Insurance Benefits
INSURANCE ELIGIBLE BY MOST SCHOOLS AND INSURANCE COMPANIES IN KITCHENER- WATERLOO
INSURANCE BENEFITS
Most insurance companies now have coverage for counselling sessions with Registered Social Workers (RSW) and Registered Psychotherapists (RP). Please Note: clients are responsible for investigating the parameters of their insurance coverage. We do not offer direct billing and will instead issue a receipt once payment has been received.
University of Waterloo Student Coverage
What is my coverage as an undergraduate student?
Undergraduate students are covered for 80% of the cost of mental health services, up to a maximum of $800 per calendar year. This coverage applies to licensed psychologists, psychotherapists, clinical counsellors, and those with a Master’s degree in Social Work. For more details, click here.
What is my coverage as a graduate student?
Graduate students receive 80% coverage for the cost of a mental health practitioner, up to a maximum of $800 per calendar year. Eligible practitioners include licensed psychologists, psychotherapists, clinical counsellors, or those with a Master’s degree in Social Work. For more details, click here.
What is my coverage as an international student?
International students are covered under the same plan as domestic students through the Waterloo Undergraduate Student Association (WUSA) or the Graduate Student Association (GSA). For more details, click here.
Wilfrid Laurier University Student Coverage
What is my coverage as an undergraduate student?
Undergraduate students are eligible for 80% coverage for services from practitioners, with a maximum of $100 per visit and a combined maximum of $1,000 per benefit year. Eligible practitioners include Psychotherapists and Registered Social Workers (RSWs) with a Master of Social Work (MSW). For more details, click here.
What is my coverage as a graduate student?
Graduate students receive 60% coverage for the cost of a mental health practitioner, with a maximum of $400 per policy year (this combined maximum applies to all practitioners). Eligible practitioners include licensed psychotherapists, psychologists, clinical counsellors, and those with a Master's degree in Social Work. For more details, click here.
What is my coverage as an international student?
International students are covered under the same plan as undergraduate students (Wilfrid Laurier University Students' Union, WLUSU) or graduate students (Graduate Students' Association, GSA), as outlined above. For more details, click here.
Conestoga College Student Coverage
Am I eligible for coverage as a Conestoga College student?
Full-time domestic and international students (except those enrolled in the English for Academic Studies program) are eligible for coverage. The plan covers 70% of the cost of services from a psychologist or social worker, with a maximum of $300 per policy year. Eligible social workers must be Registered Social Workers or hold a Master of Social Work degree. Please note, a referral from a medical doctor is required to be covered for visits to a psychologist or social worker. For more details, click here.
What is my coverage as an international student?
The College International Health Insurance Plan provides comprehensive coverage for emergency healthcare services. This plan includes outpatient psychiatrist fees for psychotherapy, up to $2,500 per benefit year. For more details, click here.
General Questions Regarding Student Coverage
Can I be covered for services provided by student interns at Exhale?
Yes, in many cases, insurance companies will cover services provided by supervised interns, as long as the intern is under the supervision of a licensed professional, such as a Registered Social Worker (RSW). The supervisor is typically the one submitting the claim. However, it’s important to confirm with your insurance provider.
Can I be covered for services provided by a clinician with a Bachelor of Social Work (BSW)?
We recommend contacting your insurance provider directly to verify whether these services are covered under your plan. Coverage for services offered by a clinician with a Bachelor of Social Work (BSW) may vary depending on your specific policy.