Payment and Insurance Information
Payment methods accepted, cancellation policy
Payment methods accepted: Mastercard or Visa. We do not accept Amex or Discovery.
For all consultations you need to cancel, we ask for 2-business day notice, the full cost of the consult or monthly fee. This means for consults booked on Monday or Tuesday, we ask you to notify us by the Thursday or Friday the week prior.
Payment Information
For those who need (or want) functional laboratory testing (urine, breath, blood, spit, stool kits or genetic reports), they are available at an additional cost, which will be laid out to you at your initial consult. Read more about these additional lab tests here.
Lab testing may or may not be covered by your benefit plan. Call your insurance company to learn more about what they cover.
Not sure about your Insurance?
We do NOT do direct billing, but can help guide you as you submit your invoice to your insurance provider. Always submit your itemized invoice (with $0 balance), not your receipt, to your insurance provider. After you make a payment in CHARM, our office administrator will push you the paid $0 balance invoice for you to download in the Billing section, under the Invoices tab. (Your invoice and receipt are separate .pdf’s that you download in the billing section of CHARM).
- What is your coverage for naturopathic medicine, per benefit year?
- What is the max reasonable charge for your naturopathic coverage (initial visit vs. follow-up consults, diagnostic lab tests).
- When does my benefit year renew?
- What is my predetermination coverage for insurance codes:
- 2.ZZ.0 – Initial visit assessment (examination or consultation).
- 2.xx.0 – Diagnostic tests (lab tests)
- A91x – Supplements (e.g. Vitamins, minerals, natural remedies)
- 1.ZZ.1 – Treatment / Intervention/ Follow-up Consults
Insurance Companies
- BPA – Benefit Plan Administrators 1-800-867-5615
- Canada Life 1-800-957-9777
- Canadian Construction Workers Union 416-240-0047
- Chamber of Commerce Group Insurance 1-800-665-3365
- CINUP 1-800-665-1234
- ClaimSecure 1-888-513-4464
- Cowan 1-888-509-7797
- Desjardins Insurance 1-800-463-7843
- First Canadian 1-866-212-5644
- GMS Carrier 49 1-800-667-3699
- GMS Carrier 50 1-800-667-3699
- GroupHEALTH 1-833-344-6944
- GroupSource 1-888-547-6947
- Industrial Alliance 1-877-422-6487
- Johnson Inc. 1-866-773-5467
- Johnston Group Inc. 1-800-893-7587
- LiUNA Local 183 416-240-2103
- LiUNA Local 506 416-506-8841
- Manion 1-866-532-8999
- Manulife Financial 1-866-407-7878
- Maximum Benefit 1-800-893-7587
- Sun Life Financial 1-855-301-4786
- TELUS AdjudiCare 1-877-944-7100
If you have an HSA plan, you can submit your receipts for coverage. This often includes coverage for supplements and lab testing.
