Sterling Physiotherapy in Hamilton offers direct billing to most major insurance providers, including Sun Life, Manulife, Blue Cross, Canada Life, Great-West Life, and Desjardins. This means you pay nothing out of pocket at the time of your appointment - we submit the claim to your insurance company directly and you receive only the balance owing, if any. WSIB and Motor Vehicle Accident (MVA) patients are also billed directly with no upfront payment required.
Direct billing - also called assignment of benefits - means that Sterling Physiotherapy submits your insurance claim on your behalf after each appointment. Rather than paying the full session fee upfront and waiting weeks for your insurance company to reimburse you, we handle all the paperwork and receive payment directly from your insurer.
Most patients with extended health benefits through their employer pay little or nothing at each visit. If your plan covers 80% of physiotherapy costs, for example, you would only pay the remaining 20% at the time of your appointment. Many patients are surprised to discover their insurance covers more than they expected.
If you are unsure what your plan covers, call us at (289) 401-2900 before your first appointment and our admin team will verify your benefits for you - at no charge.
We offer direct billing to the following major insurance providers in Hamilton:
Don't see your insurer on this list? Call us at (289) 401 2900 - we add new providers regularly and our team will check if direct billing is available for your plan.
Yes. Sterling Physiotherapy is an approved WSIB (Workplace Safety and Insurance Board) physiotherapy provider in Hamilton. If you have been injured at work and your claim has been approved by WSIB, we bill WSIB directly - you pay nothing for your physiotherapy treatments.
What you need to bring to your first WSIB appointment:
We treat all types of workplace injuries including back injuries, shoulder strains, repetitive strain injuries, slip and fall injuries, and post-fracture rehabilitation. Our WSIB physiotherapy page has full details on what to expect.
Not sure if you qualify for WSIB physiotherapy? You can visit wsib.ca or call us and our team will help you understand the process.
Yes. If you were injured in a car accident in Ontario, your auto insurance policy covers physiotherapy rehabilitation through the Statutory Accident Benefits Schedule (SABS). Sterling Physiotherapy bills your auto insurer directly so you can focus entirely on your recovery.
Common conditions we treat for MVA patients in Hamilton include:
You do not need to wait for a settlement to begin treatment. Physiotherapy can begin immediately after an accident and is fully covered under your auto insurance. Visit our MVA physiotherapy page for more information.
OHIP (Ontario Health Insurance Plan) does not cover private physiotherapy at clinics like Sterling Physiotherapy. However, physiotherapy is covered under most employer-provided extended health benefit plans, and through WSIB for workplace injuries and auto insurance for car accidents.
If you do not have extended health benefits, you can still access our services and pay privately. Session fees at Sterling Physiotherapy are $90–$115 per session. Contact us to discuss a treatment plan that fits your budget and recovery goals.
That's it. No forms to mail. No waiting for reimbursement cheques.
Direct billing typically applies to all insured physiotherapy and registered massage therapy services at Sterling Physiotherapy. This includes:
Coverage limits vary by insurance plan. Most plans have an annual maximum (e.g., $500-$1,500 per year for physiotherapy). Our admin team can help you track your remaining benefits throughout the year.
Ready to start your recovery without the hassle of insurance paperwork? Book your appointment at Sterling Physiotherapy today. We serve patients from across Hamilton including Stoney Creek, Ancaster, Binbrook, Glanbrook, and the surrounding area.
No referral needed. New patients welcome. Direct billing to most insurers.
Yes. If you and your spouse each have group benefits, you may be able to use one plan as primary and the other as secondary (coordination of benefits), potentially covering 100% of your costs. Let our admin team know and we will coordinate accordingly.
Yes, if your plan includes registered massage therapy (RMT) coverage, we can direct bill for your massage appointments as well. Our massage therapists are registered with the College of Massage Therapists of Ontario (CMTO).
No. You do not need a referral to book at Sterling Physiotherapy or to use direct billing. However, some insurance plans require a physician's referral for reimbursement — check your plan booklet or call your insurer to confirm. Our admin team can advise you based on which insurer you are with.
Yes. Children covered under a parent's extended health benefits plan are eligible for direct billing at Sterling Physiotherapy.
You pay only the portion your insurance does not cover. For example, if your plan covers 80% and your session is $100, you pay $20 at the clinic. We provide a full receipt after every visit.
Bring your insurance plan number, your certificate/member ID number and the name of your insurance provider. If you have a group benefits card, bring that. We will take care of the rest.
