Insurance · RMT receipts
Using your insurance for massage therapy
OHIP does not cover registered massage therapy, but most extended (private) health plans do. Mirek Werykowicz, RMT provides an official receipt with his CMTO registration number after every session, which you submit to your plan or Health Spending Account for possible reimbursement. He does not direct-bill.
How reimbursement works
- 1
Pay at your appointment
You pay Mirek directly by cash or e-transfer at the end of the session.
- 2
Get your official RMT receipt
He gives you an official receipt showing his CMTO registration number and the fee paid.
- 3
Submit it to your plan
You send the receipt to your extended health plan or Health Spending Account to claim reimbursement under your coverage.
This is a receipt for reimbursement, not direct billing. You pay first and claim it back from your plan, according to your coverage. See pricing for current rates.
What your receipt includes
- The date of your appointment
- Your name
- Mirek's name and CMTO registration number
- The amount you paid
- His HST number
- A description of the service (massage therapy)
- Mirek's signature
Worth checking with your plan
- Your annual maximum for massage therapy (often somewhere between $300 and $1,000)
- Whether each visit is capped, or covered as a percentage of the fee
- Whether a doctor’s note or referral is required first
- Whether massage shares a limit with other services such as physiotherapy or chiropractic
Insurance questions
Does OHIP cover massage therapy?
No. OHIP, Ontario’s public health plan, does not cover registered massage therapy. Coverage usually comes from a private or extended health benefit plan through your employer or an individual policy, or from a Health Spending Account. Mirek provides an official RMT receipt so you can claim through whichever plan you have.
What kind of massage is covered by insurance?
Coverage depends on who provides the massage, not the technique. To be eligible, plans that include massage therapy generally require that the treatment is provided by a Registered Massage Therapist and that the receipt shows their CMTO registration number. Deep tissue, Swedish, therapeutic and the other styles Mirek offers all qualify the same way.
Do you offer direct billing?
No. Mirek works on a reimbursement basis: you pay at the appointment by cash or e-transfer, and he gives you an official RMT receipt right away. You then submit that receipt to your insurer or Health Spending Account, and they reimburse you according to your plan.
Do I need a doctor’s note for massage therapy?
It depends on your plan. Many extended health plans reimburse RMT massage without any referral, but some, often older group policies, ask for a doctor’s note first. It is worth checking your benefits booklet or calling your insurer before your appointment so you know what they need.
How much will my insurance pay for massage?
That varies a lot by plan. Many plans set an annual maximum for massage therapy, often somewhere between $300 and $1,000, and may cover a percentage of each visit or share the limit with other paramedical services. Check your plan for the exact amount, any per-visit cap, and any deductible.
Can I use a Health Spending Account (HSA) for massage?
Usually, yes. Health Spending Accounts and similar employer accounts generally treat registered massage therapy as an eligible expense, claimed with your official RMT receipt. They can be useful for costs beyond your regular plan’s annual maximum. Confirm the details with your account administrator.
Will my receipt be accepted by my insurer?
Mirek’s receipt is a standard official RMT receipt showing his name, CMTO registration number, the date, the amount paid and his HST number, which is what insurers and Health Spending Accounts typically look for. If your plan needs anything specific added, just let him know.
Have a question about your coverage?
Call or text Mirek; he is happy to make sure your receipt has what your plan needs.