Insurance & Direct Billing Information

At Dalhousie Family Chiropractic & Massage, we understand that navigating insurance coverage can feel overwhelming, and we’re here to make the process as smooth as possible for you and your family. We offer direct billing for both chiropractic and massage therapy services with many insurance providers. Coverage depends on your individual plan, so we recommend confirming your benefits with your insurer before your visit.

Making Your Care Accessible and Affordable

We want chiropractic and massage therapy care to be accessible to everyone in our community. We can’t direct bill every insurance company or plan, but we’ll do our best to accommodate you. Our team can help you understand how billing works at our clinic. Questions about what your plan covers should go to your insurer.

Understanding Your Coverage Options

Insurance plans can vary significantly, but here are the most common coverage types we see:

Full Coverage of Treatment : Your insurance covers the entire cost —no out-of-pocket expenses for you.
Full Coverage Minus Deductible : Insurance covers your treatment cost after your annual deductible has been met.
Coverage Per Session : Your plan covers a specific dollar amount per visit, regardless of treatment length or total cost.
Percentage Coverage : Insurance covers a predetermined percentage of your treatment cost, with you responsible for the remainder.

Referral Requirements Made Simple

In Alberta, you don’t need a referral to see a chiropractor or massage therapist. However, some insurance plans require a referral from a physician or nurse practitioner before they will cover treatment. Referral requirements, what you pay at the visit and how reimbursement works all vary by insurer and plan. Please check with your insurance company before your first visit so you know what your plan requires.

When Coverage Isn’t Complete

If your insurance doesn’t cover the full cost of your session, you’re responsible for the remaining balance. If you have coverage under more than one plan, we may be able to bill the secondary plan, depending on the insurers involved and their coordination-of-benefits rules.

Your First Visit: What to Expect

For your initial appointment, please complete the insurance information section on our intake form. Feel free to bring your benefit details with you—our team is here to help you understand your coverage.

After your first visit, we’ll add detailed notes to your file regarding your insurance provider and typical coverage amounts, making future appointments even more convenient for you.

Important Reminders:

• Please inform us of any insurance changes due to employment or relationship changes
• Insurance companies don’t share remaining benefit balances with clinics—contact your insurer directly or check their app for this information
• Insurance policies reset at different times throughout the year (not always January 1st), so please keep track of when your plan renews

Direct Billing Partners

We’re proud to work with a wide range of insurance providers to offer direct billing services. Our common partners include:
Major Insurance Companies:

Additional Partners:

Please note: Some insurance plans don’t support electronic submissions. If you’re unsure whether your plan supports direct billing, please contact your insurance company directly.

Coordination of Benefits for Families

If you or your family members are covered under more than one plan, the order in which claims are submitted depends on each insurer’s coordination-of-benefits rules. These rules differ between insurers and between adults and dependents. Please check with your insurance providers to confirm which plan should be billed first. We’ll submit claims in the order your insurers require.

Health Spending Accounts & Invoices

Some plans include a Health Spending Account. Depending on your provider, we may be able to direct bill it, or you may need to pay upfront and submit your receipt for reimbursement. Check with your plan provider for details.

Need a copy of an invoice from a previous visit? Simply contact our office, and we’ll provide one promptly.

Electronic Claims & Billing

Sometimes a claim shows as “pending” right after submission. If this happens, we’ll void the claim, you’ll pay at the visit, and you can then submit the invoice to your insurer for reimbursement. How claims are processed depends on your insurer.

Your Wellness Journey Starts Here

At Dalhousie Family Chiropractic & Massage, we’re committed to treating every patient as a cherished family member. We understand that insurance can be complex, and our team is happy to answer questions about how billing works at our clinic. We’ve been caring for families in our community since 1996.

Insurance & Direct Billing Information | (403) 286-2245