If you have been in a car accident in Vancouver and need physiotherapy, the city offers some of the top specialists in the province who can help you. The renowned Insurance Corporation of British Columbia (ICBC) presents a program specially designed to get you access to physiotherapy quickly.
With the improvements into effect on April 1, 2019, the insurance provider will implement a new care-based insurance model for ICBC physiotherapy by May 2021. Here’s what you should know about the updated insurance coverage for your physiotherapy.
Support from ICBC
After your accident, you can report your claim by phone or online.
Under the ICBC accident benefits, you will have access to a few pre-authorized treatments, and your health care specialist will align a therapy for you.
You can also avail of other benefits, such as wage loss compensation and support to your home, ensuring you can focus on your quick recovery.
ICBC Coverage for Physiotherapy
ICBC will support early interventions and pre-approve physiotherapy interventions without a physician’s referral.
They will cover the entire physiotherapy cost during the pre-approval period, which offers coverage for 25 visits over three months from the date of your accident. ICBC offers 100% coverage for your Initial Assessment Treatment and 30-minute Standard Treatment.
Eligibility for ICBC Coverage for Physiotherapy
If you have been in a crash after April 1, 2019, and have an open ICBC claim, you have an automatic pre-approval for three months from the accident date for 25 sessions.
On the other hand, if you had the accident before April 1, 2019, and still have an open claim or exceeded the three months cut-off, you would need a doctor’s referral.
Details Required for Your Physiotherapy Appointments Under ICBC Coverage
When you make your first appointment and wish to claim the fees with ICBC physiotherapy for subsequent visits also, you need to provide specific mandatory details. The list includes a valid ICBC claim number, date of accident, and your service card number.
If you need more treatment, ICBC will require a physician’s referral and a report from your physiotherapist to evaluate the value of your continued treatment.
Though ICBC will cover your physiotherapy sessions, a user fee may apply for appointments longer than 30 minutes. You will also have to pay a small user fee for registered massage therapy appointments.
ICBC states that you will be responsible for paying the user fee portion, which you can submit to your private health insurer for coverage considerations.
Checking into a Rehab Facility with ICBC coverage for Physiotherapy
Leading rehabs offer productive physiotherapy sessions under ICBC coverage. Their physiotherapists help you with musculoskeletal injuries and preventive care by manual therapy, including soft tissue therapy and modalities.
While they provide a 45-60-minute Initial Assessment and 30-minute Subsequent Treatment, they also offer a 45-minute Extended Treatment.
Benefits of ICBC Physiotherapy Coverage
Leading specialists understand that dealing with insurance claims can be overwhelming, and that’s why they help you throughout the process. They bill ICBC directly for authorized physiotherapy sessions.
They team up with you, your doctor, and your adjuster, ensuring you get the necessary treatment for a quick recovery.
Ensure you find a reputable rehab that lets you avail of ICBC coverage for your physiotherapy sessions. You can then peacefully work on a quick recovery while you settle your bills hassle-free with ICBC coverage and benefits.