What does Blue Cross cover for therapy in Montreal?
Blue Cross in Quebec means Medavie Blue Cross, which operates in the province as Québec Blue Cross. Its plans can reimburse sessions with psychologists, social workers, counselling therapists, psychotherapists and psychoeducators, and some plans list more practitioner types than others.
Your plan sets how much you get back each year, so check its limit and the designations it names before you book. Every First Session profile shows the therapist's designation and fee next to an intro video.
Vous préférez le français? Filtrez par langue pour trouver un thérapeute qui vous convient.
What to know about Blue Cross therapy in Montreal
How Blue Cross plans pay for therapy
Québec Blue Cross individual plans set a yearly amount per practitioner category. Published examples include $250 on an entry plan and $500 on an enhanced plan for psychologists.
Employer group plans differ, so read your benefits booklet or call Blue Cross to confirm your limit.
Designations you will see in Quebec
Psychologists belong to the Ordre des psychologues du Québec (OPQ). Social workers and conjugal and family therapists belong to the OTSTCFQ.
Psychotherapy is a reserved title and practice in Quebec. Physicians, psychologists and OPQ permit holders may use it, and Bill 15, sanctioned in April 2026, lets conjugal and family therapists practise it without a separate OPQ permit.
Counselling hours built into some plans
Québec Blue Cross lists an online counselling benefit of 5 hours of individual and 5 hours of couple counselling per year with a qualified therapist. It also lists inConfidence support with 5 hours each of individual and couples counselling.
Ask Blue Cross which of these your plan includes and how they combine with your practitioner limit.
What a psychotherapist permit requires
A non-physician, non-psychologist applicant to the OPQ must belong to one of seven professional orders and hold a master's degree in mental health and human relations. The permit also requires 765 hours of theoretical training and a 600-hour supervised practicum.
Claiming your sessions
First Session does not bill Blue Cross directly. After each session you receive an emailed receipt with the therapist's licence number and designation.
Upload it to your Blue Cross account or send it with your claim form.
Online sessions
Medavie Blue Cross states that virtual sessions with eligible practitioners can be claimed. The online listing shows out-of-province licensed therapists who are insured to provide online therapy in Quebec.
How to choose a Blue Cross therapist in Montreal
1Read your plan first
Find your annual limit and the practitioner types your plan names. This tells you how many sessions to budget for and which designations to filter for.
2Filter by concern and language
Pick the issue you want help with, then add French or English, an approach or an age group. A shorter list makes comparing easier.
3Watch before you book
A short video shows how a therapist speaks and what a session may feel like. Choose the person whose way of talking you could imagine returning to each week.
4Compare the fee with your coverage
Fees show on each profile. Divide your remaining yearly limit by the session price to see how many visits it covers.
5Try a free consultation
Book a 15-minute call directly from the calendar. Ask how they would approach your concern and what a typical session involves.
Other insurers in Montreal
Beneva therapists in Montreal
IA Financial therapists in Montreal
Equitable Life therapists in Montreal
Empire Life therapists in Montreal
RBC therapists in Montreal
Co-operators therapists in Montreal
Browse all Montreal therapists
Therapists in Montreal
Helpful reading
How to find a therapist covered by insurance in Canada
How we vet our therapists and counsellors
-Cropped.webp&w=3840&q=75)
.jpeg&w=3840&q=75)
.jpeg&w=3840&q=75)
-Cropped-(1).webp&w=3840&q=75)
.webp&w=3840&q=75)
.webp&w=3840&q=75)
