Is ERP Covered by Insurance in Ontario?

Yes, ERP (Exposure and Response Prevention) for OCD is covered by many extended health benefits plans in Ontario when it is delivered by a Registered Psychotherapist, the same way any psychotherapy is covered. It is not covered by OHIP. How much you get back depends on your plan’s percentage and annual maximum, so check yours directly. No referral is required to start.

OHIP only funds therapy delivered by physicians or within public hospital programs. Through workplace or student benefits, you submit receipts for reimbursement, and what you get back depends on your plan. For example, if your plan covers 80 percent up to $1,500 a year, it would pay $200 of each $250 session until you reach $1,500. Check your own plan for your real numbers.

Here’s the quickest way to confirm. Look in your benefits booklet for Registered Psychotherapist (RP) coverage and your annual maximum, and ask whether your plan reimburses RP services specifically. At The OCD Clinic, individual ERP sessions are $250 with a senior clinician or $225 with an associate clinician, receipts are provided after every session, and the first 20-minute consultation is free.