03/10/2026
Did you know you might have hundreds (or even thousands) of dollars sitting in a hidden account, specifically meant for your mental health? 🧠💸
Here in Ontario, it’s a common misconception that therapy is either entirely covered by OHIP (it rarely is for standard psychotherapy) or completely out-of-pocket.
The reality? If you have a full-time job or belong to a student union, there is a very high chance you have private health benefits (like Sun Life, Manulife, Canada Life, Green Shield, etc.) that cover therapy!
But the system can be confusing, so here is your step-by-step guide to finding your "hidden therapy fund":
🔍 Step 1: Log in to your benefits portal. Look for the section called "Paramedical Services," "Health & Vision," or specifically "Mental Health Practitioners."
📑 Step 2: Check the exact titles covered. Look for terms like "Registered Psychotherapist (RP)" or "Registered Social Worker (RSW)." (Good news: VMA Psych has professionals with these exact designations so you can get covered!)
🗓️ Step 3: Check your maximums. See how much you get per session and your total for the year. Remember, these benefits usually reset every January 1st. If you don't use them, you lose them.
Therapy is an investment, but it doesn't always have to come out of your own pocket. You earned those benefits—it's time to actually use them to support your well-being.
💬 Have you checked your health benefits lately? If you aren't sure how to match your coverage with a therapist, send us a DM! We are here to help you navigate it. ✉️