Direct Billing
Cowan Insurance Group Direct Billing | Athlete's Choice Massage
Book NowACM direct bills Cowan Insurance Group at all 4 Edmonton-area locations. No upfront payment — we process your RMT claim on the spot.
Cowan Insurance Group is a Canadian benefits brokerage that administers group health plans for employers across the country. RMT coverage under a Cowan-administered plan depends on the benefits package your employer has selected — most include massage therapy under extended health.
Coverage
Cowan Insurance Group extended health plans may include coverage for Registered Massage Therapy (RMT). Coverage amounts, annual maximums, and eligible practitioner requirements vary by plan. Your RMT receipt from ACM includes your therapist’s registration number, session date, duration, and fee — everything your provider needs to process the claim.
How it works
ACM submits your claim directly to Cowan Insurance Group at the time of your appointment — you pay nothing out of pocket for the covered portion. To process your claim on the day, make sure your insurance information is entered on your intake form before you arrive.
What to have ready
- Your Cowan Insurance Group plan number and member ID
- Your relationship to the plan holder (if you’re a dependent)
- Any authorization number your plan requires in advance
We can’t verify your coverage before your appointment — contact Cowan Insurance Group directly to confirm your annual limit and remaining balance before you book.
Note: while we process direct billing successfully in the vast majority of cases, it is not guaranteed. If your claim can’t be processed on the day, we’ll provide a receipt for manual submission to your insurer.
Book your appointment
ACM has four Edmonton-area locations — all direct bill Cowan Insurance Group.
- West Edmonton — Near West Edmonton Mall & Stony Plain Road — Book online
- Old Strathcona — Near Whyte Ave & the U of A — Book online
- Downtown Edmonton — Central business district — Book online
- Sherwood Park — Strathcona County, east of Edmonton — Book online
FAQ
Does Cowan Insurance Group cover massage therapy?
Coverage depends on the specific plan your employer has set up through Cowan. Most group plans that include extended health benefits cover RMT services. Contact your HR department or Cowan directly to confirm whether massage therapy is included in your plan and what your annual limit is.
Do I need a doctor’s referral?
Most plans administered through Cowan do not require a physician referral for massage therapy. However, since plans vary by employer, check your plan documents or contact Cowan to confirm.
How do I check my remaining coverage?
Log into your Cowan Insurance Group member portal or call the number on the back of your benefits card. ACM can’t access your plan details — only you or your plan administrator can confirm your remaining balance.
What if my direct billing claim is declined?
We’ll let you know right away and process payment directly. We’ll give you an itemized RMT receipt to submit to Cowan Insurance Group for manual reimbursement — most plans process these within 5–10 business days.