Frequently Asked Questions

Do I need a referral?

  • Some insurance companies require a referral; however, most do not. Please check with your individual provider to be sure. Some physicians and other professionals will refer to us, but it is not necessary for an appointment.

What age can I get a psychoeducational assessment completed for my child?

  • Our standardized testing allows us to test children ages 7 and up. Depending on the issue at hand, we may deem it too early to test as we need to be able to see academic achievement and learning issues over time. Early intervention is a huge priority; however we want to make sure we can give an accurate picture of the issue at hand.

What types of payments do you accept?

  • We accept cash, e-transfer, and all major credit cards. We are able to direct bill with some health care providers, please see our rates page for more information on this.

What is the difference between a Licensed Psychologist, Licensed Counselling Therapist, and Registered Social Worker?

  • Licensed Psychologists are able to provide psychotherapy services, as well as specific types of assessments and they are able to provide a diagnosis for a client. To become a licensed psychologist in New Brunswick, a person must have either PhD or Psy-D, they must also complete a provincial licensing examination.
  • Registered Social Workers are able to provide psychotherapy services. In order to provide psychotherapy services an RSW requires a minimum of a Bachelor of Social Work degree. At our clinic, however, an RSW must have completed a Masters in Social Work and the necessary clinical supervision hours for New Brunswick Association of Social Workers.
  • A Licensed Counselling Therapist is able to provide psychotherapy services. To become a licensed counselling therapist in New Brunswick, a person must have a Masters level degree in counselling psychology or related field, and go through the licensing process, involving clinical supervision hours with the College of Counselling Therapists of New Brunswick.

What do I need to know about using insurance to pay for therapy?

  • It is important to know how much coverage you have.  Your insurance provider can give you this information.  Questions to ask are:

    1. What types of clinicians (e.g. psychologists, licensed counselling therapists, social workers, interns…) do I have coverage for? (Note: insurance companies often call Licensed Counselling Therapists “clinical counsellors”.)

    2. Is there a maximum coverage amount (per year/lifetime)? If so, what is it?

    3. When does my insurance coverage ‘roll-over’ or ‘renew’?

    4. If I use up all my sessions/coverage but need more therapy what happens?

    5. Does insurance pay no-show or late cancel fees?

  • What do my insurance benefits cover?

    What is covered varies from plan to plan.  Plan coverage tends to be broken into two areas Dental Plans, and Extended Health Benefits.  Extended Health plans may cover a wide range of items, but are generally designed to offer coverage for services not included in universal health care (e.g. Medicare) like prescription drugs, hospital room upgrades, specialized nursing, out of country medical care, artificial limbs/prostheses/medical appliances, wheel chairs/walkers, vision care, Practitioner Services, etc. and funding amounts vary by category.  This means that if you use up all of your vision coverage to get a new pair of glasses this does not impact funding available for a hospital room upgrade or a wheelchair. 

    Services such as psychologist/licensed counselling therapist, chiropractors, physiotherapists, massage, podiatrists, osteopaths and optometrists fall under Practitioner Services.  Practitioner Services often draw on one or two pools of money for a group of services.  This means that if you use your benefits to see an osteopath, you may have less money remaining for psychology services, or to see a physiotherapist.  It is also good to note that sometimes therapy can be covered separately from assessments. You need to talk directly to your insurance provider to clarify these details.

  • Can you direct bill my insurer?


    We cannot check if your insurance plan covers a particular provider (psychologist, counsellor, social worker, intern). Only the plan member can find out what types of providers they are covered for.

    We can direct bill the following when individual plans allow: Blue Cross (Medavie, VAC, RCMP, CAF) for licensed psychologist (Psych), Licensed Counselling Therapist (LCT), and Registered Social Worker (Masters level – MSW); Canada Life, Chamber of Commerce, Johnston, GroupHEALTH for Psych and MSW only; Green Shield, Empire Life, MEDIC, RBC and SSQ for Psych, LCT, and MSW; NexGen and cooperators for Psych and MSW. This does not mean that other providers are not accepted under these plans, it means that we cannot direct bill for them. It also does not mean that your plan covers these designations so it is best to check the details of your plan.

    Occasionally a client will have an insurance plan with a company that we can normally direct bill an LCT for, but their specific plan does not allow for it because the employer did not select that feature when setting up the plan.  You can contact your employer and request they add LCTs and direct billing feature.  KV Psychology & Wellness Clinic will not know about restrictions on the plan until we attempt to bill the plan at the end of session.  It is up to the client to check with their insurance provider prior to the session to be sure their particular plan does not have these restrictions.

    While some insurance providers have a website that allows for direct billing for physiotherapists, dentists, etc., the insurance company may have chosen to not allow psychologists to direct bill. This is a decision made by the insurance company. Until they receive enough requests to “turn on” direct billing for psychologists, no psychologist or mental health therapist can direct bill these companies. KV Psychology & Wellness Clinic clinicians will direct bill clients of these insurance companies as soon as these insurance companies allow us to do so.  In the meantime, we provide our clients with a receipt at the end of each session that will allow you to seek reimbursement from your insurance provider.

  • What if my insurance doesn’t cover the entire session cost?

    Clients without 100% coverage for their direct billed service will need to pay the balance outstanding at the time of service. 

  • What if I find out later my insurance doesn’t cover the type of therapist that I saw?

    Sessions provided to clients who later find out their insurance does not cover that provider will not be reimbursed. Before attending any therapy session, please check that your insurance covers the provider you are booked with.

    If you want to know which type of clinician can direct bill, or are covered by a your individual plan – please call your insurance provider.

    It is up to the client to know what providers their insurance covers, how much coverage they have per session, per year, and when the benefits will be renewed.

  • What kind of therapists can direct bill insurers?

    Which type of clinician is allowed to direct bill is entirely at the discretion of the insurance provider.  We do not know why the insurance company reimburses clients for services when the client submit the invoice, but denies clinicians a direct billing option. Our clinicians are happy to direct bill if the insurance company give us the opportunity to do so.  When we cannot direct bill we provide the client with a receipt they can use to claim reimbursement from their insurance provider.  

    It is up to the client to know if your insurance plan covers therapists with your clinician’s professional designation.

    Not every insurer covers every type of mental health therapist. 

  • Will insurance pay for a no-show or late cancel fee?

    Insurance providers rarely pay late cancel or no-show fees.  Missed sessions must be paid for by the client.

Do I have to attend in person?

  • Most of our therapists provide video or phone counselling.

Can I bring a support person with me?

  • If bringing a support person with you will allow you to come to therapy sessions, absolutely you can bring a support person with you for as long as you need to.

How effective can therapy be if my child is unwilling to participate?

  • Clinician’s are trained to work with resistant clients; however, there may come a time in treatment when the unwillingness is determined to be too detrimental to therapeutic progress.

I know one of the therapists from my community, can I see that person for therapy or an assessment?

  • It is best to avoid creating what’s called a “dual relationship”, where the clinician has two different relationships with the client.

If you still have questions, please contact us, we’d be happy to help!


KV Psychology & Wellness Clinic offers a full range of therapy services.

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We offer a wide range of testing services at KV Psychology & Wellness Clinic. Assessments are completed by Licensed Psychologists.

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NeurOptimal® Neurofeedback

We are so proud to offer NeurOptimal® neurofeedback at our clinic. Developed by two Clinical Psychologists, NeurOptimal® is a type of neurofeedback that is used to help train the brain to function at its best.

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