"use client";

import Link from "next/link";
import { useState } from 'react';

export default function RefugeeIFHP() {

    const [isActive, setIsActive] = useState({
        status: false,
        key: 1,
    });

    const handleToggle = (key) => {
        if (isActive.key === key) {
            setIsActive({
                status: false,
            });
        } else {
            setIsActive({
                status: true,
                key,
            });
        }
    };

    return (
        <>
            <section className="solutions-section pb-0">
                <div className="auto-container">
                    <div className="content-box full-width">
                        <div className="sec-title mb_15">
                            <h2>Refugee Physiotherapy & IFHP Claims (Canada)</h2>
                            <h3 className="mt-3">
                                <strong>Simple claims – No surprises.</strong>
                            </h3>
                        </div>

                        <div className="mb_30">
                            <p className="mb-3">
                                At Rapharehab, we make it easy for refugees and refugee claimants to access physiotherapy through Canada’s Interim Federal Health Program (IFHP). We take care of the paperwork, explain your coverage clearly, and help you focus on what matters most - your recovery.
                            </p>
                            <div className="btn-box mt-4">
                                <Link href="/contact" className="theme-btn btn-one" aria-label="Booke your IFHP-Covered visit "><span>Book Your IFHP-Covered Visit</span></Link>
                            </div>
                        </div>

                        <div className=" mb_30">
                            <h3 className="recuression mb-3">Who’s eligible under IFHP?</h3>
                            <p>
                                IFHP provides temporary health coverage for individuals in Canada who are not yet eligible for provincial or territorial insurance. This includes refugee claimants, protected persons, and many resettled refugees. It acts as a payer of last resort while you wait for your provincial coverage.
                            </p>
                        </div>

                        <div className=" mb_30">
                            <h3 className="recuression mb-3">Does IFHP cover physiotherapy?</h3>
                            <p>
                                Yes. IFHP’s Supplemental Coverage includes physiotherapy and other allied health services. According to the official benefit grid, physiotherapy coverage includes:
                            </p>
                            <ul className="list-style-one clearfix mt-3">
                                <li>
                                    <b>Initial assessment (in-clinic):</b> 1 per calendar year
                                </li>
                                <li>
                                    <b>Subsequent physiotherapy visits (in-clinic):</b> up to 12 per calendar year
                                </li>
                                <li>
                                    <b>Home-based physiotherapy:</b> available when a client cannot attend a clinic and has a clinically demonstrated need (e.g., significant mobility impairment) as defined in the grid
                                </li>
                                <li>
                                    <b>Medical referral:</b> a referral from a physician or nurse practitioner is required
                                </li>
                                <li>
                                    <b>Fees/limits:</b> services are reimbursed to the clinic based on the provincial fee schedule listed in the grid
                                </li>
                            </ul>
                            <p className="mt-3 mb-3">
                                We handle all required prior approvals before treatment begins.
                            </p>
                            <p>
                                <strong>
                                    Why this matters: you receive a clear count of covered visits and zero out-of-pocket costs for all approved treatments.
                                </strong>
                            </p>
                        </div>

                        <div className="row mt-5">
                            <div className="col-lg-6 col-md-6 col-sm-12 mb_30">
                                <h3 className=" recuression mb-4 ">How IFHP claims work at Rapharehab (so it’s easy for you)</h3>
                                <ul className="list-style-one clearfix mt-3">
                                    <li>
                                        <b>IFHP eligibility document</b> (with your UCI/Client ID and valid coverage dates)
                                    </li>
                                    <li>
                                        <b>A doctor or nurse practitioner referral for physiotherapy</b>
                                        (We can guide you on what referral you need.)
                                    </li>
                                    <li>
                                        <strong>We verify your eligibility & benefits</strong>
                                        <p>

                                            IFHP is administered by Medavie Blue Cross. Our team confirms your coverage and bills the insurer directly on your behalf.
                                        </p>
                                    </li>
                                    <li>
                                        <strong>We obtain any required approvals</strong>
                                        <p>

                                            Some services have limits or need prior approval. We submit everything needed so your treatment is authorized before you begin.
                                        </p>
                                    </li>
                                    <li>
                                        <strong>Start your care – no upfront cost for approved services</strong>
                                        <p>

                                            You focus on recovery. We bill IFHP for approved visits. (If a service isn’t covered, we tell you upfront so you can decide.)
                                        </p>
                                    </li>
                                </ul>
                            </div>
                            <div className="col-lg-6 col-md-6 col-sm-12 mb_30">
                                <h3 className="recuression">What your treatment includes</h3>
                                <ul className="list-style-one clearfix mt-3">
                                    <li>
                                        <b>A 45–60 minute initial appointment</b> with assessment, goal setting, and a simple home program.
                                    </li>
                                    <li>
                                        <b> Evidence-based hands-on care</b> (manual therapy, mobility work) plus targeted exercise.
                                    </li>
                                    <li>
                                        <b>Education on posture, activity, and self-care strategies</b> to support your recovery.
                                    </li>
                                    <li>
                                        <b>Progress reviews and documentation</b> that meet IFHP requirements
                                        (so your ongoing visits remain covered).
                                    </li>
                                </ul>
                            </div>
                        </div>


                        <div className="content-column mb-5">
                            <div className="sec-title mb_30">
                                <span className="sub-title">Faq's</span>
                                <h3 className="recuression">Frequently Asked Questions</h3>
                            </div>
                            <div className="content-box">
                                <ul className="accordion-box">
                                    <li className="accordion block">
                                        <div
                                            className={isActive.key === 1 ? "acc-btn active" : "acc-btn"}
                                            onClick={() => handleToggle(1)}
                                        >
                                            <div className="icon-box"><i className="icon-34"></i></div>
                                            <h3 className="recuression">Do I need a referral?</h3>
                                        </div>
                                        <div className={isActive.key === 1 ? "acc-content current" : "acc-content"}>
                                            <div className="content">
                                                <div className="text">
                                                    <p>
                                                        Most IFHP clients <b>do require a referral</b> from a doctor or nurse practitioner.
                                                        If you’re unsure what you need, we’ll guide you through the process.
                                                    </p>
                                                </div>
                                            </div>
                                        </div>
                                    </li>

                                    <li className="accordion block">
                                        <div
                                            className={isActive.key === 2 ? "acc-btn active" : "acc-btn"}
                                            onClick={() => handleToggle(2)}
                                        >
                                            <div className="icon-box"><i className="icon-34"></i></div>
                                            <h3 className="recuression">How many physio sessions are covered?</h3>
                                        </div>
                                        <div className={isActive.key === 2 ? "acc-content current" : "acc-content"}>
                                            <div className="content">
                                                <div className="text">
                                                    <p>
                                                        IFHP generally covers <b>1 initial assessment + up to 12 follow-up sessions per year</b>, based on the official IFHP benefit grid.
                                                        Coverage varies, but we confirm your exact benefits for you.
                                                    </p>
                                                </div>
                                            </div>
                                        </div>
                                    </li>

                                    {/* FAQ 3 */}
                                    <li className="accordion block">
                                        <div
                                            className={isActive.key === 3 ? "acc-btn active" : "acc-btn"}
                                            onClick={() => handleToggle(3)}
                                        >
                                            <div className="icon-box"><i className="icon-34"></i></div>
                                            <h3>What if I can’t come to the clinic?</h3>
                                        </div>
                                        <div className={isActive.key === 3 ? "acc-content current" : "acc-content"}>
                                            <div className="content">
                                                <div className="text">
                                                    <p>
                                                        If you cannot attend the clinic due to mobility or medical challenges, IFHP may allow <b>home-based physiotherapy</b> when criteria are met.
                                                        We help check eligibility and arrange visits if approved.
                                                    </p>
                                                </div>
                                            </div>
                                        </div>
                                    </li>

                                    {/* FAQ 4 */}
                                    <li className="accordion block">
                                        <div
                                            className={isActive.key === 4 ? "acc-btn active" : "acc-btn"}
                                            onClick={() => handleToggle(4)}
                                        >
                                            <div className="icon-box"><i className="icon-34"></i></div>
                                            <h3>What happens when I get provincial coverage (like OHIP)?</h3>
                                        </div>
                                        <div className={isActive.key === 4 ? "acc-content current" : "acc-content"}>
                                            <div className="content">
                                                <div className="text">
                                                    <p>
                                                        Once you receive provincial coverage such as OHIP, your IFHP physiotherapy benefits stop.
                                                        We will guide you on switching to the correct insurance or payment option.
                                                    </p>
                                                </div>
                                            </div>
                                        </div>
                                    </li>

                                </ul>
                            </div>
                        </div>

                        <div className="row">
                            {/* Left Column */}
                            <div className="col-lg-6 col-md-6 col-sm-12 mb_0 mt-3">
                                <h3 className="mb-3">What to bring to your first appointment?</h3>
                                <ul className="list-style-one clearfix mt-3">
                                    <li>Your IFHP eligibility document (with UCI)</li>
                                    <li>Photo ID (if available)</li>
                                    <li>Physiotherapy referral from an MD or NP</li>
                                    <li>
                                        Any medical reports (imaging, hospital notes, etc.) that can help us tailor your care
                                    </li>
                                </ul>
                            </div>

                            {/* Right Column */}
                            <div className="col-lg-6 col-md-6 col-sm-12 mb_30 mt-3">
                                <h3>Why choose Rapharehab for IFHP-covered care?</h3>
                                <ul className="list-style-one clearfix mt-3">
                                    <li>
                                        <strong>Welcoming & culturally sensitive:</strong>{" "}
                                        trauma-informed, dignity-focused support
                                    </li>
                                    <li>
                                        <strong>Direct billing & paperwork handled:</strong> we manage all Medavie Blue Cross claims
                                    </li>
                                    <li>
                                        <strong>Clear communication:</strong> visit limits, approvals, and coverage explained clearly
                                    </li>
                                    <li>
                                        <strong>Results-focused rehab:</strong> practical goals, home programs, and consistent progress tracking
                                    </li>
                                </ul>
                            </div>
                        </div>


                        <div className=" mb_30">
                            <h3 className="mb-3">Blue Cross: Trusted Partner in Refugee Health Coverage</h3>
                            <p>
                                The Interim Federal Health Program (IFHP) is administered through Medavie Blue Cross, one of Canada’s leading health insurance providers. Their role is to process claims, reimburse clinics, and ensure refugee clients receive timely access to covered services such as physiotherapy.
                            </p>
                            <p>
                                At Rapharehab, we work directly with Blue Cross to verify your eligibility, manage approvals, and bill services on your behalf - so you don’t have to navigate complex insurance paperwork. This partnership lets us focus on your recovery while Blue Cross ensures your care is fully supported and covered.

                            </p>
                        </div>

                        <div className="mt-3">
                            <p className="mt-3">
                                Need help with paperwork or referrals? Contact us - we’ll guide you step by step.
                            </p>
                            <div className="btn-box mt-3">
                                <Link href="/contact" className="theme-btn btn-one" aria-label="Booke your IFHP-Covered visit"><span>Book Your IFHP-Covered Visit</span></Link>
                            </div>

                        </div>
                    </div>
                </div>
            </section>


            <section className="solutions-section  pb-4">
                <div className="auto-container">
                    <div className="row clearfix">
                        <div className="col-lg-6 col-md-12 col-sm-12 content-column">
                            <div className="content-box">
                                <div className="sec-title mb_15">
                                    <h2>Payment & Insurance at Rapharehab Physiotherapy</h2>
                                </div>
                                <div className="progress-inner mb_50">
                                    <p>At Rapharehab, we want your recovery journey to be smooth and stress-free. That’s why we make <b>payment and insurance</b> simple for everyone - whether you have a private health plan, workplace or auto insurance, or are a refugee supported by the <b>Interim Federal Health Program (IFHP)</b>.</p>
                                    <ul className="list-style-one clearfix mt-4">
                                        <li>In case you are injured in a motor vehicle accident (MVA),
                                            your auto insurance will cover the cost of your physiotherapy treatment.</li>
                                        <li>Please contact Rapharehab Physiotherapy in Etobicoke
                                            for assistance in understanding your insurance coverage and eligibility.
                                        </li>
                                        <li>We accept Cash / Cheque / Visa / Direct Payment.</li>
                                    </ul>
                                </div>
                            </div>
                        </div>
                        <div className="col-lg-6 col-md-12 col-sm-12 image-column">
                            <div className="image_block_two">
                                <div className="image-box">
                                    <figure className="image image-1-new"><img src="/assets/images/payment-insurance/back.webp" alt="Payment and Insurance" loading="lazy" /></figure>
                                    <figure className="image image-2-new"><img src="/assets/images/payment-insurance/front.webp" alt="Payment and Insurance" loading="lazy" /></figure>
                                    <div className="icon-box cart-icon"><img src="/assets/images/payment-insurance/icon.webp" alt="Payment and Insurance" loading="lazy" /></div>
                                </div>
                            </div>
                        </div>
                    </div>
                </div>
            </section>


            <section className="solutions-section pt-5">
                <div className="auto-container">
                    <div className="row clearfix">
                        <div className="col-lg-12 col-md-12 col-sm-12 content-column">
                            <div className="content-box">
                                <div className="mb_30">
                                    <h3>Coverage Options We Accept</h3>
                                    <h4 className="mt-3 mb-3">For the General Public</h4>
                                    <ul className="list-style-one clearfix mt-2">
                                        <li>
                                            <b>Extended Health Insurance Plans</b> - Most private insurance providers offer coverage for physiotherapy, massage therapy, chiropractic care, acupuncture, and related rehabilitation services.
                                        </li>
                                        <li>
                                            <b> Workplace Injuries (WSIB)</b> - If you were injured at work, we accept WSIB claims for physiotherapy and rehabilitation treatments.
                                        </li>
                                        <li>
                                            <b>Motor Vehicle Accident (MVA) Insurance</b> - If your injury is the result of a car accident, your auto insurer may cover the full cost of your physiotherapy care.
                                        </li>
                                    </ul>

                                    <h4 className="mt-4 mb-3">For Refugees</h4>
                                    <ul className="list-style-one clearfix mt-2">
                                        <li>
                                            <b> IFHP (Interim Federal Health Program)</b> - Refugee claimants, protected persons, and resettled refugees may receive physiotherapy coverage through IFHP.
                                        </li>
                                        <li>
                                            <b> Direct Billing</b> -
                                            IFHP is administered by Medavie Blue Cross. We bill them directly—so you don’t have to worry about out-of-pocket expenses for approved services.

                                        </li>
                                        <li>
                                            <b>What’s Covered</b> -
                                            Coverage typically includes an initial physiotherapy assessment and up to 12 treatment visits per year, with additional home visits available in special circumstances.

                                        </li>
                                        <li>
                                            <b> Referral Requirement</b> -
                                            A referral from a physician or nurse practitioner is required for physiotherapy services under IFHP.

                                        </li>
                                    </ul>
                                </div>
                                <div className="mb_30 mt-5">
                                    <h3 className="mb-2">How Billing & Payments Work</h3>
                                    <div className="table-responsive billing-table">
                                        <table className="table table-bordered mt-3 billing-responsive-table">
                                            <thead>
                                                <tr>
                                                    <th>Step</th>
                                                    <th>For General Patients</th>
                                                    <th>For Refugee Patients</th>
                                                </tr>
                                            </thead>
                                            <tbody>
                                                <tr>
                                                    <td data-label="Step">1. Check Coverage</td>
                                                    <td data-label="For General Patients">
                                                        Bring your insurance card or policy details. We’ll confirm what your plan covers.
                                                    </td>
                                                    <td data-label="For Refugee Patients">
                                                        Bring your IFHP eligibility document (with UCI number) and a doctor’s referral.
                                                    </td>
                                                </tr>
                                                <tr>
                                                    <td data-label="Step">2. Verification</td>
                                                    <td data-label="For General Patients">
                                                        We confirm benefits with your private insurer, WSIB, or auto insurance provider.
                                                    </td>
                                                    <td data-label="For Refugee Patients">
                                                        We verify IFHP eligibility and confirm your coverage with Medavie Blue Cross.
                                                    </td>
                                                </tr>
                                                <tr>
                                                    <td data-label="Step">3. Direct Billing</td>
                                                    <td data-label="For General Patients">
                                                        We directly bill many private insurers, WSIB, and auto insurers.
                                                    </td>
                                                    <td data-label="For Refugee Patients">
                                                        We bill Medavie Blue Cross directly for all approved IFHP services.
                                                    </td>
                                                </tr>
                                                <tr>
                                                    <td data-label="Step">4. Out-of-Pocket Costs</td>
                                                    <td data-label="For General Patients">
                                                        If your insurance doesn’t fully cover a service, we’ll explain any costs upfront.
                                                    </td>
                                                    <td data-label="For Refugee Patients">
                                                        If a service isn’t covered, we’ll tell you in advance so there are no surprises.
                                                    </td>
                                                </tr>
                                            </tbody>
                                        </table>
                                    </div>

                                </div>

                                <div className="mb_30 mt-4">
                                    <h3>What To Bring To Your First Appointment</h3>
                                    <div className="row mt-3">
                                        <div className="col-lg-6 col-md-6 col-sm-12">
                                            <h4 className="mb-3">General Patients:</h4>
                                            <ul className="list-style-one clearfix mt-2">
                                                <li>Insurance card or plan details</li>
                                                <li>Doctor’s referral (if required by your insurer)</li>
                                                <li>
                                                    Any medical reports, X-rays, or imaging related to your condition
                                                </li>
                                            </ul>
                                        </div>
                                        <div className="col-lg-6 col-md-6 col-sm-12">
                                            <h4 className="mb-3">Refugee Patients:</h4>
                                            <ul className="list-style-one clearfix mt-2">
                                                <li>IFHP eligibility document with UCI number</li>
                                                <li>
                                                    Physician or nurse practitioner referral for physiotherapy
                                                </li>
                                                <li>Photo ID (if available)</li>
                                                <li>
                                                    Any hospital or medical notes that may help guide your care
                                                </li>
                                            </ul>
                                        </div>
                                    </div>
                                </div>

                                <div className="mb_30">
                                    <h3 className="mb-3">Why Choose Rapharehab?</h3>
                                    <ul className="list-style-one clearfix mt-3">
                                        <li>
                                            <b>Stress-free insurance process</b> - we handle verification, submission, and claim tracking so you don’t have to.
                                        </li>
                                        <li>
                                            <b>Direct billing available</b> - for private insurance, WSIB, auto insurance, and IFHP/Blue Cross.
                                        </li>
                                        <li>
                                            <b>Clear communication</b> - coverage, visit limits, and approvals are explained upfront.
                                        </li>
                                        <li>
                                            <b>Inclusive care for all</b> - whether you’re a long-time resident or a newcomer to Canada, you’ll receive compassionate, high-quality physiotherapy.
                                        </li>
                                    </ul>
                                </div>

                                <div className="">
                                    <p>
                                        Our team will review your insurance or IFHP eligibility and support you through every step of the process.
                                    </p>
                                    <div className="btn-box mt-3 mb-4">
                                        <Link href="/contact" className="theme-btn btn-one" aria-label="Contact us to check your coverage "><span>Contact Us to check your coverage</span></Link>
                                    </div>

                                </div>
                            </div>
                        </div>
                    </div>
                </div>
            </section>

            <section className="about-style-three pb_90">
                <div className="auto-container">
                    <div className="row align-items-center clearfix">
                        <div className="col-lg-6 col-md-12 col-sm-12 image-column">
                            <div className="image_block_four">
                                <div className="image-box">
                                    <figure className="image">
                                        <img src="/assets/images/payment-insurance/payment-1.webp" alt="Education & Training" />
                                    </figure>
                                </div>
                            </div>
                        </div>
                        <div className="col-lg-6 col-md-12 col-sm-12 content-column">
                            <div className="content_block_one">
                                <div className="content-box">
                                    <div className="sec-title mb_25">
                                        <span className="sub-title mt-3">Payment & Insurance – Physiotherapy in Etobicoke</span>
                                        <h2>Payment & Insurance Options at Rapharehab – Etobicoke Physiotherapy Clinic</h2>
                                    </div>
                                    <div className="text-box">
                                        <p className="mt-3">At Rapharehab, we believe access to high-quality physiotherapy and rehabilitation services in Etobicoke should be simple, transparent, and stress-free. Whether you are recovering from a motor vehicle accident, workplace injury, sports injury, or surgery, our team is committed to making the financial process as smooth as your recovery journey.</p>
                                        <p className="mt-3">We proudly offer flexible payment options and direct billing services to accommodate the needs of patients across Etobicoke, Toronto, Mississauga, and the Greater Toronto Area.</p>
                                    </div>
                                </div>
                            </div>
                        </div>
                    </div>
                </div>
            </section>

            <section className="testimonial-style-two p_relative pt-0 pb_90">
                <div className="auto-container">
                    <div className="row align-items-center flex-row-reverse">
                        <div className="col-lg-6 col-md-12 col-sm-12 content-column order-1 order-lg-2">
                            <div className="content_block_one pr_30">
                                <div className="content-box">
                                    <div className="text-box mb_40">
                                        <ul className="list-style-one clearfix">

                                            <li>
                                                <b>Direct Insurance Billing Available</b> – We offer direct billing to most major insurance providers, reducing paperwork and out-of-pocket expenses. Our team verifies your benefits before your first appointment so you know exactly what to expect.
                                            </li>

                                            <li>
                                                <b>Extended Health Insurance Coverage</b> – Physiotherapy services are commonly covered under workplace insurance, corporate group benefits, private health plans, and family coverage policies. Coverage may include assessments, treatment sessions, manual therapy, and rehabilitation exercises.
                                            </li>

                                            <li>
                                                <b>Motor Vehicle Accident (MVA) Coverage</b> – If you were injured in a car accident, we assist with insurance claim documentation, treatment plan submissions, adjuster communication, and direct billing for approved claims. MVA coverage may include physiotherapy, massage therapy, rehabilitation exercises, and pain management.
                                            </li>

                                            <li>
                                                <b>Workplace Injury (WSIB) Claims</b> – We support patients with WSIB claims by working closely with case managers, employers, and physicians. Services include functional ability reports, return-to-work planning, structured rehabilitation programs, and direct WSIB billing.
                                            </li>

                                            <li>
                                                <b>Affordable Self-Pay & Flexible Payment Options</b> – We provide transparent pricing with no hidden fees. Payment methods include debit, credit cards, e-transfers, and cash. We believe physiotherapy should be accessible and offer cost-effective treatment plans tailored to your needs.
                                            </li>

                                            <li>
                                                <b>Transparent Pricing & Investment in Your Health</b> – You will always know your treatment costs, insurance coverage, and any out-of-pocket expenses. Physiotherapy is an investment in long-term mobility, pain reduction, injury prevention, improved performance, and better quality of life.
                                            </li>

                                        </ul>
                                    </div>
                                </div>
                            </div>
                        </div>
                        <div className="col-lg-6 col-md-12 col-sm-12 image-column">
                            <div className="image_block_four">
                                <div className="image-box">
                                    <figure className="image mb-3">
                                        <img src="/assets/images/payment-insurance/payment-2.webp" alt="Education & Training" />
                                    </figure>
                                </div>
                            </div>
                        </div>
                    </div>
                </div>
            </section>

        </>
    );
}
