Yes - IFHP requires a referral from a physician or nurse practitioner for physiotherapy services. Bring the referral to your first visit (or send it to us securely beforehand).
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Refugee Physiotherapy & IFHP Claims
Refugee Physiotherapy & IFHP Claims (Canada)
Simple claims - No surprises.
At Rapha Rehab, we make it easy for refugees and refugee claimants to access physiotherapy using Canada’s Interim Federal Health Program (IFHP). We handle the paperwork, explain your coverage in plain language, and focus on what matters most - your recovery.
Who’s eligible under IFHP?
IFHP is temporary health coverage for people in Canada who aren’t yet eligible for provincial/territorial health insurance - this includes refugee claimants, protected persons and many resettled refugees. It’s a payer of last resort while you wait for provincial coverage.
Does IFHP cover physiotherapy?
Yes. IFHP’s Supplemental Coverage includes physiotherapy, along with other allied health services. For physiotherapy, the official benefit grid specifies:
- Initial assessment (in-clinic): 1 per calendar year
- Subsequent physiotherapy visits (in-clinic): up to 12 per calendar year
- Home-based physio: available when a client can’t attend a clinic and shows clinical need (e.g., significant mobility impairment), with specific criteria noted in the grid
- Medical referral: services require a referral from a physician or nurse practitioner
- Fees/limits: reimbursed to the clinic per provincial fee schedule set out in the grid
We arrange any prior approval the grid requires before treatment begins.
Why this matters: you get a clear number of covered visits and no out-of-pocket surprises for approved services.
How IFHP claims work at Rapha Rehab (so it’s easy for you)?
- IFHP eligibility document (with your UCI/Client ID and valid coverage dates)
- A doctor or nurse practitioner referral for physiotherapy (we can help you understand what’s needed)
- We verify your eligibility & benefits
IFHP is administered by Medavie Blue Cross. Our team confirms your coverage and handles provider billing directly with them.
- We obtain any required approvals
Some services have visit limits and prior-approval rules. We submit what’s needed so your care is authorized before you start.
- Start your care - no upfront cost for approved services
You focus on recovery. We direct the IFHP bill for covered treatments. (If something isn’t covered, we’ll tell you in advance so you can decide.)
What your treatment includes?
- A 45-60 minute initial visit with assessment, goal setting, and a simple home program
- Evidence-based hands-on care (manual therapy, mobility work) and targeted exercise
- Education on posture, safe activity, and self-care strategies
- Progress reviews and reporting that align with IFHP documentation requirements (so your visits remain covered)
Faq's
Frequently Asked Questions
Do I need a referral?
How many physio sessions are covered?
Typically 1 initial assessment + up to 12 in-clinic treatment visits per calendar year. We’ll review your case and handle any approvals for home visits when medically necessary.
What if I can’t come to the clinic?
When a client cannot attend in person and shows clinical signs of deterioration or impairment, home-based physiotherapy may be covered under IFHP criteria. We’ll assess and request approval where applicable.
What happens when I get provincial coverage (like OHIP)?
IFHP is temporary. Once you’re eligible for a provincial plan, that plan becomes your primary coverage. We’ll help you transition smoothly.
What to bring to your first appointment?
- Your IFHP eligibility document (with UCI)
- Photo ID (if you have it)
- Physiotherapy referral from an MD or NP
- Any medical reports (imaging, hospital notes) that may help us tailor your care.
Why choose Rapha Rehab for IFHP-covered care?
- Welcoming & culturally sensitive: trauma-informed, dignity-first care
- Direct billing & paperwork handled: we manage Medavie Blue Cross claims for you
- Clear communication: visit limits, approvals, and coverage are explained upfront
- Results-focused rehab: practical goals, home programs, and steady progress tracking.
Blue Cross: Trusted Partner in Refugee Health Coverage
The Interim Federal Health Program (IFHP) is administered through Medavie Blue Cross, one of Canada’s leading health insurance providers. Their role is to process claims, reimburse clinics, and ensure refugee clients receive timely access to covered services like physiotherapy.
At Rapha Rehab, we work directly with Blue Cross to verify eligibility, obtain approvals, and bill services on your behalf - so you don’t have to worry about navigating insurance paperwork. This partnership allows us to focus on your healing, while Blue Cross ensures that your care is supported and covered.
Need help with a referral or paperwork? Message us - we’ll guide you step by step.
Payment & Insurance at Rapha Rehab Physiotherapy
At Rapha Rehab, we want your recovery journey to be smooth and worry-free. That’s why we make payment and insurance simple for everyone - whether you have a private health plan, coverage through work or auto insurance, or you are a refugee supported by the Interim Federal Health Program (IFHP).
- In case if you are injured in a motor vehicle accident (MVA), the auto insurance covers the cost of the treatment.
- Please get in touch with rapharehab Physiotherapy clinic etobicoke for assistance to know about your coverage.
- We Accept Cash/Cheque/Visa/Direct Payment.
Coverage Options We Accept
For the General Public
- Extended Health Insurance Plans - Most private insurance providers cover physiotherapy, massage, chiropractic, acupuncture, and related services.
- Workplace Injuries (WSIB) - If you’ve been hurt on the job, we accept WSIB claims for physiotherapy and rehab.
- Motor Vehicle Accident (MVA) Insurance - If your injury is from a car accident, your auto insurer may cover the cost of your treatments.
For Refugees
- IFHP (Interim Federal Health Program) - Refugee claimants, protected persons, and resettled refugees may receive physiotherapy coverage under IFHP.
- IFHP is administered by Medavie Blue Cross, which means we bill them directly - so you don’t need to worry about out-of-pocket costs for approved services.
- Coverage usually includes an initial physiotherapy assessment and up to 12 treatment visits per year, with additional home visits available in special cases.
- A referral from a physician or nurse practitioner is required for physiotherapy services under IFHP.
How Billing & Payments Work
| Step | For General Patients | For Refugee Patients |
|---|---|---|
| 1. Check Coverage | Bring your insurance card or policy details. We’ll confirm your coverage. | Bring your IFHP eligibility document (with UCI number) and a doctor’s referral. |
| 2. Verification | We confirm benefits with your private insurer, WSIB, or auto insurance. | We verify IFHP eligibility and confirm coverage with Medavie Blue Cross. |
| 3. Direct Billing | We directly bill many insurers, WSIB, and auto insurers. | We bill Medavie Blue Cross directly for covered services. |
| 4. Out-of-Pocket Costs | If your plan doesn’t fully cover a service, we’ll explain the cost upfront. | If a service isn’t covered, we’ll let you know in advance so there are no surprises. |
What To Bring To Your First Appointment?
General Patients:
- Insurance card or plan details
- Doctor’s referral (if required by your insurer)
- Any medical reports, X-rays, or imaging related to your condition
Refugee Patients:
- IFHP eligibility document with UCI number
- Physician or nurse practitioner referral for physiotherapy
- Photo ID (if available)
- Any hospital or medical notes that may help guide your care
Why Choose Rapha Rehab?
- Stress-free insurance process - we verify, submit, and track claims so you don’t have to.
- Direct billing available - for private plans, WSIB, auto insurance, and IFHP/Blue Cross.
- Clear communication - we explain coverage, visit limits, and approvals upfront.
- Inclusive care for all - whether you’re a local patient or a newcomer to Canada, you’ll receive the same compassionate, high-quality physiotherapy.
Our team will review your insurance or IFHP eligibility and guide you through every step of the process.