Insurance Coverage Made Simple
If your medical supplies are covered by private insurance, a provincial program, or a federal benefit, FinalMedic can bill your provider directly so you pay little or nothing out of pocket. Submit the short form below — we’ll confirm your coverage and walk you through the next step.
Insurers and Programs We Work With
Private Canadian insurers (direct billing or reimbursement)
Manulife, Canada Life, Sun Life, Desjardins Insurance, Beneva (SSQ / La Capitale), iA Financial Group, Empire Life, Equitable Life of Canada, RBC Insurance, Humania Assurance, Green Shield Canada, ClaimSecure, Medavie Blue Cross, Pacific Blue Cross, Alberta Blue Cross, Ontario Blue Cross, Saskatchewan Blue Cross, Manitoba Blue Cross, GroupHEALTH, GroupSource, Chambers of Commerce Group Insurance Plan, Johnston Group, Canadian Benefits Consulting Group, TELUS Health, Express Scripts Canada.
Quebec public programs
RAMQ (Régie de l’assurance maladie du Québec), SAAQ (auto insurance / accident benefits), CNESST (workplace injury), IVAC (crime victims).
Workers’ compensation (other provinces)
WSIB Ontario, WorkSafeBC, WCB Alberta, WCB Saskatchewan, WCB Manitoba, WorkSafeNB, WCB Nova Scotia, WCB PEI, WorkplaceNL, WSCC (NWT / Nunavut), YWCHSB (Yukon).
Provincial assistive-device programs
Ontario ADP, Alberta AADL, Saskatchewan SAIL, Manitoba Health Equipment Distribution, BC At Home Program / PharmaCare, Nova Scotia SEED & ACAP, New Brunswick Health Services, Newfoundland Special Assistance Program, PEI Home Oxygen & Medical Supplies, Yukon Medical Travel & Chronic Disease Program.
Federal programs
Veterans Affairs Canada (VAC, administered by Medavie Blue Cross), Non-Insured Health Benefits (NIHB, First Nations & Inuit), Interim Federal Health Program (IFHP, refugees & protected persons), RCMP Health Services.
Don’t see your insurer or program? Submit the form below — the list above covers most Canadian plans but we regularly bill others.
How Direct Billing Works
- You submit the form with your insurance details.
- We verify coverage and confirm what’s reimbursable.
- You approve and order — we send you the invoice and list of eligible products.
- We bill your insurer directly (where the plan allows Assignment of Benefits) and ship your order.
- You pay only the portion your insurer doesn’t cover, if any.
What You’ll Need
- Insurer name and policy / contract / account number
- Cardholder information (if different from the patient)
- A prescription from a licensed healthcare provider (for most medical devices)
- Signed Assignment of Benefits form for direct billing (we’ll send it to you after verifying coverage)
Frequently Asked Questions
Is there a cost to check my coverage?
No. Submitting the form is free and there’s no obligation to order.
How long does verification take?
Most private insurers respond within one to three business days. Provincial and federal programs can take longer depending on the program.
Do I need a prescription?
Most insurers require a prescription for catheters, ostomy supplies, wheelchairs and similar medical devices. We’ll tell you exactly what’s needed after we verify your plan.
Can I use more than one benefit?
Often yes. If you have provincial or federal coverage plus private insurance, we’ll coordinate so your out-of-pocket cost is as low as possible.
I’m in Quebec — do you bill SAAQ / CNESST / RAMQ?
Yes. We work with SAAQ (auto insurance), CNESST (workplace injury), IVAC (crime victims) and RAMQ for covered supplies.
I’m a veteran — is my equipment covered?
Veterans Affairs Canada (administered through Medavie Blue Cross) covers a wide range of medical supplies for eligible veterans. Submit the form with your VAC client number and we’ll confirm.