Important Information
Insurance coverage for counselling services can vary significantly depending on your specific benefits plan. Not all employers offer the same level of coverage, and not all plans include Canadian Certified Counsellors (CCC).
It is your responsibility to confirm with your insurance provider whether services with a CCC are covered under your plan.
Common Insurance Providers
Below is a general guide to how many major Canadian insurance providers typically handle CCC coverage:
| Insurance Provider | Coverage |
|---|---|
| AGA Financial Group Inc. | Often No |
| Alberta Blue Cross | Often yes |
| Beneva | Often Yes |
| BPA - Benefit Plan Administrators | Often Yes |
| Canada Life | Often Yes |
| Canada Life - PSHCP | Often No |
| Canadian Construction Workers Union | Often Yes |
| Chambers of Commerce Group Insurance Plan | Often Yes |
| CINUP | Often Yes |
| ClaimSecure | Often Yes |
| Coughlin and Associates Ltd. | Often Yes |
| Cowan (Express Scripts Canada) | Often Yes |
| D.A. Townley | Often Yes |
| Desjardins Insurance | Often Yes |
| Equitable life of Canada | Often yes |
| First Canadian | Often Yes |
| GMS Carrier 49 | Often Yes |
| GMS Carrier 50 | Often Yes |
| Industrial Alliance | Often Yes |
| Johnson Inc. | Often yes |
| Johnston Group Inc. | Often Yes |
| LiUNA Local 183 | Often Yes |
| LiUNA Local 506 | Often Yes |
| Manulife Financial | Often Yes |
| MDM Insurance Services Inc. | Often Yes |
| Maximum Benefit | Often Yes |
| Medavie Blue Cross | Often Yes |
| People Corporation | Often Yes |
| Simply Benefits | Often Yes |
| Sunlife | Often Yes |
| TELUS AdjudiCare | Often Yes |
| Union Benefits | Often Yes |
| UV Insurance | Often Yes |
Please note: “Often Covered” does not guarantee eligibility. Coverage depends entirely on your individual plan.
Check your coverage
Reach out to your insurance provider and ask what mental health services are included in your plan.
Ask the right questions
- Do I have counselling coverage?
- Is a Canadian Certified Cousellor (CCC) covered under my plan?
- What is my yearly limit?
- Do I need a doctor's referral?
Attend your session
You’ll pay at the time of your appointment and receive a receipt afterward.
Submit your receipt
Send your receipt to your insurance provider for reimbursement based on your plan.