EHC, WSIB and IFHP Coverage at Our Caledon Clinic

Paperwork should not be the reason someone puts off treatment. At SouthFields Physiotherapy Centre we work with patients whose care may be funded through extended health benefits, a workplace injury claim, or the Interim Federal Health Program, and we help you understand the process before you commit to anything.

These three routes are entirely different. Extended health care comes through a private insurance plan, usually via an employer. WSIB relates specifically to injuries that happened at work. IFHP is a federal program covering certain groups, including eligible refugee claimants and protected persons.

An important note before you read further: we cannot confirm what your particular plan or claim will pay for. Coverage depends on your individual plan and eligibility, and the decision rests with your insurer or the relevant program, not with our clinic. What we can do is explain how each route generally works, tell you what information to gather, and help with the documentation on our end. Please contact us to discuss your coverage before your first appointment.

Extended Health Care (EHC)

What It Is

Extended health care refers to private insurance benefits, most often provided through an employer or purchased individually, that may help with the cost of services such as physiotherapy, massage therapy, chiropractic care, acupuncture, naturopathic care, and osteopathy.

Each plan is written differently. Two people at the same workplace can have different limits, and a plan that covers one of our services generously may not include another at all.

What to Check With Your Plan

• Which services are included, listed by name
• The annual maximum for each service category
• Whether a physician’s referral is required before treatment
• Any per-visit limit or percentage the plan reimburses
• Whether direct billing to the insurer is permitted for your plan
• Whether a deductible applies before coverage begins
• When your benefit year resets

How It Usually Works

Some plans allow the clinic to bill the insurer directly, in which case you pay only any remaining balance. Others require you to pay at the time of your visit and submit the receipt yourself for reimbursement. Our administrative team will let you know what is possible in your case and provide the receipts and documentation you need either way.

WSIB (Workplace Safety and Insurance Board)

What It Is

WSIB provides benefits and support to workers in Ontario who are injured on the job or develop a work-related condition. Where a claim is approved, WSIB may fund rehabilitation aimed at recovery and a safe return to work.

What the Process Generally Involves

• Reporting the injury to your employer as soon as possible
• Seeking medical attention and telling the provider it is work-related
• A claim being filed with WSIB, which assigns a claim number
• Attending rehabilitation appointments as approved under the claim
• Progress reporting from the clinic to WSIB during your care
• Coordination around modified duties and a return-to-work plan

How We Support You

If your claim is approved for treatment with us, we handle the required reporting and communication with WSIB on our side, and we structure your rehabilitation around the physical demands of your actual job rather than a generic program. Bring your claim number, employer details, and the date of injury to your first appointment. Whether a claim is accepted, and what it funds, is determined by WSIB.

IFHP (Interim Federal Health Program)

What It Is

The Interim Federal Health Program provides limited, temporary health coverage for certain groups who are not yet eligible for provincial health insurance, including eligible refugee claimants, resettled refugees, and other protected persons.

What to Know

• Eligibility and the scope of covered services are set by the federal program
• Coverage is generally temporary and tied to your status
• Not all services are included, and some require prior approval
• You will normally need to present a valid IFHP document
• Coverage can differ between individuals depending on their category

How We Support You

We welcome patients covered under IFHP and will treat you with the same care and privacy as any other patient. Bring your IFHP certificate or document to your appointment so we can verify what applies. If a service you need is not covered, we will tell you before treatment goes ahead so there are no surprises.

Who This Page Is For

This information may be useful if you:

• Have benefits through work and are unsure what they include
• Were injured on the job and are starting a WSIB claim
• Are covered under IFHP and looking for a clinic that accepts it
• Want to know whether we can bill your insurer directly
• Need documentation or receipts for a reimbursement claim
• Are trying to work out the likely cost before booking

What to Bring to Your First Appointment

• Your insurance card or plan and policy numbers, for extended health benefits
• Your WSIB claim number, employer name, and injury date, for a workplace claim
• Your valid IFHP document, if applicable
• Any physician referral your plan requires
• Photo identification
• Relevant medical reports or imaging results

Having these details ready lets us verify what we can before your appointment and reduces delays on the day.

Why Choose SouthFields Physiotherapy Centre?

• Familiar with all three routes – Experience working with extended health plans, WSIB claims, and IFHP patients.
• Straightforward answers – We tell you what we know and what only your insurer or program can confirm.
• Documentation handled properly – Reports and receipts prepared accurately and on time.
• Costs discussed up front – You will know about any amount payable before treatment proceeds.
• The same standard of care – Your funding route does not change the quality of your treatment.
• Administrative support – Our team helps you navigate the process rather than leaving you to it.
• Convenient Caledon location – Serving Bolton, Brampton, Vaughan, and surrounding communities.

Frequently Asked Questions

Can you tell me whether my treatment will be covered?

We cannot confirm that. Coverage depends on your individual plan and eligibility, and the decision belongs to your insurer or program. We can tell you what information to request from them and what documentation we provide.

Do you offer direct billing?

It depends on the insurer and the specific plan, as not all permit it. Please contact us with your plan details and we will let you know what is possible.

What if my insurance does not cover the full cost?

Any remaining balance is payable by you. We will discuss the amount with you before treatment so you can decide how to proceed.

Do I need a doctor’s referral?

You do not need one to be seen at our clinic, but many insurance plans require a referral before they will reimburse. Check your policy wording first.

How do I start a WSIB claim?

Report the injury to your employer, seek medical attention and state that it is work-related, and a claim can then be filed with WSIB. Once you have a claim number, contact us and we will explain the next steps on our side.

Will you communicate with WSIB during my treatment?

Yes. Where treatment is approved under a claim, we complete the required reporting and progress updates.

Do you accept new IFHP patients?

We welcome IFHP patients. Bring your valid IFHP document so we can verify what applies to your situation before treatment begins.

What happens if my benefits run out mid-treatment?

We will let you know as you approach your limit and discuss your options, which may include adjusting visit frequency or moving to a self-directed home program.

If you are unsure where you stand, get in touch. A short conversation with our team is often enough to clarify your options before you book.