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Direct Billing Policy

At Vitals Health, we strive to make the payment process as convenient as possible for our clients. We offer direct billing to select insurance providers to streamline your experience. Please review our direct billing policy below:

Third-Party Billing Disclaimer

  • Vitals Health acts as a third party in processing direct billing claims. We do not determine coverage, eligibility, or reimbursement amounts.

  • All claims are subject to approval by your insurance provider, and any issues or disputes must be resolved directly with them.

  • Claims cannot be submitted for a future date; they must be processed for services rendered on the date of the appointment.

Patient Responsibility

  • Direct billing is not guaranteed. If your provider denies or only partially covers a claim, you are responsible for paying any remaining balance at the time of service.

  • Claims that are paid to the insurer mean that the insurer is responsible for covering the service. In such cases, the clinic will not wait for the claim to be approved or for the client to receive reimbursement—the full payment is required at the time of service.

  • It is the clients' responsibility to verify their coverage and benefits before their appointment.

Claims Processing

  • We will submit claims on the clients behalf, but approval and processing times vary by provider and coverage type.

  • We are not responsible for delays, errors, or rejections from insurance companies.

  • Please note that while your insurance provider may be listed among those we offer direct billing for, direct billing is not guaranteed for all practitioners at our clinic. Eligibility may vary depending on your specific provider and policy. In such cases, patients will be responsible for submitting claims directly to their insurance provider.

Secondary Insurance Policy

  • Vitals Health is not authorized to direct bill secondary insurance providers under any circumstances. It is the client's responsibility to submit claims to their secondary insurance directly.

  • When filling out the intake form or providing insurance details to our admin staff, clients must provide the primary insurance provider for which Vitals Health will submit claims.

Student Insurance Policy

All student insurance claims must be submitted by the students themselves, following the guidelines provided by their educational institution’s website.

Appointment Cancellations Due to Insurance Coverage

If a client cancels their appointment within 24 hours or at the time of their appointment due to their insurance not covering the session, the full session fee will be charged to the card on file. 

Insurances We Direct Bill

If your insurance provider is not listed on this page, we either do not offer direct billing for that insurance provider or the insurance provider does not have direct billing services:

  1. AGA Financial Group Inc.

  2. Alberta Blue Cross

  3. Beneva Inc.

  4. BPA - Benefit Plan Administrators

  5. Canada Life

  6. Canada Life - PSHCP

  7. Canadian Benefit Providers

  8. Canadian Construction Workers Union

  9. Chambers of Commerce Group Insurance

  10. CINUP

  11. ClaimSecure

  12. Cooperators

  13. Desjardin Insurance

  14. Empire Life

  15. Equitable

  16. First Canadian

  17. Green Shield

  18. Johnston Group Inc.

  19. LiUNA Local 183

  20. LiUNA Local 506

  21. Manion

  22. Manulife Financial

  23. Maximum Benefit

  24. MDM Insurance​​​

  25. Medavie Blue Cross

  26. Medic Construction

  27. NexgenRx

  28. People Corporation

  29. RWAM Insurance Services Inc.

  30. Simply Benefits

  31. SSQ Insurance (Beneva Inc.)

  32. Sunlife

  33. TELUS AdjudiCare

  34. Union Benefits

  35. UV Insurance

Changes to This Policy

We may update this policy from time to time. Any changes will be posted on our website with the updated effective date.

Effective Date: April 1, 2025
Last Updated: April 1, 2025

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