Understanding Your Coverage (OHIP vs. Private Insurance)

了解您的保额（公共医疗与私人保险）

In Ontario, Registered Massage Therapy (RMT) and Acupuncture are not covered by OHIP. Instead, they are typically included in Extended Health Insurance provided by employers, schools, or private plans. 在安大略省，按摩和针灸不包括在 OHIP 免费医疗内，通常包含在雇主、学校或个人购买的 Extended Health Insurance 里。

Project Names & Tax Rules (报销项目与税务要求)

Registered Massage Therapy (RMT): Subject to HST. Note that the HST portion is generally reimbursable by your insurance. 按摩 (RMT)： 需要收取 HST，HST 部分通常可报销。
Registered Acupuncture (R.Ac): HST-Exempt. 针灸 (R.Ac)： 不需要收 HST。

How Much Can You Claim? (报销金额计算)

Your coverage depends on your specific insurance policy. Common structures include: 报销额度取决于您的具体保单，常见形式包括：

Itemized Limits: Separate caps for each service (e.g., $500 for Massage, $500 for Acupuncture). 分项额度： 按摩 500，针灸 500。
Combined Balance: A total pool for all services. 总额度： 所有项目混用一个总额。
Per-Visit Limits: A cap on the amount reimbursed per session (e.g., a $106 limit for a 1-hour session. If covered at 80%, you receive $106 * 0.8). 单次上限： 比如 1 小时项目最高报销 106 刀。

Two Ways to Get Reimbursed (报销方式)

1. Manual Submission (Manual Claims)

You pay the full amount upfront. We provide an official receipt containing the service name, price, date, practitioner’s name, license number, and signature. 最传统的方式。您先付全款，拿着我们提供的正规收据自行申报。

Pro Tip: If the practitioner is new or has changed locations, you can manually enter their license and clinic info into your insurance app. 小贴士： 如果 App 搜不到师傅，手动录入 License 和店家信息即可。

2. Direct Billing (We do it for you!)

We submit the claim on your behalf instantly. If you are covered at 100%, you pay nothing. If not, you only pay the remaining balance. 店家帮报。您只需支付保险不覆盖的差额。

Exceptions: Not all policies allow Direct Billing. Some (like certain Sun Life plans) may require customer submission, or they may pay the patient directly instead of the clinic. 注意： 并不是所有 Policy 都支持 Direct Billing。有的公司可能显示 “Pay to Clinic” 不可用，此时您仍需付全款，保险公司会将钱打回您的账户。

Important Notes (特别提醒)

Proof of Payment: Some providers (like GSC) may require a copy of your credit card receipt alongside the clinic receipt. 支付凭证： 像 GSC 这样的公司可能要求上传刷卡小票，请务必留存。
Doctor’s Referral (Medical Note): Many student plans and certain strict policies require a Doctor’s Note for the first claim of the year. This note is usually valid for one year. 医生纸 (Referral)： 多数学生保险要求每年第一次申报时上传医生纸。找家庭医生或 Walk-in 诊所开具即可。

Why Choose Yi Tuina for Your Insurance Needs?

为什么选择在 Yi Tuina 使用您的保险？

At Yi Tuina Wellness, we make insurance easy. We support Direct Billing for most major providers and ensure your receipts are 100% compliant with Ontario regulations. 在 Yi Tuina，我们为您简化报销流程。支持各大主流保险公司 Direct Billing，并确保收据完全符合安省法规。

Check your remaining balance and book your session in Markham today! 查看您的余额，立即预约万锦 RMT/针灸项目！

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Ontario Insurance Encyclopedia: How to Maximize Your RMT & Acupuncture Benefits 安省保险百科：如何高效使用您的按摩与针灸福利？