EHC plans require a referral for reimbursement purposes, so it's worth checking your specific policy.
How much of my treatment will be covered?
This depends entirely on your specific policy or claim: your EHC plan's annual limit, the specifics of your MVA claim and insurer, or the stage and nature of your WSIB claim. We can't quote coverage amounts or session limits in advance, since these are set by your insurer or WSIB, not by our clinic, but we'll help you understand what applies as your treatment progresses.
How long does approval take?
Approval timelines vary by claim type and by insurer or WSIB's own processing times, and we don't have control over how quickly a given claim moves. What we can do is get your paperwork submitted promptly and follow up on your behalf so nothing stalls unnecessarily on our end.
What if my claim is denied or my coverage runs out?
If a claim is denied or your covered sessions run out, we'll let you know as early as possible so you're not caught off guard, and we can talk through your options, including paying privately or exploring whether an appeal or additional documentation might help your case.
Can I have more than one type of claim at once?
In some situations, yes: an EHC plan alongside a WSIB or MVA claim for the same injury, for example, depending on how your specific policies coordinate benefits. Bring details of all applicable coverage to your first visit and we'll help sort out how they apply.
Do you handle all the paperwork, or do I need to submit forms myself?
We handle the physiotherapy-side paperwork: treatment plans, progress reports, and direct billing submissions. You're still responsible for your own claim intake steps, like reporting a workplace injury to your employer or opening a claim with your auto insurer, but once that's underway, we take care of the ongoing communication with your insurer, adjuster, or WSIB case manager.
Conditions treated
- Soft tissue injuries
- Fractures
- Concussions
- Post-surgical recovery
- Workplace injuries
- Motor vehicle accident injuries
Our approach
- Direct billing
- Treatment planning
- Progress reporting
- Case manager liaison
- Full functional assessment
What to expect
- Less admin stress
- Straightforward claims process
- Full injury rehabilitation
- Complete recovery