If you carry Manulife group benefits or an individual Manulife plan and want a Richmond clinic that handles direct billing without you fronting the cost, Artemis Wellness Clinic at 5911 No. 3 Rd #130, Richmond BC — three minutes’ walk from Brighouse SkyTrain — direct bills Manulife for every regulated discipline we offer.
That includes Registered Massage Therapy (RMT), Acupuncture and Traditional Chinese Medicine, Physiotherapy, Chiropractic, and Kinesiology. You don’t pay upfront, and most patients with extended-health coverage pay between $0 and $30 out of pocket per visit.
📞 Want to skip ahead and book? Call 604-242-2233 or visit artemis.janeapp.com — reception will confirm your Manulife eligibility while you book.
How Manulife Direct Billing Works at Artemis
Manulife is one of the two dominant providers of employer group health benefits in Canada (alongside Sun Life), so a large share of British Columbians who get benefits through work carry a Manulife card.
The flow at Artemis:
- Before your first visit, you give reception your Manulife member ID, plan/policy number, and your contract holder’s name (typically the primary employee on the group plan).
- At your appointment, your practitioner provides the treatment. You sign a one-time authorization so we can submit on your behalf.
- At checkout, our front desk submits the claim electronically to Manulife. Response comes back within seconds.
- You pay only the uncovered portion — typically $0 to $30, depending on plan, discipline, and remaining annual maximum.
You leave with an itemized receipt showing exactly what Manulife covered, what you paid, and your remaining benefit balance.
What Manulife Plans Typically Cover
Manulife coverage varies enormously by employer plan, but the typical patterns we see across our patient base:
- Registered Massage Therapy (RMT): Most Manulife group plans cover 80–100% up to $300–$1,500 per year, with per-visit caps around $60–$120. Some premium employer plans cover 100% up to a higher annual max.
- Acupuncture / TCM: Typically grouped with paramedical practitioners under a shared annual pool. Coverage often falls in the $300–$1,000/year range.
- Physiotherapy: Usually covered at the same percentage as RMT under your “extended health” benefit; common annual limits $500–$1,500.
- Chiropractic: Typically a separate benefit pool with its own annual cap, commonly $300–$1,000/year.
- Kinesiology: Coverage varies. Some Manulife plans include kinesiology under a broader “registered health practitioner” pool; others do not. We can verify before booking.
⚠️ Important: these are typical ranges — your specific plan may differ. The two-minute verification below confirms your exact coverage.
What You’ll Actually Pay — Three Worked Examples
Example 1 — Common Manulife group plan, 100% up to $80/visit, $500/year RMT cap
You book a 60-minute RMT session at our standard rate of $135.
- Manulife pays: $80 (direct billed at checkout)
- You pay at the desk: $55
Example 2 — Premium plan, 80% coverage up to $1,500/year
You book a 75-minute Acupuncture and TCM session at $160.
- Manulife pays: $128 (80% of $160, within annual cap)
- You pay at the desk: $32
Example 3 — Comprehensive plan, 100% up to $1,000/year RMT
You book a 60-minute RMT session at $135.
- Manulife pays: $135 (direct billed)
- You pay at the desk: $0
The pattern: with direct billing, your real out-of-pocket cost is dramatically lower than the listed price, and you don’t need to front any cash to find out.
How to Verify Your Manulife Coverage in Two Minutes
Option A — Use the Manulife member portal. Log in at manulife.ca/customer with your member credentials. Navigate to “Group Benefits” → “Coverage Information” → “Paramedical.” You’ll see your per-visit cap, annual maximum, and used-to-date for each professional category (RMT, Acupuncture, Physio, Chiro, Kinesiology).
Option B — Use the Manulife Mobile app. Same login, same info. Often the fastest path.
Option C — Phone Manulife. Call the member services number on your card. Ask: “What’s my paramedical coverage cap and remaining annual maximum for [RMT / Acupuncture / Physiotherapy / Chiropractic]?” The agent will read it out within two minutes.
Or just call us at 604-242-2233 — reception runs Manulife coverage checks several times a day.
Why Patients Choose Artemis for Manulife Claims
1. One clinic for five disciplines. RMT, Acupuncture and TCM, Physiotherapy, Chiropractic, and Kinesiology — all under one roof, all direct billed to Manulife.
2. Practitioners share patient charts. When Mandy Tam, R.Ac coordinates with Dave Tam, RMT Director, your file moves with you internally — no re-explaining your case.
3. We’ve direct billed Manulife since the clinic opened. Manulife’s submission system, error responses, and benefit-pool quirks are routine for our front desk. You’re never the test case.
Patients also routinely mention the clinic’s location — 3 minutes’ walk from Brighouse SkyTrain, directly across from Pricesmart Ackroyd — and our evening and Saturday appointments.
What to Bring on Your First Visit
- Manulife member card (physical or digital screenshot)
- A photo ID (driver’s licence or BC services card)
- List of any current medications
- A short note about what you’d like help with — pain location, sleep, stress, post-injury
You’ll fill out a 5-minute intake form on arrival (or online). Book a full 60-minute slot for your first visit so the intake doesn’t eat treatment time.
About Manulife
Manulife Financial is one of Canada’s largest financial services companies, founded in 1887 in Toronto. Headquartered in Toronto, Manulife serves more than 34 million customers worldwide. In Canada, Manulife is one of the two dominant providers of workplace group health benefits (alongside Sun Life), covering millions of Canadian employees and their families.
For policy questions, member portal login, or claim history, visit the official Manulife Canada website.
Frequently Asked Questions
Does Artemis direct bill Manulife for every service?
Yes. We direct bill Manulife for Registered Massage Therapy (RMT), Acupuncture and TCM, Physiotherapy, Chiropractic, and Kinesiology — every regulated discipline we offer.
Do I need to pay upfront and get reimbursed by Manulife?
No. Direct billing means we submit the claim electronically to Manulife at the time of your visit, and you only pay the uncovered portion at the front desk. Most patients pay $0–$30.
What if my Manulife plan only partially covers my visit?
You pay only the difference between what Manulife covers and the session price. For a $135 60-minute RMT session with an $80 cap, you’d pay $55 at the desk.
How do I find out my Manulife annual maximum and per-visit cap?
Log into the Manulife member portal or app under “Coverage Information” → “Paramedical,” or call the member services number on your card. Or call us at 604-242-2233 and reception will check while you book.
Can I direct bill Manulife for both RMT and Acupuncture in the same visit?
Yes — but they’re typically billed against separate benefit pools, and each session is its own claim. We coordinate scheduling and billing.
Does Manulife direct billing work for spouses or dependants?
Yes. Each family member booked under your Manulife policy can be direct billed against their share of the benefit pool.
What if my Manulife plan is exhausted for the year — can I still book?
Yes. If your benefit pool is fully used, you pay the standard session rate at the desk. We provide an itemized receipt for your tax records or HSA reimbursement.
Do I need a doctor’s referral for Manulife to cover my treatment?
For most Manulife plans: no. RMT, Acupuncture, and Chiropractic generally don’t need a referral. Physiotherapy and Kinesiology occasionally do — your member portal or our front desk can confirm in 30 seconds.
Book Your Manulife Direct-Bill Appointment
Ready to use your Manulife benefits at Artemis? Book online at artemis.janeapp.com or call 604-242-2233. We’re at 5911 No. 3 Rd #130, Richmond, BC V6X 0K9, three minutes from Brighouse SkyTrain.
We also direct bill: ICBC, WorkSafeBC, Pacific Blue Cross, Sun Life, Canada Life, Green Shield Canada, and TELUS Health.
For our complete cost breakdowns, see Richmond RMT Direct Billing & Cost Guide and Richmond Acupuncture Cost & Direct Billing 2026.
This page was prepared by the Artemis Wellness Clinic team for patient education. Coverage details are typical patterns observed across our Manulife patient base — your individual plan benefits may differ. Always verify with Manulife before relying on any specific figure. Manulife® is a registered trademark of The Manufacturers Life Insurance Company. Artemis Wellness Clinic is independent and not affiliated with, sponsored by, or endorsed by Manulife.
Reviewed by Artemis Wellness Clinic team · Published 2026-05-15
