Coverage & billing

Your benefits,
working as hard as you do.

First-responder plans are often stronger than people realize — across physical and mental health alike. Here is how to understand yours and put it to work at FrontlineDNA.

Book an assessment Common questions

What's typically covered

Coverage across all four pillars

Exact amounts depend on your plan and plan year. These are the categories members usually look at first — and we check the details with you before you start.

Physiotherapy & chiropractic

Assessment and treatment for injuries, pain, and mobility — commonly covered under extended health with per-visit or annual limits.

Psychology & psychotherapy

Sessions with psychologists and registered psychotherapists — often with meaningful annual limits for sworn members and families.

Massage & stretch therapy

Registered massage therapy and fascial stretch therapy are standard inclusions in most first-responder plans.

OSI & trauma pathways

Many plans recognize operational stress injuries. We help you understand which pathway applies and what documentation you need.

How billing works

Less paperwork. More care.

You should not have to be a claims expert to use your own benefits. We handle the mechanics so you can focus on getting better.

Direct billing

We bill most major insurers directly at the time of your visit. You pay only what your plan does not cover.

WSIB & MVA claims

Workplace and motor-vehicle injuries come with their own processes. We manage the paperwork and treatment plans properly.

Household check

Spouses and dependents are often covered under the same plan. Bring one benefits card and we map the whole household.

Step 1Bring your benefits card or plan booklet to your first visit — or send us the details ahead of time

Step 2We confirm coverage and flag any referral requirements before treatment starts

Step 3Direct billing where available; clear receipts when it is not

AlwaysYour employer sees a claim amount at most — never your clinical details

Using benefits is not disclosure

Reimbursement runs through your insurer. Your service, division, and chain of command never receive session notes or treatment details.

Book an assessment

Straight answers

Benefits questions

Do I need a doctor's referral?

Usually not. Most physiotherapy, psychology, and psychotherapy services do not require a referral. Some plans ask for one for specific services — we check before you start so there are no surprises.

Does my employer see what I claim?

No. Claims go to your insurer, not your employer. At most, a plan administrator sees anonymized totals. Clinical details stay between you and your care team.

What if I have used some of my coverage already this year?

We help you map what is left and sequence care across disciplines so you get the most from your plan year — for example, coordinating physio and mental health visits against separate coverage buckets.

Is my family covered too?

Often yes. Most first-responder plans extend to spouses and dependents, sometimes with their own annual limits. We check the whole household from one benefits card.

What about WSIB or an MVA claim?

Both are handled outside your extended health benefits, with their own approved treatment plans. We manage the documentation and keep your care moving while claims process.