Therapy Covered by Canada Life: Direct Billing in Toronto & Ontario
Feel Your Way Therapy is a team of Registered Psychotherapists (RPs) and Registered Psychotherapists (Qualifying) seeing clients in person in Toronto and virtually across Ontario.
If you have Canada Life benefits, here's what typically applies, how our direct billing works, and exactly where to check your own plan before you book.
Does Canada Life cover Registered Psychotherapists?
Canada Life's group benefits materials list psychotherapists among the practitioner types eligible for coverage under many Extended Health Care plans, alongside psychologists, social workers, and counsellors — as long as the practitioner is regulated in the province where care is provided.
In Ontario, RPs are regulated by the College of Registered Psychotherapists of Ontario (CRPO). Our team includes both fully Registered Psychotherapists and Registered Psychotherapists (Qualifying), who practise under supervision while completing their registration requirements — both are usually covered under Canada Life plans that include psychotherapy benefits.
Whether your specific plan includes it, and at what amount, comes down entirely to what your employer chose when the plan was set up. Canada Life itself is clear that coverage amounts, maximums, and eligible practitioner types vary plan by plan.
How to confirm your own plan
- Sign in to the Canada Life member site or app (My Canada Life at Work).
- Go to “My Benefits” or the “Coverage” tab.
- Look for “Psychotherapist” or “Mental Health Practitioner” under your Extended Health Care coverage.
- Still unclear? Call the number on the back of your Canada Life card and ask directly.
How direct billing with us works
Direct billing — where we bill Canada Life on your behalf, so you're not paying the full fee upfront — is currently available for sessions with three of our most experienced Registered Psychotherapists.
Seeing another therapist on our team?
You'll pay at the time of your session and we'll give you a receipt so you can submit the claim to Canada Life yourself.
For sessions that are direct-billed, here's what happens
You add your Canada Life details at intake
When you register with us, you'll be invited to add your Canada Life member ID and policy number as part of your intake and consent form.
We submit the claim after each session
We submit the claim to Canada Life electronically. It typically responds within a short time, so you'll know what's covered.
Canada Life pays their portion to us
You're billed only for whatever balance is left, if any.
If a claim is declined, we tell you right away
Or if you've reached your annual maximum — so you can decide how you'd like to proceed.
What if my plan only covers psychologists?
Some Canada Life plans — particularly older ones, or specific union and association plans — still list “Psychologist” as the only eligible mental health provider, with no separate line for psychotherapists. If that's what your plan shows:
Look closely at the wording first
Plans sometimes use broader terms like “Counselling Services” or “Mental Health Practitioner” that already include RPs without naming psychotherapists specifically.
Ask your HR department, or Canada Life directly
Ask whether an exception is possible. Because RP fees are often lower than a psychologist's, some plans will accommodate this on request.
Check for an EFAP
See whether your employer offers an Employee and Family Assistance Program. It's usually a separate benefit from your extended health plan and often includes a set number of free sessions regardless of practitioner type.
Private-pay is always an option
If none of that applies, we're still glad to see you as a private-pay client. We'll give you a receipt in case your plan changes later, or in case you want to submit it to Canada Life yourself and see what happens.
Typical annual maximums
Every Canada Life plan sets its own maximum, and the range is wide — anywhere from a few hundred dollars a year up to several thousand, depending entirely on what the employer chose when setting up the plan.
Some plans give psychotherapy its own dedicated maximum. Others pool it together with psychologists, social workers, and other counsellors under one shared “mental health” or “paramedical” limit — which means the number in your booklet may not be exclusively yours to spend on psychotherapy.
Check the schedule of benefits in your own plan documents for the figure that actually applies to you.
Canada Life coverage, answered
Let's walk through your Canada Life coverage together.
Book a free consultation and we'll walk through your Canada Life coverage together and match you with the right therapist on our team.
In-person in Toronto, online across Ontario
Toronto, ON M5S 2G8