As the year comes to a close, it’s a great reminder to make the most of your health insurance benefits. Most insurance plans reset at year-end, which means unused coverage may not carry over. This short and simple guide explains:
- How health insurance supports physiotherapy, neurophysiotherapy and scoliosis care
- What to expect at the year-end
- Practical next steps you can take with your clinic.
Simple definitions. What the treatments are
Get to know the terms, so you can match services to your coverage.
- Scoliosis management: they’re conservative, non-surgical care for the spinal curve.
- Neurophysiotherapy: specialized physiotherapy for neurological motor challenges, often using movement re-education and techniques such as the Bobath method.
- General physiotherapy: these are assessments, manual therapy and exercise prescriptions provided to improve pain, mobility and daily function.
How our services usually fit into extended health insurance plans
Health insurance commonly lists rehabilitation services under “physiotherapy/rehabilitation.” Listed below are a few notes to help you understand how coverage often maps to the following services:
- Many health insurance plans cover clinical assessments and individual physiotherapy sessions delivered by licensed physiotherapists.
- Private health insurance policies differ on specific limits: annual maximums, per-visit caps and whether group classes (e.g., children’s scoliosis classes) are eligible.
- Public health insurance may fund specific, medically necessary services depending on provincial rules and rarer exceptions (check your local programs for eligibility).
General recommendation: review your member portal or policy terms for your plan’s specific rules and contact our front desk to discuss whether direct billing is available for your insurer.
Services we offer. What patients commonly use benefits for
Health insurance may help pay for these clinically focused services. The table below summarizes typical coverage themes so you can quickly understand what may be commonly eligible under most plans.
| Service | What it is (brief) | How insurance commonly treats it |
|---|---|---|
| Schroth Method & Scoliosis Management | Curve-specific exercise, posture, breathing, brace coaching | Often eligible when provided by licensed physio. Check for limits on sessions |
| Scoliosis Group Treatments (kids) | Small group classes teaching exercise & home practice | Coverage varies. Some plans allow group programs, others only cover individual sessions |
| Bobath Method or Neurophysiotherapy | Neuro-developmental rehab for motor control | Frequently covered when provided by credentialed physios as neurophysio or physio |
| General Physiotherapy | Assessment, manual therapy, home exercise programs | Commonly covered for assessments and follow-ups (subject to plan limitations) |
Important note: documentation, treatment plans and clinical goals, help insurers understand the medical need and often support successful claims.Small group classes teaching exercise & home practice
The 2025 holiday season → Your year-end considerations
- Confirm your approximate remaining coverage (spend amount or number of visits) so you know if clinically recommended assessments or follow-ups are covered.
- Think about clinical priorities rather than counting your visits. An assessment may provide you with the best next steps for care.
- Expect your insurer to ask for itemized receipts, physio licence details and short clinical descriptions for some claims. Many clinics can provide direct billing or provide the paperwork needed.
- If you have ongoing care needs, consider planning with your clinician on how best to pace treatment across benefit years for continuity of care.
- Confirm your approximate remaining coverage (spend amount or number of visits) so you know if clinically recommended assessments or follow-ups are covered.
Common insurance terms explained
Health insurance terms:
- Annual maximum: total plan payout in a benefit year.
- Per-visit limit: reimbursement cap per appointment.
- Direct billing: clinic bills insurer directly (if allowed).
- Pre-authorization: insurer approval sometimes needed before extended care.
- Referral requirement: whether a physician or specialist referral is needed.
- Annual maximum: total plan payout in a benefit year.
List of Insurers we commonly work with:
Contact us to confirm details for your plan.
When you might involve your insurer
Health insurance checks are commonly done at these moments (general guidance):
- Before starting a course of sessions (to estimate remaining benefits).
- Before enrolling in a group class for a child (check group eligibility).
- If you anticipate a long course of specialised care (e.g., Bobath/neurophysio).
- Before starting a course of sessions (to estimate remaining benefits).
Clinic support: our front desk can explain typical billing options, what we can provide on receipts and how we commonly present clinical information to insurers.
What to do if a claim is questioned
Health insurance claim questions are often resolved with clear clinical documentation:
- Most denials can be clarified by submitting treatment summaries, assessment notes and itemized receipts.
- Our physio team can prepare supporting documentation when requested to help insurers reassess decisions.
- Most denials can be clarified by submitting treatment summaries, assessment notes and itemized receipts.
Please, note that this is general information. Follow insurer instructions for formal appeals.
Next steps
Want to maximize your health insurance? We’re here to help.
Book an assessment or contact us to discuss how Schroth, Bobath, neurophysiotherapy or general physiotherapy may fit your care plan and coverage