Blogs / Is Physiotherapy Covered in Saskatchewan? Insurance, Direct Billing & What to Expect
Is Physiotherapy Covered in Saskatchewan? Insurance, Direct Billing & What to Expect
One of the most common questions we get:
Is physiotherapy covered?
The answer depends on your situation—but we’ll break it down clearly so you know exactly what to expect before booking your appointment.
There was no way to safely deliver light energy into the body.
A Quick Note Before We Begin
1. Have a Question? Ask Anytime
If you have questions about:
- your coverage
- your specific insurance plan
- or how billing works
Email me anytime at: jason@flamanphysiotherapy.com
2. Important Note on Care and Advice
Any information provided here is:
- general in nature
- meant to help guide your decision
Coverage can vary depending on:
- your insurance provider
- your plan details
- your claim type
- When in doubt, reach out—we’re happy to help clarify.
Is Physiotherapy Covered by the Saskatchewan Government?
In Saskatchewan, physiotherapy services at private clinics (like ours) are not covered by the provincial government.
When Is It Covered?
Physiotherapy may be covered through the Saskatchewan Health Authority (SHA) if:
- you are currently hospitalized
- you qualify under specific programs
- you are recovering from certain surgeries (e.g., hip or knee replacement)
Outside of these situations, physiotherapy is typically accessed through private clinics.
How Most People Access Physiotherapy Coverage
Many patients use third-party insurance plans, including:
- workplace benefits
- extended health plans
- personal insurance policies
What These Plans Typically Cover
Most plans include:
- a set annual amount for physiotherapy
- coverage per visit or percentage coverage
- requirements for receipts or direct billing
Coverage varies—so it’s always worth checking your plan details.
Do We Offer Direct Billing?
Yes.
At Flaman Physiotherapy, we can directly bill many insurance providers, which means:
- less out-of-pocket payment upfront
- reduced paperwork for you
- faster processing
How Direct Billing Works
- You provide your insurance information
- We submit the claim on your behalf
- You pay any remaining balance (if applicable)
- Not all plans support direct billing—but many do.
- If you’re unsure, contact us and we’ll check for you.
What If My Insurance Doesn’t Cover Everything?
If your plan:
- does not allow direct billing
- has limited coverage
- or has been fully used
You can still:
- pay upfront
- receive a receipt
- submit it to your provider for reimbursement
- We’ll always provide the documentation you need.
What About Workplace Injuries (WCB)?
- If you’ve been injured at work, your treatment may be covered under the Workers’ Compensation Board (WCB).
How We Help
We can:
- guide you through the claim process
- submit reports to WCB
- bill directly for approved treatment
- The key is reporting the injury properly and early.
What About Motor Vehicle Accidents (SGI)?
If your injury is related to a motor vehicle accident, treatment may be covered under SGI (Saskatchewan Government Insurance)
What You Need to Do
- report the accident
- open a claim
- receive approval for treatment
How We Support You
We can:
- help guide you through the process
- Provide SGI with appropriate reports
- bill SGI directly when approved
Do You Need a Doctor’s Referral?
In most cases:
👉 No referral is required to see a physiotherapist.
When a Referral May Be Needed
Some insurance plans:
- require a doctor’s referral
- or provide better coverage with one
It’s best to check your specific plan.
How Much Does Physiotherapy Cost?
Costs can vary depending on:
- type of assessment
- length of treatment
- services used (such as use of disposable needles with acupuncture and IMS)
- Our basic rate is $140 for a one hour assessment, and $90 for 30 minute follow up appointments.
Proper treatment can reduce:
- recovery time
- repeat injuries
- long-term costs
Why Understanding Coverage Matters
Many people delay treatment because they are unsure about:
- cost
- coverage
- insurance
The Risk of Waiting
Delaying care can lead to:
- worsening symptoms
- longer recovery
- chronic issues
👉 In many cases, early treatment is more cost-effective in the long run.
How We Make the Process Simple
At Flaman Physiotherapy, we aim to make everything straightforward:
- we explain your coverage
- we help with paperwork
- we guide you through claims
- we focus on your recovery—not the admin
Not Sure About Your Coverage? We Can Help
If you’re unsure whether your physiotherapy is covered, reach out.
At Flaman Physiotherapy in Saskatoon, we:
- verify coverage
- assist with direct billing
- guide you through WCB and SGI claims
Have a question? Email Jason anytime: jason@flamanphysiotherapy.com
Or book your appointment to get started.
Understanding your coverage shouldn’t be a barrier to getting care.
We’re here to help you navigate the process and focus on what matters most—your recovery.
Yours in health,
Jason Flaman
FAQs
Is physiotherapy covered in Saskatchewan?
Not at private clinics, unless you have insurance or qualify under specific programs.
Do you offer direct billing?
Yes, we bill many insurance providers directly.
Do I need a referral?
Usually no, but some insurance plans may require one.
Is physiotherapy covered after a car accident?
Yes, through SGI if your claim is approved.
Is physiotherapy covered for workplace injuries?
Yes, through WCB if your claim is accepted.