28 Dec Direct Billing At MYo Lab
This post is all about direct billing at MYo Lab and how extended health Extended Health Care (EHC) works!
This is because from some members we get the question of: will I have to pay full price for my appointment? The answer may not always be yes, and we want to explain why!
It’s very likely that you may be a beneficiary of Extended Health Care (EHC), whether that be from an employer, post-secondary institution, or somebody in your social/family network such as a parent or spouse. These coverages are separate to those that may be offered/provided by Canada’s universal health care system, and it’s common for these benefits to cover the vast majority of private health care providers such as our Chiropractors, Physiotherapists, Registered Massage Therapists (RMTs), and even our Personal Trainers through Exercise Rehab Sessions.
Conveniently, MYo Lab offers complimentary EHC benefit checks at no cost to you on every service type as long as you’re able to provide us with the relevant information in person, over the phone, or through our online Clinic Intake Forms. Not only that, but your EHC benefits will remain on file with MYo lab indefinitely, ensuring that your are able to maximize your savings and create a budget to manage your health and wellness needs.
While our Member Services team are EHC pros, we do not necessarily know everything there is to know about your personal EHC details; we have the ability to determine a specific dollar value of claimed versus paid services, however, we cannot always be certain about the sum or pool of benefits you may have.
With that being said, it is always a great idea to do some homework: call your EHC provider (Alberta Blue Cross, Sun Life, Canada Life, Manulife, etc.) and ask for further information on the specifics of coverage on each servicing Practitioner, or discuss with your Human Resources personnel (if at work), or your family member regarding coverage allowances prior to your first appointment!
This step will ensure that you’re not surprised by the excellent coverage you may have, or the lack thereof! It’s also important to note that many benefit providers have different tiers of eligibility depending on your personal premium (the amount paid for the coverages) so be diligent in researching these details.
Lastly, while “use it or lose it” didn’t last long in the field of evolutionary biology, it certainly applies to EHC! Your specific pools of coverage will likely have a “life expectancy” of 1 year so it’s important to understand this and act quickly to use the coverage provided to you as it does not roll over into the next year!
Another way to supplement your health and wellness journey at MYo Lab could be through the use of a Health Care Spending Account (HCSA). A HCSA can either service as a supplement to basic employer EHC or it can be a complete alternative. The only catch here is that unlike EHC, which has been previously discussed, our Member Services team cannot access your HCSA and therefore cannot direct bill to it.
However, HCSA may give you more control over your benefits. For example, if your EHC plan does not cover Massage Therapy, it’s very likely that you can spend your HCSA funds on this. For our HCSA users, you will conveniently be provided with an emailed receipt so that you are able to submit a claim on your behalf for direct reimbursement. Similarly to many EHC providers, your HCSA provider may very well have an app to use which significantly expedites the reimbursement time after submission, ensuring that your hard earned money doesn’t leave your pockets for too long!
If you ever have any questions or concerns relative to your personal EHC or HCSA accounts please leave an inquiry for our Member Services team at MYo Lab and they will happily walk you through the process! Again, we are here to ensure that you are stress free and financially comfortable to invest into your personal health and wellness journey.
We are always accepting new members who are ready to commit to their health and wellness journey. If you are tired of receiving care that doesn’t seem to “stick” and are ready to experience the MYo difference, book now so one of our friendly team members can welcome you to the MYo Lab community today!