Straightforward therapy costs in Ontario: transparent fees, HST-exempt, and receipts for insurance reimbursement after every session.
Private psychotherapy in Ontario is not covered by OHIP, but most extended health plans cover it. Average therapy costs in Ontario typically range from $120 to $350 per session depending on credentials and format. Inner Room's fees run $130 to $195 per 50-minute session, with couples therapy at $220.
All fees are HST-exempt, with registered social worker receipts issued for insurance reimbursement at Inner Room, virtual across Ontario.
No surprises. You know the cost before you book.
OHIP does not cover private therapy. Most work and school plans do.
Insurance. When it comes to therapy costs in Ontario, sessions with a Registered Social Worker (RSW) are covered by most extended health plans. OHIP does not cover private therapy. You pay after each session and submit the receipt we provide for reimbursement. Read the insurance guide
Direct billing. We don't bill insurers directly, and here's what that means in practice: you pay after each session, we issue a detailed RSW receipt immediately, and most clients submit through their insurer's app in under two minutes. Reimbursement typically lands within days. Every plan is different, so we keep the paperwork exact and let your insurer do the rest.
Cancellation. 24 hours' notice required. Full session fee charged for late cancellations and no-shows.
Let us help you confirm your plan. Get in touch with us to ask.
Get in TouchThe clear answer
OHIP does not cover private psychotherapy with a Registered Social Worker or a private psychotherapist. It was not designed for private outpatient mental health care.
Here is what OHIP does cover in Ontario:
For most people asking this question, the real answer is this: your extended health plan probably covers private psychotherapy even when OHIP does not. Most workplace and school benefit plans include coverage for sessions with a Registered Social Worker (RSW). That is who Inner Room's therapists are.
ODSP (Ontario Disability Support Program) is a form of Ontario disability support. It does not usually fund private psychotherapy, because the expectation is that mental health services are provided through hospitals and community health care organizations.
A note on Ontario Works (OW): Like ODSP, OW does not fund private therapy. Referrals to community mental health organizations (typically free or low-cost) are the standard path. The difference: ODSP is for long-term disability, while OW is for any form of unemployment.
Most extended health plans cover you even when OHIP doesn't.
Book a 15-Minute ConsultationCommon insurers in Ontario, explained plainly.
Have more questions about coverage? Read our complete Ontario therapy insurance guide
Three things to do before your first session.
Ask one specific question: "Does my plan cover sessions with an MSW RSW (Registered Social Worker)?" The phrase "MSW RSW" is important. Some plans list mental health coverage under "psychologist" only, which is a different credential. Inner Room therapists are all Registered Social Workers, which is covered under most Ontario plans, but you want to confirm the exact designation.
Ask: "What is my annual mental health limit, and does the plan reimburse 80% or 100%?" A common configuration is $500–$2,000 per year at 80% reimbursement. Knowing this before you start means no surprises in February.
Your Inner Room receipt includes everything your insurer requires: session date, therapist name, registration number (RSW), session duration, and fee paid. You submit it through your insurer's app or portal. Most clients do this in under two minutes.
Not sure what designation your plan covers? We break down exactly how to check your plan type and coverage limits in our complete guide to Ontario therapy insurance.
Still have questions about your coverage?
No packages, no prepayment, no surprises. You pay per session, after each session, and we provide you with a detailed receipt that includes all the necessary information you need to submit to your insurance for reimbursement.
Pay after each session by e-transfer or credit card. No packages, no subscriptions, no prepayment required.
A detailed RSW receipt is issued after every session. Submit through your insurer's app; most reimburse within days.
24 hours' notice required. The full session fee is charged for late cancellations and no-shows.
No prepayment. Pay after your first session.
Get in TouchSame quality of care at every rate point. Student rate available with any therapist.
Book the 15-minute consult. You will be matched with the right therapist and can ask about fees directly.
Book a 15-Minute ConsultationA discovery call. The opportunity to talk, learn more about each other, and see if it feels like the right fit. Ask anything, including about fees and insurance.
No waitlist means this week.No packages, no prepayment, no subscriptions. You pay per session, after the session.
Every session comes with a detailed RSW receipt. Most clients submit through their insurer's app in under two minutes.
The distinctions that affect your coverage and your care.
A registered social worker with a master's degree in social work, licensed by the Ontario College of Social Workers and Social Service Workers. RSWs can provide psychotherapy. Extended health plans almost universally cover RSW sessions under their mental health benefit. Inner Room's therapists are all MSW RSWs.
Registered with the College of Registered Psychotherapists of Ontario. RPs provide therapy but cannot prescribe medication or diagnose. Coverage under extended health plans is common but less universal than for RSWs. Always confirm with your insurer.
Registered with the Psychology Registration Authority in Ontario. Psychologists can diagnose and provide therapy. Session rates are typically higher ($200–$350+). Coverage varies. OHIP covers psychologist services only when delivered within a hospital or OHIP-funded program.
A medical doctor who has specialized in psychiatry. Psychiatrists can diagnose, prescribe medication, and are covered by OHIP when billing through OHIP. Most Ontario psychiatrists focus on medication management rather than ongoing talk therapy. Wait times for psychiatrist appointments generally start at one year and can stretch up to two years.
Inner Room therapists are Registered Social Workers, one of the most widely covered designations under Ontario extended health plans. If your plan covers "psychotherapy" or "social work," you are very likely covered.
Not sure if your therapist's designation is covered? Ask in the consultation
The consultation is 15 minutes. Ask about fees, insurance, anything. No pressure, no surprises.
Book a 15-Minute ConsultationVirtual across Ontario · HST exempt · Receipts for insurance
Clear answers on fees, coverage, and how to start.
Inner Room is a premium virtual psychotherapy Ontario practice. All therapists are registered with the Ontario College of Social Workers and Social Service Workers. No waitlist. Book your 15-minute consultation.
