1. Provincial Coverage
   
   • No coverage.
2. User Fees
   
   • DC can charge what is appropriate.
   • Average initial visit user fee, $50, subsequent visits $25.
3. Workers Compensation
   
   • Initial visit $30 + initial report.
   • Subsequent visits $24, subseq reports.
   • Apply for coverage in 20 visit blocks, can get up to 80 visits.
   • Treatment length determined case by case.
   • No user fee can be charged.
   • X-rays covered.
4. Auto Insurance (private)
   
   • Need to exhaust all chiro coverage, including private coverage before auto insurance used.
   • Insurance industry seems to be directing patients to physiotherapy.
   • No $ coverage limits.
   • Average initial visit $50, subsequent visit $25.
   • Treatment length determined case by case.
   • X-ray coverage.
5. Social Assistance
   
   • No coverage.
6. Veterans Affairs
   
   • Pays up to 20 visits/yr.
   • Call for pre approval of treatment.
7. RCMP
   
   • Covers 15 visits/year, can get another 12 visits with MD approval.
   • Initial visit pays full amount (up to $70), subsequent visit pays full amount (up to $30).
8. Private Insurance (Blue X)
   
   • Usually covers 60-80 % of chiro costs up to 300-$1000.
   • Usually covers 60-80 % of orthotics costs.
9. Native Affairs
   
   • Coverage by Labrador Native Affairs with a MD referral is getting more difficult.

Click here to visit the provincial association website: http://www.nfldchiro.com