Quote:
Originally Posted by Traum
Usually, it is physiotherapy and chiropractors that do not require doctor referral, whereas RMT services usually requires doctor's referral. But policies differ in their requirements, so it is best for you to find out what your plan requires you to do.
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This. FWIW, I'm with Sunlife and in my particular coverage, I require a doctor's note. However I went a year without needing one, then in the second year I wasn't paid out and was told I required one.