Psychological services are not covered by OHIP. Many insurance companies cover some of the costs of treatment provided by registered psychologists. It is a good idea to check with your employer, private insurer, or other institution (e.g., university), to determine if you have coverage. You may also be eligible to receive coverage through a family member’s extended health plan.
Questions to ask your insurer about coverage:
- How much coverage do I have in a given year? It is important to know the maximum amount you will be reimbursed.
- When does the year change? This is important, as not all plans start on January 1st.
- Can you choose your provider? Some plans require that you seek services through an employment assistant program. Many plans also require that treatment be provided by a licensed psychologist.
- Does your plan cover 100% of the bill? Plans may cover the total bill up to the yearly maximum; whereas other plans cover only a percentage of the bill.
- Does the coverage require that you have been referred by a physician? Although I do not require a referral, it is possible that your insurer may have this requirement.
- How long will it take for you to be reimbursed? This may be helpful for your budget.
The answers to these questions will help us in developing a treatment plan that works with your budget.
What if I do not have coverage?
If you do not have coverage, then services would need to be paid for by the individual seeking treatment at each session. While the Ontario Psychological Association (OPA) sets a recommended hourly rate for psychological services, my rates are lower, so that care is more accessible. Further fee reductions may also be negotiated based on your current situation.
Therapy is an investment in yourself, one that can be worthwhile in helping you explore issues and experience change. It may require examining your budget and determining if you are able to pay for treatment. When the cost of accessing services is an issue, I will try and work with your budget to space sessions out and suggest more self-guided exercises to do on your own.
However, I recognize that psychological services are an expense that may not be in every person’s budget. If you are unable to pay for services, I can often suggest services that may be available in the community (for free or at a lower cost), or recommend self-help resources.
What are the fees?
Please call me at (519)717-3124 to discuss my current rates.
How do I pay?
At this time, payments can be made by cash or cheque. Payment is made at each session, and a receipt will be provided at each appointment. You can then submit your receipt to your insurer for reimbursement, or keep it and submit when filing your income tax return.