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"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>
At Rapha Rehab, we make it easy for refugees and refugee
claimants to access physiotherapy using Canadas 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">Whos eligible under IFHP?</h4>
<p>
IFHP is temporary health coverage for people in Canada who
arent yet eligible for provincial/territorial health insurance
- this includes refugee claimants, protected persons and many
resettled refugees. Its 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. IFHPs 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 cant 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">
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 its 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 whats 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 whats 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 isnt covered, well 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. Well 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 cant 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. Well
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 youre eligible for a provincial
plan, that plan becomes your primary coverage. Well 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">
<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 Canadas 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 dont 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 - well
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. Thats 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 youve 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 dont 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">
<thead>
<tr>
<th>Step</th>
<th>For General Patients</th>
<th>For Refugee Patients</th>
</tr>
</thead>
<tbody>
<tr>
<td>1. Check Coverage</td>
<td>
Bring your insurance card or policy details. Well confirm
your coverage.
</td>
<td>
Bring your IFHP eligibility document (with UCI number) and a
doctors referral.
</td>
</tr>
<tr>
<td>2. Verification</td>
<td>
We confirm benefits with your private insurer, WSIB, or auto
insurance.
</td>
<td>
We verify IFHP eligibility and confirm coverage with Medavie
Blue Cross.
</td>
</tr>
<tr>
<td>3. Direct Billing</td>
<td>
We directly bill many insurers, WSIB, and auto insurers.
</td>
<td>
We bill Medavie Blue Cross directly for covered services.
</td>
</tr>
<tr>
<td>4. Out-of-Pocket Costs</td>
<td>
If your plan doesnt fully cover a service, well explain
the cost upfront.
</td>
<td>
If a service isnt covered, well 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>Doctors 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 dont 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 youre a local patient
or a newcomer to Canada, youll 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-4 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>
</>
);
}

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@ -1,82 +1,17 @@
import Link from "next/link"
import Layout from "@/components/layout/Layout"
import Layout from "@/components/layout/Layout";
import RefugeeIFHP from "./PaymentInsurence";
export const metadata = {
title: "Payment & Insurance at Physiotherapy Etobicoke - Rapharehab Physiotherapy clinic Etobicoke",
title:
"Refugee Physiotherapy & IFHP Claims (Canada) - Rapharehab Physiotherapy Etobicoke",
description:
"Explore flexible payment options and insurance coverage at Rapharehab Physiotherapy clinic and rehabilitation etobicoke. We accept a variety of insurance plans and offer convenient payment solutions to ensure you get the care you need without financial stress. Book your appointment today!",
"Access refugee physiotherapy covered by Canada's Interim Federal Health Program (IFHP) at Rapha Rehab Etobicoke. We handle paperwork, explain coverage clearly, and focus on your recovery. Book your IFHP-covered physiotherapy visit today.",
};
export default function About() {
export default function FaqPage() {
return (
<>
<Layout headerStyle={1} footerStyle={1} breadcrumbTitle="Payment And Insurance" bannerImage="/assets/images/payment-insurance/payment-banner.webp">
{/* chooseus-section */}
<section className="solutions-section">
<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">
{/* <span className="sub-title">Better Solutions</span> */}
<h2>Payment and Insurance</h2>
</div>
<div className="progress-inner mb_50">
<p>At rapharehab Etobicoke Physiotherapy clinic, your treatments are partially or fully covered by health insurance plans and Workplace Safety and Insurance Board (WSIB). If you have medical health care coverage, we believe your treatment costs will be covered by health care plans. The treatments such as physiotherapy, massage therapy, chiropractic care, acupuncture, orthotics etc., all can be covered by health care insurance.</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>
{/* chooseus-section end */}
{/* subscibe */}
{/* <section className="subscribe-section">
<div className="auto-container">
<div className="inner-container">
<div className="row align-items-center">
<div className="col-lg-6 col-md-12 col-sm-12 text-column">
<div className="text-box">
<h2><span>Subscribe</span> for the exclusive updates!</h2>
</div>
</div>
<div className="col-lg-6 col-md-12 col-sm-12 form-column">
<div className="form-inner">
<form method="post" action="contact">
<div className="form-group">
<input type="email" name="email" placeholder="Enter Your Email Address" required />
<button type="submit" className="theme-btn btn-one"><span>Subscribe Now</span></button>
</div>
<div className="form-group">
<div className="check-box">
<input className="check" type="checkbox" id="checkbox1" />
<label htmlFor="checkbox1">I agree to the <Link href="index">Privacy Policy.</Link></label>
</div>
</div>
</form>
</div>
</div>
</div>
</div>
</div>
</section> */}
{/* subscibe end */}
</Layout>
<RefugeeIFHP />
</>
)
);
}

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@ -9,7 +9,7 @@ export default function Footer2() {
const servicesCols = [
servicesList.slice(0, 13),
servicesList.slice(13, 25),
servicesList.slice(25, 36),
servicesList.slice(25, 37),
];

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@ -9,7 +9,7 @@ export default function Footer2() {
const servicesCols = [
servicesList.slice(0, 13),
servicesList.slice(13, 25),
servicesList.slice(25, 36),
servicesList.slice(25, 37),
];

View File

@ -340,6 +340,21 @@
border-radius: 20px;
}
@media (max-width: 768px) {
.billing-table table {
font-size: 12px;
line-height: 22px; }
}
@media (max-width: 426px) {
.billing-table table {
font-size: 9px;
line-height: 12px; }
}
.image_block_three .image-box .image-1-ho img{
width: 100%;
border-radius: 20px;