Private pay & most insurance plans accepted — including GreenShield
Coverage guide
Other Insurance Coverage
Beyond GreenShield direct-billing, we work with most Canadian insurers and union benefit plans. Below is a quick-reference guide — but the fastest way to know for sure is our free, confidential benefits check.
Provider by provider
Coverage we regularly work with
These are the plans we see most often. Coverage always depends on your specific policy — we'll verify the details for you at no cost.
Sun Life Financial
Extended Health Benefits
Most Sun Life extended-health plans include mental-health and substance-use services. We'll help you understand your annual maximum, deductible, and any pre-authorisation steps.
- Ask HR for your Booklet #
- Check 'residential treatment' rider
- Some plans require pre-authorisation
Manulife
Personal & Group Plans
Manulife group and personal plans commonly cover a portion of inpatient addiction treatment. Coverage varies by plan and employer group.
- Group number & member ID needed
- Ask about 'mental health & addiction'
- Coverage is often subject to annual max
Canada Life
Group & Individual
Formerly Great-West Life. Coverage frequently includes residential addiction treatment when medically necessary. Deductibles and coinsurance apply.
- Look for 'Great-West Life' legacy plans
- Ask about co-insurance %
- Direct billing not always available
Desjardins
Group Insurance
Desjardins group plans (especially Quebec-based employers) often include coverage for addiction treatment. Confirm eligibility and reimbursement rate.
- Contract number required
- Reimbursement is usually 80%
- Save all receipts and clinical notes
Blue Cross
Regional Plans (Ontario, Alberta, Atlantic)
Blue Cross provincial plans may include residential treatment coverage depending on the specific policy. We work with Ontario, Alberta and Atlantic Blue Cross plans.
- Check your provincial plan
- Confirm 'residential treatment' rider
- Reimbursement varies by region
Empire Life
Group Benefits
Empire Life often provides coverage for inpatient addiction and mental-health treatment through group plans.
- Plan-specific limits
- May require doctor's referral
- Reimbursement varies
Union / Trade Coverage
Union Benefits (LiUNA, IBEW, Teamsters, etc.)
Many Canadian unions and trades provide dedicated addiction-recovery benefits through their benefits trust or member-assistance program (MAP).
- Contact your union rep first
- Ask about Member Assistance Plan (MAP)
- Some cover 100% including travel
Cowan / Beneva / Others
Additional Providers
We work with most Canadian benefits providers. If your plan isn't listed here, contact us — we've likely worked with it.
- Bring your benefits booklet
- Or call us with plan info
- We handle the paperwork for you
Confidential
Your benefits check never touches your permanent record. It's private, no obligation, no impact.
We handle the paperwork
Our admissions team calls your provider, confirms coverage, and shares plain-English results with you.
Same-day options
If your plan covers residential treatment, we can often admit you the same day. Don't wait — waiting is what addiction wants.
or call 1-647-482-6308 — we're here 24/7
Coverage accepted
Most private & extended-benefits plans welcome
We work with private-pay clients and most major insurers. Not sure about your plan? Verify your benefits in 60 seconds.
Direct-billing partner
GreenShield-affiliated
Coverage accepted
Coverage accepted
Coverage accepted
Coverage accepted
Regional plans
Group benefits
Union Benefits
Trade/union plans
Logos are property of their respective owners. This page does not imply endorsement.