Understand your coverage.
Maximize your benefits.
Most Canadians leave hundreds of dollars in health benefits unused every year. We help you plan your care strategically and use every dollar of your coverage.
Two ways to understand your coverage
Upload Your Benefits Package
Drop your benefits document and receive a personalized analysis of your exact coverage, including a recommended treatment schedule optimized for your specific plan.
Upload Document →
Use the Coverage Calculator
Select your insurance provider and services of interest to receive an estimated breakdown of your coverage based on typical plan structures.
Start Calculator →
Most Canadians forfeit $800 to $1,200 in health benefits annually
Extended health benefits typically expire December 31st. Without a strategic plan, valuable coverage goes unused while you pay out-of-pocket for services that could have been covered.
Estimate Your Coverage
Answer a few questions to receive an estimated breakdown of your health benefits coverage based on typical plan structures from major Canadian insurers.
WHO PROVIDES YOUR extended health benefits?
Strategic planning for your health and coverage
Coverage Verification
We verify your exact coverage limits, percentages, and restrictions with your insurance provider before your first appointment.
Treatment
Planning
Based on your coverage and health goals, we create a treatment schedule that maximizes your benefits throughout the year.
Year-End
Strategy
We proactively remind you of unused benefits as December approaches, ensuring nothing goes to waste.
Frequently Asked Questions
About Health Benefits
Everything you need to know about maximizing your insurance coverage
Most employer-sponsored extended health plans include physiotherapy coverage, often between $300 and $1,000 per year.
To verify your plan:
- Check your benefits booklet or plan summary
- Log into your insurance provider portal
- Ask your HR team
- Call your insurer directly
- Use the Benefits Analyzer for a quick estimate
BNFTS also offers complimentary benefits verification when you book your first appointment.
Extended health benefits, also called supplemental health insurance, cover healthcare services not included in provincial plans like MSP in BC.
- Physiotherapy, massage, chiropractic and acupuncture
- Prescription drugs
- Dental care
- Vision care
- Mental health counselling
- Naturopathic medicine
- Medical equipment
Most people receive this coverage through their employer, though individual plans also exist.
In Vancouver, physiotherapy commonly costs about $90 to $120 per session.
- Without insurance: about $95 to $110 out of pocket
- With 80% coverage: about $20 to $25 per visit
- With 100% coverage: $0 per visit
Many plans cover 80% to 100% up to an annual limit.
Yes. Most extended health plans in Canada include coverage for Registered Massage Therapy.
- Annual limit: usually $300 to $750 per year
- Coverage: often 80% to 100%
- Typical Vancouver visit cost: $95 to $130
Only treatments with a Registered Massage Therapist are usually covered.
Direct billing means you only pay your portion at the appointment while the clinic submits the insurance claim for you.
- You come to your appointment
- Your coverage is verified
- Your insurer is billed directly
- You only pay any uncovered amount
This reduces paperwork and avoids waiting for reimbursement.
You can check your coverage by:
- Logging into your provider website or app
- Reviewing your benefits booklet
- Calling your insurer and asking about annual maximums and percentages
- Using the Benefits Analyzer for a quick estimate
BNFTS can also help verify your benefits when you book.
For most plans, yes. Many employer plans reset on January 1 or on the company plan anniversary.
- Most common: calendar year reset on January 1
- Unused benefits usually do not roll over
- Some plans allow partial carry-forward, but that is less common
In most cases, unused benefits are lost, so planning before year-end matters.
A Health Spending Account gives you a fixed yearly amount for eligible medical expenses with more flexibility.
Extended health benefits usually have category-based limits, such as separate amounts for massage or physiotherapy, plus reimbursement percentages.
Many people have both and can use extended benefits first, then their HSA for uncovered amounts.
That depends on whether your plan is individual or family.
- Individual plans cover only you
- Family plans usually cover your spouse and eligible dependents
- Available limits may be shared across the family
Each family member usually needs their own insurance details even when under the same plan.
BNFTS direct bills more than 100 Canadian insurance providers, including Pacific Blue Cross, Manulife, Sun Life, Canada Life, Great-West Life, Green Shield, Alberta Blue Cross and Desjardins.
If your provider is not listed, the team can usually confirm availability.
The number of sessions depends on your annual limit, coverage percentage and clinic rate.
A simple estimate is to divide your annual maximum by the covered amount per visit.
- Basic plans may cover about 4 to 6 sessions
- Standard plans may cover about 8 to 12 sessions
- Premium plans may cover 15 or more sessions
Once you reach your annual maximum, you can continue by paying out of pocket, using a Health Spending Account, using a spouse’s coverage when applicable, or spacing treatment across the year-end when benefits reset.
Planning visits in advance helps maximize remaining coverage.
For most employer-sponsored extended health plans, no referral is required for physiotherapy, massage, acupuncture or chiropractic care.
Exceptions may apply for WorkSafe BC, ICBC, disability insurance or MSP-funded physiotherapy.
Yes. This is called coordination of benefits or dual coverage.
Usually you submit to your own insurer first and then submit the remaining balance to your spouse’s insurer. Total reimbursement cannot exceed 100% of the treatment cost.
This can significantly reduce your out-of-pocket amount.
Extended health plans in British Columbia often cover a mix of paramedical and healthcare services.
- Physiotherapy
- Registered Massage Therapy
- Chiropractic
- Acupuncture
- Naturopathic medicine
- Counselling or psychology
- Occupational therapy and speech therapy
- Prescription drugs, dental and vision care
Coverage varies by plan, so exact amounts and eligible services should always be verified with the provider.
Still have questions? We’re here to help.
Direct billing to over 100 insurance providers
We handle the insurance claims process for you. You only pay your portion at the time of service. No upfront payment, no paperwork, no waiting for reimbursement.
Ready to maximize your benefits?
Book a complimentary benefits planning consultation and we’ll verify your coverage, answer your questions, and create a personalized treatment plan.