Dr. Natalie LopezCheck your plan
Ask your insurer whether chiropractic care is included, how much is covered, and whether a referral is needed for reimbursement.
Does OHIP Cover Chiropractic? Insurance and Billing Explained
Here is how OHIP, extended health benefits, and direct billing work, so you can understand your options before you book.
Dr. Natalie Lopez provides chiropractic care at Preserve Oak Wellness in Oakville and welcomes patients from Oakville, Mississauga, and nearby communities.
OHIP Coverage: The Short Answer
No. OHIP does not cover chiropractic care in Ontario.
If you have extended health benefits through work, a spouse, or a school plan, your visits may be partly or fully covered. Your insurer decides how much is covered and whether any plan requirements apply.
How Extended Health Benefits and Direct Billing Work
Many benefit plans include chiropractic care. The details depend on your specific plan, so it helps to check your coverage before your appointment.
Use direct billing when available
When your plan supports direct billing, the claim can be submitted for you. You pay any amount your plan does not cover.
Keep your receipt
If direct billing is not available, you pay at your visit and receive a receipt to submit to your insurer.
What Your Insurance Typically Covers
Plans use different limits. Yours may include one of these arrangements or a combination of them.
A set number of visits
Your plan may cover a certain number of chiropractic visits during the benefit year.
An annual dollar maximum
Your plan may pay up to a fixed amount for chiropractic care each year.
A percentage of each visit
Your plan may cover part of each fee, leaving you to pay the remaining amount.
What to Bring for Billing
A few details can make billing easier. If you are unsure what your plan requires, check with your insurer before your appointment.
Questions about direct billing? Call 647.799.5155- Your extended health benefit card or member number
- Your group number, if you have one
- Any letter of authorization your insurer requires
- A doctor's referral only when your plan requires one for reimbursement
What to Expect at Your First Visit
Your first visit is a full 60-minute assessment and treatment appointment, with time to talk through what has been bothering you and understand the plan together.
Once the assessment and explanation are complete, treatment begins during that same appointment, with your comfort and consent guiding every step.
See what happens at your first visitInsurance and Billing FAQs
Does Dr. Natalie direct bill to my insurance?
Direct billing is available for many plans. When your plan supports it, the claim can be submitted for you and you pay any amount your plan does not cover. Your insurer can confirm the exact benefits available under your plan.
What if my insurance only covers part of my visit?
You can still use your benefits. With direct billing, you pay the remaining amount at your visit. If direct billing is not available for your plan, you pay the full fee and receive a receipt to submit to your insurer.
Do I need a doctor's referral to use insurance for chiropractic?
You do not need a referral to book chiropractic care. Some benefit plans require a doctor's referral before they reimburse a visit, so check your plan or ask your insurer before your appointment.
Does OHIP cover any part of my visit?
No. OHIP does not cover chiropractic care in Ontario. Any coverage for your visit comes through your extended health benefit plan.
What if I do not have insurance?
You can still book with Dr. Natalie. JaneApp shows the current fee before you choose an appointment. If you have questions about whether care is the right fit or which visit to book, you can start with a free 15-minute consultation.
Can I use a Health Spending Account for chiropractic visits?
Chiropractic services may be eligible under a Health Spending Account. Plans differ, so confirm eligibility with your account administrator and keep your receipt.
Ready to check your coverage?
Confirm your benefits with your insurer, then open JaneApp to see current fees and book when you are ready. If you have questions about care or which appointment to choose, start with the free 15-minute consultation.