Payment and Billing
We collect payment information, process visit charges, and provide receipts according to the service you receive. Payment and insurance procedures differ between medical care, rehabilitation and wellness, mental health, and Integra SkinLab services.
Payment methods and billing process
For rehabilitation, wellness, mental health, and Integra SkinLab services, please provide a credit card at your first appointment so we can securely store it on file. We charge the card after your visit and email you a receipt for your records. Payment information is stored in a secure portal.
For annual block fees and uninsured medical services, we accept:
- Credit card
- Debit
- E-transfer
The annual medical block fee is $299 for one individual or $499 for a couple or family, and remains valid for one year. You may instead choose the pay-as-you-go option and pay for each uninsured service when you receive it.
Please contact our care team if you need clarification about the payment arrangement for a particular appointment or service. Our published information does not specify the individual card brands accepted at each location.
Insurance and reimbursement
We provide direct billing for rehabilitation and select wellness services. To use direct billing, provide your insurance details to our team. Direct-billing availability depends on the service and your insurance provider, so please confirm eligibility before your appointment rather than assuming every service qualifies.
Chiropractic care is generally recognized by private insurance plans. When direct billing is available, we submit the claim for you. If your provider or service is not eligible for direct billing, you pay upfront and we can courtesy bill by submitting the receipt to your insurer for reimbursement.
Physiotherapy is covered by most extended health plans, and we offer direct billing to many insurance providers. Some plans may require a physician referral even when Integra does not require a referral to book physiotherapy. Check your plan’s requirements before your visit.
For services that are not direct billed, we provide a detailed electronic receipt containing the information needed for you to submit a claim. Reimbursement timing is controlled by your insurance company; many insurers process eligible claims within a few days.
Shockwave therapy is not direct billed. Some extended insurance plans may reimburse the service and may require a doctor’s referral, so confirm coverage and referral requirements with your insurer before booking.
Medical services and OHIP
Our eligible medical services, including family medicine, walk-in care, and specialist services, are covered by OHIP when you present a valid health card. Bring your physical health card to in-person appointments for validation.
If you do not have a valid OHIP card, the appointment is charged out of pocket. The listed fee is $130 for a standard appointment and $250 for an extended appointment or physical exam. Quebec health cards are not accepted; patients with Quebec coverage must pay out of pocket. Out-of-province cards may be accepted in person when the physical card can be validated, but out-of-province cards cannot be validated for virtual appointments.
Uninsured services are charged to you at the time of the appointment. We email a receipt after payment so you can retain it for your records or submit it for insurance purposes. Fees for uninsured services vary by service and may include applicable HST.
Payment plans
We have partnered with Beautifi to provide monthly financing for procedures and packages totaling $1,000 or more. You can apply online through our payment plans page. The application is secure, takes less than three minutes to submit, and does not affect your credit score during the application process.
Beautifi can finance the entire procedure or only part of the cost. After you apply, a Beautifi loan specialist confirms your details. If approved, Beautifi pays us directly, so the procedure can be arranged with zero money down. Terms range from six months to six years, and rates depend on your monthly income, credit history, loan amount, and repayment term. Published rates start as low as 8.95%.
You may repay part or all of a Beautifi loan early without a prepayment fee. Approval, interest rate, and monthly payment amounts are determined by Beautifi and are not guaranteed by Integra Health.
Before your appointment
Please have the following available when applicable:
- Your credit card for payment on file
- Insurance policy and member details
- A valid OHIP card for eligible medical services
- Any referral required by your extended health plan
- Confirmation of whether your service is eligible for direct billing
If you are unsure whether your appointment is covered or whether direct billing is available, contact us before the visit so we can explain the applicable payment process and receipt requirements.