Blue Cross, Manulife, Sun Life, Canada Life, GreenShield
Eligibility check
Your plan may pay part of the cost if it lists the item as eligible, you have a prescription or doctor's letter, you have not used up the maximum, and you get any pre-approval it requires before you buy. Three quick questions. Nothing you choose leaves this page.
Question 1 of 3
You have no health plan.
Look at the government and charity programs on our funding pages instead. If your spouse or a parent has a workplace plan that covers you as a dependant, check that plan.
Only your insurer decides what your plan pays, and coverage is not guaranteed. Questions: call the number on your benefits card or in your insurer's app.
You have a plan, you are renting and you have the prescription.
Medavie Blue Cross, for example, needs only the prescription and the paid receipt for most rental claims. Check your booklet for the rental limit, then send the claim with both.
Only your insurer decides what your plan pays, and coverage is not guaranteed. Questions: call the number on your benefits card or in your insurer's app.
You have a plan, you are buying and you have the prescription.
Many plans require approval before a purchase. Medavie Blue Cross, for example, asks for two quotes from separate equipment providers, and GreenShield warns that a claim may be denied without a required pre-approval. Send the request first and order only once you have the answer in writing.
Only your insurer decides what your plan pays, and coverage is not guaranteed. Questions: call the number on your benefits card or in your insurer's app.
You have a plan but no prescription yet.
Ask your doctor for a prescription or letter that names the item, your diagnosis and how long you will need it. Insurers such as Medavie Blue Cross, GreenShield and Sun Life ask for one with an equipment claim.
Only your insurer decides what your plan pays, and coverage is not guaranteed. Questions: call the number on your benefits card or in your insurer's app.
What can be covered
Items many health plans list, grouped by the equipment we supply. Your own plan booklet decides what is covered and how much.
Nothing in that group.
Medavie Blue Cross asks for two quotes before a purchase. GreenShield uses an authorization form your doctor fills in. Canada Life's claim form can be marked as a pretreatment estimate. Sun Life lists what the doctor's letter must say. Check your own insurer's rule before you assume another's. Source: medaviebc.caSource: assets.greenshield.ca, PDFSource: canadalife.com, PDFSource: sunlife.ca, PDF
Before you buy
Read the medical equipment section of your plan booklet, get a prescription or doctor's letter, and ask your insurer whether the item needs pre-approval, a predetermination or prior authorization. Medavie Blue Cross asks for pre-approval on purchases, with two quotes from separate equipment providers. GreenShield warns that failing to request pre-approval may lead to a denied claim. Do not order until you have the insurer's answer in writing.
How to apply
Check your booklet, get the prescription, get quotes, ask for pre-approval if your plan requires it, then buy and claim with the receipts.
Find the medical equipment or durable medical equipment section in your plan booklet or member app, and note the percentage, the maximum and any pre-approval rule. Source: bluecrosshealth.ca
Ask your doctor for a prescription or letter naming the item, your diagnosis, how long you need it and why. Sun Life lists the details its letters must include. Source: sunlife.ca, PDF
For a purchase, ask for itemized quotes. Medavie Blue Cross wants two quotes from separate providers showing the patient name, diagnosis, prognosis, expected duration of use, provider name and an itemized cost breakdown. Source: medaviebc.ca
Use your insurer's process, for example GreenShield's Authorization Form for Prosthetic Appliances and Durable Medical Equipment, or Canada Life's claim form marked as a pretreatment estimate. Source: assets.greenshield.ca, PDFSource: canadalife.com, PDF
After approval, buy the item and send the claim with the prescription, the paid receipt and the itemized receipt. Many plans accept claims through their app or website. Source: medaviebc.caSource: bluecrosshealth.ca
If you or your spouse have two plans, claim from the first plan, then send the balance with its statement to the second plan. Source: sunlife.ca, PDF
Tick each one as you gather it. Your ticks stay in this browser, and you can add the list to your booking so we know where you are.
Call (905) 798-1853Tick each document as you gather it.
This browser is not keeping your ticks, so they will clear when you leave the page.
How we help
Our part is the equipment and the paperwork that comes with it: quotes, product sheets and receipts in the form insurers ask for.
Questions
Anything else about the equipment or the quote, ask us. Questions about your application go to your insurer.
Call (905) 798-1853Many Blue Cross plans do, if your plan lists them. Medavie Blue Cross, which runs group plans in Ontario, needs a prescription for most rental claims and asks for pre-approval with two quotes before a purchase. Your booklet shows the percentage and the maximum.
Almost always. Medavie Blue Cross, GreenShield and Sun Life ask for a prescription, referral or doctor's letter, and Sun Life's letter includes the diagnosis and how long you need the item. Get it before you rent or buy.
Source: medaviebc.caSource: onlineservices.greenshield.ca, PDFSource: sunlife.ca, PDF
Often, yes. Medavie Blue Cross says most equipment claims are rentals and need only a prescription and the paid receipt; buying may be considered when the need is long or permanent. Check your booklet for rental limits.
It is a request you send before buying, so the insurer can tell you in writing what it will pay. Medavie Blue Cross requires it for purchases, and GreenShield says skipping a required pre-approval may lead to a denied claim.
Some insurers, including Medavie Blue Cross, compare quotes from two separate equipment providers before approving a purchase. Each quote shows the patient name, diagnosis, prognosis, expected duration of use, provider name and an itemized cost.
The patient name, a description of each item, the date you received it, the charge for each item, and the provider's name and address. For a purchase, Medavie Blue Cross asks for both the paid receipt and the itemized receipt.
Yes. Claim from the primary plan first, then send the remaining amount with the first plan's statement to the second plan. The second plan pays at most the eligible cost minus what the first plan paid.
It depends on your plan. GreenShield needs claims within 12 months of the date of service unless your plan says otherwise. Check your own booklet for the deadline.
No. In Ontario, Ontario Blue Cross sells personal health plans, while Medavie Blue Cross handles group plans for employers. Check your card or plan documents to see which one you have.
Some plans do. Sun Life notes that for certain equipment the doctor's letter may need to explain why an electric device is required. Ask your insurer for pre-approval before you order.
Contacts
Questions about the program, your application or a decision go to Your insurer. Questions about the equipment, measuring and the quote come to us.
The program
The equipment
We prepare itemized quotes, product sheets and receipts in the form insurers ask for. Questions about your coverage, pre-approval or a claim go to your insurer, at the number on your benefits card.
Book a free home assessmentFree home assessment
We measure, show you what fits and prepare the quote in the format your health plan asks for. We reply within one business day.
Unit 16B, 106 Humber College Blvd, Etobicoke M9V 4E4
Monday to Friday 9:00 am to 5:30 pm; Saturday 10:00 am to 2:00 pm; Sunday Closed
Directions to EtobicokeUnit 7, 15 Fisherman Drive, Brampton L7A 1B7
Monday to Friday 9:00 am to 5:30 pm; Saturday 10:00 am to 2:00 pm; Sunday Closed
Directions to BramptonWritten by Mobility Specialties, updated . Checked against Medavie Blue Cross, Blue Cross Canada, Ontario Blue Cross, GreenShield, Canada Life and Sun Life pages and forms on November 12, 2026. Your own plan booklet sets what is covered, and only your insurer decides a claim.
