10/23/2025
Insurance Fraud
It might seem innocent to ask your therapist to write your insurance receipt in someone else's name, or to bill your insurance for a missed appointment but you are asking them to commit insurance fraud. That is a serious offence.
Please know that an insurance receipt can only be given after the appointment, in the client's name, on the date they had it. 🙂
"I'm out of benefits but my husband still has some, can you put it through under his name?"
"My insurance only covers $40 per visit, can you run it through twice or as something different than what I booked so I can get more covered?"
"My friend really needs a massage but doesn't have coverage, can you just put it as my name?"
You may not be aware, but all of these scenarios are asking us to commit insurance fraud.
To answer the question, "is it really that bad?" - yeah, it is. It's unethical, and more importantly - illegal.
We're compassionate people in a compassionate industry; we're always empathetic when someone is in need and we're sad when you run out of coverage too. If you ask us to do any of the above scenarios for you, and we do, here's what could happen:
•We as therapists could lose our ability to be able to direct bill.
•We could lose our association memberships/registration which allows us to provide insurance receipts at all.
•We could undergo criminal investigation and possibly be charged with fraud and lose our businesses.
•We could go to jail.
•You could lose the ability to ever have benefits again.
•You could be criminally investigated.
•You could have to go to court.
•You could go to jail.
•You could have to repay every false claim.
•If you used someone else's benefits or let them use yours, they could undergo the same.
Ignorance is not an excuse. Please don't ask us to commit fraud for you. If you do ask, we'll educate you on why that's not ok. If you ask repeatedly after we've educated you, you'll be asked not to return.
If you know any professionals accommodating these types of requests, report them here:
https://www.clhia.ca/