We know that cost and coverage can feel like a barrier to getting started — so we want to make this as clear and straightforward as possible.

The short version: most extended health benefit plans cover counselling services, reimbursement tends to be quick, and we make the process as easy as we can for you.

Here’s everything you need to know.

What Does It Cost?

Our fees reflect the expertise, credential depth, and boutique quality of care you receive at penney murphy & associates.

We know counselling is an investment. It’s also one of the most meaningful ones you can make — in yourself, in your relationships, and in the life you actually want to be living.

The good news: most extended health benefit plans cover a significant portion of counselling fees,
and once you submit your receipt to your insurance portal, the turn around time for your reimbursement typically comes through within just a few days.

How payment works at penney murphy & associates

Payment is due at the time of your session. We accept all major credit cards as well as e-transfers.

We don’t direct bill to insurance providers — but that’s less of a hassle than it sounds.
After each session, we provide you with a detailed receipt that includes everything your insurance company needs: the date of service, the fee paid, the type of session, and your therapist’s credentials and registration number.

Most clients simply photograph or scan their receipt and upload it directly to their insurance provider’s online portal. Reimbursement typically comes through within just a few days.

The one thing worth checking before you book

Here’s something most people don’t realize until after they’ve started therapy — and we’d rather you know upfront:

Not all insurance plans cover all types of therapists.

Every insurance provider has its own requirements for which therapist credentials qualify for reimbursement. Some plans cover sessions with a Registered Psychologist only. Others cover Registered Social Workers, Registered Psychotherapists, or Canadian Certified Counsellors. Some plans cover all of the above.

Because every plan is different, we strongly recommend checking your coverage before booking — not because we want to add a step, but because we want you to get reimbursed without any surprises.

How to find out what your plan covers

It’s simpler than it sounds. Here’s what to do:

Step 1 — Find your benefits information.
This is usually available through your employer’s HR portal, your insurance provider’s app or website, or on the back of your benefits card.

Step 2 — Look for your mental health or counselling benefit.
This is sometimes listed under “Paramedical Services” or “Mental Health Practitioners.” Check the maximum annual amount covered and — most importantly — which professional designations qualify.

Step 3 — Match your coverage to our team.
Our clinicians include:

• Registered Psychologists
• Registered Social Workers
• Registered Counsellors
  
• Canadian Certified Counsellors

Once you know which designation your plan covers, we can match you with the right therapist — and your Complimentary Connection Call is a great opportunity to confirm this before committing to anything.

Step 4 — Still not sure? Call your insurer directly.

Ask them: “Which professional designations are covered under my mental health benefit?” — that one question will give you everything you need.

[For Helpful Contact Information for Insurance Companies →]

Not sure where to start? We can help.

If you’ve looked into your coverage and you’re still not sure which of our therapists is the right fit for your plan — just ask us. When you call or email to book your Complimentary Connection Call, let us know what your plan requires and we’ll point you in the right direction straight away.

We’d much rather spend five minutes helping you figure this out upfront than have you hit an unexpected snag down the road.

📞 306.242.1010
✉️ wecanhelp@penneymurphy.com

Have an EFAP through your employer?

If your employer has set up an Employee & Family Assistance Program (EFAP) with PMA, your sessions — and your family’s sessions — may already be fully covered at no cost to you.

To get started with your EFAP benefit, please call our office directly and we’ll get you set up quickly and easily.

📞 306.242.1010

City of Saskatoon employees and their families — you’re covered under the City of Saskatoon EFAP.
Please call us to book your first appointment and we’ll take care of the rest.
[COS EFAP→]

[OTHER EFAP’s→]

Not sure whether your employer has an EFAP arrangement with us? Give us a call — it takes about two minutes to find out.

The bottom line

Investing in your mental health is one of the most meaningful things you can do — for yourself and for the people around you. We’ve worked hard to make sure cost doesn’t stand in the way of that.

If you have questions about fees, coverage, or anything else practical before you book — we’re always happy to talk it through.

penney murphy & associates is Saskatoon’s boutique counselling and wellbeing clinic, located in the Stonebridge area of Saskatoon. Our team includes Registered Psychologists, Registered Social Workers, Registered Counsellors (Canadian Certified Counsellors) all of whom are Master’s-level or Ph.D. therapists. Session fees range from $170 to $200. We provide detailed receipts for insurance reimbursement and work with clients covered under a wide range of extended health benefit plans and EFAP programs. Virtual sessions available across Saskatchewan.