Is RCC Counselling Covered by Insurance in BC? |Soul Puzzle Clinical Counselling
If you’re considering counselling and wondering whether your insurance will help cover the cost, you’re not alone. One of the most common questions we hear is:
“Can I use my extended health benefits for sessions with a Registered Clinical Counsellor (RCC)?”
The good news is that many insurance plans in British Columbia do cover RCC services. Below, we’ll walk you through what is typically covered, which insurers commonly accept RCC claims, and how to check your own benefits.
Does MSP Cover Counselling with an RCC?
No.
British Columbia’s Medical Services Plan (MSP) does not cover private counselling or psychotherapy provided by Registered Clinical Counsellors.
MSP covers physician services (including psychiatrists), but counselling with an RCC falls under extended health benefits or private payment.
What Insurance Typically Covers RCC Counselling?
Most people access coverage through:
Employer-sponsored extended health plans
A spouse’s or partner’s benefits
Student health plans
Individually purchased extended health insurance
Coverage varies by plan. Some plans specifically list “Registered Clinical Counsellor” or “clinical counsellor,” while others may only include psychologists or Registered Social Workers.
Insurance Companies That Commonly Cover RCC Services in BC
The following insurers frequently reimburse sessions with Registered Clinical Counsellors (always confirm with your specific plan):
Pacific Blue Cross
Manulife
Sun Life
Canada Life
Green Shield Canada
Desjardins
Equitable Life
ClaimSecure
Industrial Alliance
Johnston Group / Chambers of Commerce Group Insurance
Many clinics, including ours, can direct bill a number of these insurers, which means you may only need to pay any remaining balance after your benefits are applied.
Other Programs That May Cover Counselling
ICBC – for counselling related to a motor vehicle accident
Crime Victim Assistance Program (CVAP) – for eligible victims of crime
Veterans Affairs Canada – RCCs are approved providers for veterans
How to Check Your Coverage in a Few Minutes
Log into your insurance member portal or review your benefits booklet.
Look under “paramedical services,” “mental health,” or “counselling.”
Check whether Registered Clinical Counsellor (RCC) or “clinical counsellor” is listed as an eligible provider.
Note your annual maximum and the percentage covered per session.
Confirm whether a physician’s referral is required (most plans no longer require one).
If you’re unsure, call the member services number on your benefits card and ask: “Does my plan cover Registered Clinical Counsellors registered with the BC Association of Clinical Counsellors?”
We’re Here to Make the Process Easier
At Soul Puzzle Clinical Counselling, we regularly work with clients who are using their extended health benefits for counselling. We’re happy to:
Help you understand what information to look for in your plan
Provide detailed receipts that include our RCC registration numbers
Direct bill certain insurers when possible
If you’d like support checking your coverage before booking, feel free to reach out. We’re happy to guide you.
Frequently Asked Questions
Do I need a doctor’s referral to see an RCC?In most cases, no. The majority of extended health plans in BC allow you to book directly with a Registered Clinical Counsellor.
Can I use a family member’s insurance?Yes, if you are listed as a dependent on their plan.
What if my plan doesn’t cover RCCs?Some plans only cover psychologists or social workers. In that situation, you can still see an RCC and pay privately, or we can help you explore other options.
Taking the step to start counselling is meaningful. Understanding your insurance options can make that step feel a little more manageable.
If you’re ready to begin or simply have questions about coverage, book a consultation. We’re here to support you.
Comments