Direct Billing Expanded: Now Offering Direct Insurance Billing for Canada Life, Manulife, and Desjardins

Accessing high-quality mental health support shouldn't come with the added stress of financial paperwork or waiting weeks for insurance reimbursements.

In addition to Sun Life and Blue Cross, direct insurance billing is now available for Canada Life, Manulife Financial, and Desjardins Insurance.

If you have benefits through any of these major Canadian insurance providers, you can opt into our direct billing service -- meaning zero out-of-pocket costs at the time of your appointment for covered amounts. We handle the claim submission on your behalf so you can focus entirely on your therapy.

Why Direct Billing Matters for Your Therapy Journey

When seeking therapy, cognitive behavioural therapy (CBT), or mental health counselling, up-front session fees can create an unnecessary barrier to care. With direct billing, therapy becomes more accessible, predictable, and stress-free:

• No Upfront Costs: You don't need to pay the full session rate out-of-pocket and wait for a reimbursement check or deposit.

• Zero Paperwork: Forget downloading receipts, filling out online claim forms, or tracking claim statuses.

• Immediate Coverage Applied: If your plan covers 100% of your session, you pay $0. If your plan covers a percentage (e.g., 80%), you only pay the remaining copay balance.

How Direct Billing Works: Step-by-Step

Setting up direct billing for your therapy or CBT sessions takes just a few moments:

1. Opt In & Provide Benefits Info: Before or during your intake, share your insurer name, policy/plan number, and member ID.

2. Attend Your Session: Focus on your session without worrying about payment handling at the end.

3. We Submit Your Claim: We submit the claim directly to Sun Life, Canada Life, Manulife, or Desjardins on your behalf.

4. Pay Only the Difference (If Any): You only pay the remaining co-pay or deductible if your insurance plan covers less than 100% of the session fee.

   
   

Frequently Asked Questions (FAQ)

Can I direct bill for Cognitive Behavioural Therapy (CBT) and Psychotherapy?

Yes. As long as your health benefits policy includes coverage for Registered Psychotherapy / Counselling / Mental Health services, direct billing applies across individual counselling, CBT, and related therapy services.

What if my insurance plan only covers a percentage of the fee?

If your policy covers a percentage (for example, 80% per session), we direct bill the 80% to your insurer. You will only be charged the remaining 20% out-of-pocket balance at the end of your session.

Do I have to use direct billing?

No, direct billing is completely optional. If you prefer to pay upfront and collect points on your credit card or handle your own reimbursements, we can issue standard official receipts after each session.

About Jing Counselling

Jing Counselling is led by Amy Bi, offering evidence-based psychological counselling and Cognitive Behavioural Therapy (CBT).

• Location & Virtual Care: In-person sessions in Markham, Ontario, as well as online therapy available province-wide across Ontario.

• Languages Spoken: Services are available fluently in English and Mandarin Chinese.

• Get in Touch: To set up direct insurance billing or book an initial consultation, contact us today or visit our online booking portal.