How to Use Your Extended Health Benefits for Counselling in BC (Direct Billing Explained)

One of the most common questions I hear during a first phone call isn't about therapy at all. It's: "Will my benefits cover this?"

It's a fair question. Cost shouldn't be the thing that stands between you and support, and the good news is that most extended health plans in BC do cover counselling with a Registered Clinical Counsellor. Here's how to find out what you have, and how direct billing makes it simpler.

Step 1: Check whether your plan covers an RCC

Extended health plans usually list which types of mental health professionals they'll reimburse. Look for "Registered Clinical Counsellor," "RCC," or "clinical counsellor" in your plan booklet or online portal. Some older plans only list psychologists, so it's worth confirming — a quick call to your insurer's member line is the fastest way.

I am a Registered Clinical Counsellor with the BC Association of Clinical Counsellors (BCACC), which is the designation most BC plans recognize.

Step 2: Find out your annual maximum

Plans typically set a dollar limit per calendar year — commonly anywhere from $500 to $2,000 or more, with some employers offering unlimited mental health coverage. Some also cap the amount per session. Knowing your maximum helps us plan how often to meet.

Step 3: Ask about direct billing

Direct billing means I submit the claim to your insurer for you, and you only pay the portion your plan doesn't cover (if any). No receipts to save, no forms to fill out, no waiting weeks for a reimbursement cheque.

I currently direct bill to:

• Medavie Blue Cross and Pacific Blue Cross
• Crime Victim Assistance Program (CVAP)
• First Nations Health Authority (FNHA)
• Autism Fund
• BCEHS Critical Incident Stress (CIS) Program
• Telus eClaims — which covers Canada Life, Manulife, Desjardins, Industrial Alliance, and 30+ other plans

If your insurer isn't on this list, I'll give you a detailed receipt after each session that you can submit yourself.

What if I don't have benefits?

You still have options. My session fees are posted openly on my website, and I accept cash, cheque, e-transfer, and credit card. If you've been affected by a crime, CVAP may cover counselling at no cost to you. If you're a first responder with BC Emergency Health Services, the CIS program may apply. And if cost is a genuine barrier, please still reach out — let's talk about what's possible.

A note on privacy

People sometimes worry that using benefits means their employer will know they're in counselling. Insurers do not share the details of your claims with your employer. Your sessions remain confidential.

Let's make it simple

If you're unsure about any of this, bring your plan information to our free 15-minute phone consult and we'll figure it out together. Sessions are available in person in Salmon Arm, online, or by phone.

Request a consultation or call 778-824-1168.