Navigating Insurance: Accessing Occupational Therapy and Kinesiology Services
Navigating access to healthcare services through insurance providers can be complex, but we’re here to shed some light and simplify the process. While many are familiar with accessing physiotherapy, registered massage therapy, and chiropractic treatment through insurance, occupational therapy (OT) and kinesiology services remain underutilized options. However, it’s important to note that both are often covered by insurance providers for those in need.
Recognizing the Need for OT and Kinesiology Services
The need for OT services can arise from various circumstances, including physical injuries, mental health challenges or cognitive limitations, impacting a person’s ability to remain independent in their day-to-day activities. OTs help clients gain independence and satisfaction in across various areas of life, including mobility, self-care, community engagement, leisure, and productivity. Specific services may include:
- Home Safety Assessments & Modifications
- Hospital Discharge Planning
- Wheelchair/Seating Assessments
- Ergonomic Assessments of Home or Work Setup
- Return to Driving
- Mental Health Support
- Cognitive Rehab for Concussion, Stroke, Brain Injury
- Complex Injury Rehab
- Chronic Pain Management
- Return to Work/School & Accommodations
Kinesiology services aim to aid individuals in recovering from injuries, managing chronic conditions, or enhancing physical performance through movement, exercise, and overall health optimization. Clients can anticipate improvements in mobility, strength, flexibility, and overall performance. Specific services may include:
- Individualized exercise therapy programs for soft tissue and orthopaedic injuries
- Rehab exercise programs for clients with brain injuries
- Hydrotherapy programs
- Work Hardening / Return to Work Programs
- Personal Training and lifestyle consulting
- Sport Specific training
Understanding Insurance Coverage: Your Pathway to Support
Navigating insurance coverage can be overwhelming, but rest assured, our services are covered under various insurance plans. We encourage you to explore your coverage options through your provider or reach out to us directly for guidance and support in navigating this process. Here’s some introductory information to help you get started:
ICBC:
- ICBC coverage encompasses rehabilitative services, including OT and kinesiology, for individuals recovering from motor vehicle accidents.
- If your accident was less than 12 weeks ago, ICBC pre-approves 12 sessions of kinesiology.
- Consult your ICBC representative for OT services. You may need a doctor’s note or referral to secure funding.
- OT and kinesiology services are fully funded under ICBC’s Enhanced Care model, with no user fees at Symmetry Rehab.
Veterans Affairs:
- Veteran Affairs Canada (VAC) covers a range of healthcare services, including OT and kinesiology, for eligible veterans.
- Inquire about the process for accessing services, including any required referrals or authorizations, to make informed decisions about your treatment plan.
WorkSafe BC:
- WorkSafe BC covers OT and kinesiology services for individuals injured in the workplace.
- Ensure seamless access to services by communicating with your case manager or claims representative.
Long Term Disability (LTD) Plan Benefits:
- Long-term disability insurance often includes coverage for rehabilitative services like OT and kinesiology for individuals with long-term health conditions or disabilities.
- Review your policy documents and communicate with your insurance provider or employer’s benefits administrator to clarify coverage details as each plan may differ.
Extended Health Plans:
- Extended health plans offered by employers frequently include coverage for a variety of healthcare services, which may include occupational therapy and kinesiology.
- If these services aren’t listed, contact your provider directly. Sometimes, they can be accessed through flex plans or with a doctor’s referral.
If occupational therapy or kinesiology services are not funded by your benefit plan or insurance provider, Symmetry Rehab ensures access at a competitive rate. If you’re ready to explore OT or kinesiology services, please reach out to us.
