"use client";

import Link from "next/link";
import Layout from "@/components/layout/Layout";
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 (
        <>
            <Layout
                headerStyle={1}
                footerStyle={1}
                breadcrumbTitle="Refugee Physiotherapy & IFHP Claims"
                bannerImage="/assets/images/payment-insurance/payment-banner.webp"
            >
                <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>
                                <h4 className="mt-3">
                                    <strong>Simple claims - No surprises.</strong>
                                </h4>
                            </div>

                            <div className="mb_30">
                                <p className="mb-3">
                                    At Rapha Rehab, we make it easy for refugees and refugee
                                    claimants to access physiotherapy using Canada’s Interim
                                    Federal Health Program (IFHP). We handle the paperwork, explain
                                    your coverage in plain language, and focus on what matters
                                    most - your recovery.
                                </p>
                                <div className="btn-box mt-4">
                                    <Link href="/contact" className="theme-btn btn-one"><span>Book Your IFHP-Covered Visit</span></Link>
                                </div>
                            </div>

                            <div className=" mb_30">
                                <h4 className="mb-3">Who’s eligible under IFHP?</h4>
                                <p>
                                    IFHP is temporary health coverage for people in Canada who
                                    aren’t yet eligible for provincial/territorial health insurance
                                    - this includes refugee claimants, protected persons and many
                                    resettled refugees. It’s a payer of last resort while you wait
                                    for provincial coverage.
                                </p>
                            </div>

                            <div className=" mb_30">
                                <h4 className="mb-3">Does IFHP cover physiotherapy?</h4>
                                <p>
                                    Yes. IFHP’s Supplemental Coverage includes physiotherapy, along
                                    with other allied health services. For physiotherapy, the
                                    official benefit grid specifies:
                                </p>
                                <ul className="list-style-one clearfix mt-3">
                                    <li>
                                        Initial assessment (in-clinic): 1 per calendar year
                                    </li>
                                    <li>
                                        Subsequent physiotherapy visits (in-clinic): up to 12 per
                                        calendar year
                                    </li>
                                    <li>
                                        Home-based physio: available when a client can’t attend a
                                        clinic and shows clinical need (e.g., significant mobility
                                        impairment), with specific criteria noted in the grid
                                    </li>
                                    <li>
                                        Medical referral: services require a referral from a
                                        physician or nurse practitioner
                                    </li>
                                    <li>
                                        Fees/limits: reimbursed to the clinic per provincial fee
                                        schedule set out in the grid
                                    </li>
                                </ul>
                                <p className="mt-3 mb-3">
                                    We arrange any prior approval the grid requires before
                                    treatment begins.
                                </p>
                                <p>
                                    <strong>
                                        Why this matters: you get a clear number of covered visits
                                        and no out-of-pocket surprises for approved services.
                                    </strong>
                                </p>
                            </div>

                            <div className="row mt-5">
                                <div className="col-lg-6 col-md-6 col-sm-12 mb_30">
                                    <h4 className="mb-4">How IFHP claims work at Rapha Rehab (so it’s easy for you)?</h4>
                                    <ul className="list-style-one clearfix mt-3">
                                        <li>
                                            IFHP eligibility document (with your UCI/Client ID and valid coverage dates)
                                        </li>
                                        <li>
                                            A doctor or nurse practitioner referral for physiotherapy (we can help you understand what’s needed)
                                        </li>
                                        <li>
                                            <strong>We verify your eligibility & benefits</strong>
                                            <p>
                                                IFHP is administered by Medavie Blue Cross. Our team confirms your coverage and handles provider billing directly with them.
                                            </p>
                                        </li>
                                        <li>
                                            <strong>We obtain any required approvals</strong>
                                            <p>
                                                Some services have visit limits and prior-approval rules. We submit what’s needed so your care is authorized before you start.
                                            </p>
                                        </li>
                                        <li>
                                            <strong>Start your care - no upfront cost for approved services</strong>
                                            <p>
                                                You focus on recovery. We direct the IFHP bill for covered treatments. (If something isn’t covered, we’ll tell you in advance so you can decide.)
                                            </p>
                                        </li>
                                    </ul>
                                </div>
                                <div className="col-lg-6 col-md-6 col-sm-12 mb_30">
                                    <h4>What your treatment includes?</h4>
                                    <ul className="list-style-one clearfix mt-3">
                                        <li>
                                            A 45-60 minute initial visit with assessment, goal setting, and a simple home program
                                        </li>
                                        <li>
                                            Evidence-based hands-on care (manual therapy, mobility work) and targeted exercise
                                        </li>
                                        <li>
                                            Education on posture, safe activity, and self-care strategies
                                        </li>
                                        <li>
                                            Progress reviews and reporting that align with IFHP documentation requirements (so your 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>
                                    <h4>Frequently Asked Questions</h4>
                                </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>
                                                <h5>Do I need a referral?</h5>
                                            </div>
                                            <div className={isActive.key === 1 ? "acc-content current" : "acc-content"}>
                                                <div className="content">
                                                    <div className="text">
                                                        <p>
                                                            Yes - IFHP requires a referral from a physician or nurse
                                                            practitioner for physiotherapy services. Bring the referral
                                                            to your first visit (or send it to us securely beforehand).
                                                        </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>
                                                <h5>How many physio sessions are covered?</h5>
                                            </div>
                                            <div className={isActive.key === 2 ? "acc-content current" : "acc-content"}>
                                                <div className="content">
                                                    <div className="text">
                                                        <p>
                                                            Typically 1 initial assessment + up to 12 in-clinic treatment
                                                            visits per calendar year. We’ll review your case and handle
                                                            any approvals for home visits when medically necessary.
                                                        </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>
                                                <h5>What if I can’t come to the clinic?</h5>
                                            </div>
                                            <div className={isActive.key === 3 ? "acc-content current" : "acc-content"}>
                                                <div className="content">
                                                    <div className="text">
                                                        <p>
                                                            When a client cannot attend in person and shows clinical
                                                            signs of deterioration or impairment, home-based
                                                            physiotherapy may be covered under IFHP criteria. We’ll
                                                            assess and request approval where applicable.
                                                        </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>
                                                <h5>What happens when I get provincial coverage (like OHIP)?</h5>
                                            </div>
                                            <div className={isActive.key === 4 ? "acc-content current" : "acc-content"}>
                                                <div className="content">
                                                    <div className="text">
                                                        <p>
                                                            IFHP is temporary. Once you’re eligible for a provincial
                                                            plan, that plan becomes your primary coverage. We’ll help you
                                                            transition smoothly.
                                                        </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">
                                    <h4 className="mb-3">What to bring to your first appointment?</h4>
                                    <ul className="list-style-one clearfix mt-3">
                                        <li>Your IFHP eligibility document (with UCI)</li>
                                        <li>Photo ID (if you have it)</li>
                                        <li>Physiotherapy referral from an MD or NP</li>
                                        <li>
                                            Any medical reports (imaging, hospital notes) that may 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">
                                    <h4>Why choose Rapha Rehab for IFHP-covered care?</h4>
                                    <ul className="list-style-one clearfix mt-3">
                                        <li>
                                            <strong>Welcoming & culturally sensitive:</strong>{" "}
                                            trauma-informed, dignity-first care
                                        </li>
                                        <li>
                                            <strong>Direct billing & paperwork handled:</strong> we
                                            manage Medavie Blue Cross claims for you
                                        </li>
                                        <li>
                                            <strong>Clear communication:</strong> visit limits,
                                            approvals, and coverage are explained upfront
                                        </li>
                                        <li>
                                            <strong>Results-focused rehab:</strong> practical goals,
                                            home programs, and steady progress tracking.
                                        </li>
                                    </ul>
                                </div>
                            </div>


                            <div className=" mb_30">
                                <h4 className="mb-3">Blue Cross: Trusted Partner in Refugee Health Coverage</h4>
                                <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 like physiotherapy.
                                </p>
                                <p>
                                    At Rapha Rehab, we work directly with Blue Cross to verify
                                    eligibility, obtain approvals, and bill services on your behalf
                                    - so you don’t have to worry about navigating insurance
                                    paperwork. This partnership allows us to focus on your healing,
                                    while Blue Cross ensures that your care is supported and
                                    covered.
                                </p>
                            </div>

                            <div className="mt-3">
                                <p className="mt-3">
                                    Need help with a referral or paperwork? Message us - we’ll
                                    guide you step by step.
                                </p>
                                <div className="btn-box mt-3">
                                    <Link href="/contact" className="theme-btn btn-one"><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 Rapha Rehab Physiotherapy</h2>
                                    </div>
                                    <div className="progress-inner mb_50">
                                        <p>At Rapha Rehab, we want your recovery journey to be smooth and worry-free. That’s why we make <b>payment and insurance</b> simple for everyone - whether you have a private health plan, coverage through work or auto insurance, or you 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 if you are injured in a motor vehicle accident (MVA), the auto insurance covers the cost of the treatment.</li>
                                            <li>Please get in touch with rapharehab Physiotherapy clinic etobicoke for assistance to know about your coverage.</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" /></figure>
                                        <figure className="image image-2-new"><img src="/assets/images/payment-insurance/front.webp" alt="Payment and Insurance" /></figure>
                                        <div className="icon-box cart-icon"><img src="/assets/images/payment-insurance/icon.webp" alt="Payment and Insurance" /></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 cover physiotherapy, massage, chiropractic,
                                                acupuncture, and related services.
                                            </li>
                                            <li>
                                                <b>Workplace Injuries (WSIB)</b> - If you’ve been hurt on the
                                                job, we accept WSIB claims for physiotherapy and rehab.
                                            </li>
                                            <li>
                                                <b>Motor Vehicle Accident (MVA) Insurance</b> - If your injury
                                                is from a car accident, your auto insurer may cover the cost of
                                                your treatments.
                                            </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 under IFHP.
                                            </li>
                                            <li>
                                                IFHP is administered by Medavie Blue Cross, which means we bill
                                                them directly - so you don’t need to worry about out-of-pocket
                                                costs for approved services.
                                            </li>
                                            <li>
                                                Coverage usually includes an initial physiotherapy assessment
                                                and up to 12 treatment visits per year, with additional home
                                                visits available in special cases.
                                            </li>
                                            <li>
                                                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 your coverage.
                                                        </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.
                                                        </td>
                                                        <td data-label="For Refugee Patients">
                                                            We verify IFHP eligibility and confirm 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 insurers, WSIB, and auto insurers.
                                                        </td>
                                                        <td data-label="For Refugee Patients">
                                                            We bill Medavie Blue Cross directly for covered services.
                                                        </td>
                                                    </tr>
                                                    <tr>
                                                        <td data-label="Step">4. Out-of-Pocket Costs</td>
                                                        <td data-label="For General Patients">
                                                            If your plan doesn’t fully cover a service, we’ll explain the cost upfront.
                                                        </td>
                                                        <td data-label="For Refugee Patients">
                                                            If a service isn’t covered, we’ll let you know 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 Rapha Rehab?</h3>
                                        <ul className="list-style-one clearfix mt-3">
                                            <li>
                                                <b>Stress-free insurance process</b> - we verify, submit, and
                                                track claims so you don’t have to.
                                            </li>
                                            <li>
                                                <b>Direct billing available</b> - for private plans, WSIB, auto
                                                insurance, and IFHP/Blue Cross.
                                            </li>
                                            <li>
                                                <b>Clear communication</b> - we explain coverage, visit limits,
                                                and approvals upfront.
                                            </li>
                                            <li>
                                                <b>Inclusive care for all</b> - whether you’re a local patient
                                                or a newcomer to Canada, you’ll receive the same compassionate,
                                                high-quality physiotherapy.
                                            </li>
                                        </ul>
                                    </div>

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

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

            </Layout>
        </>
    );
}
