Payment and Reimbursement
- Can I pay in installments?
We accept cash payments or personal/company cheques only. If you pay the balance by cheque, you can submit up to 3 post-dated cheques. If you pay in cash, we require the full amount at the start of the program.
- Will my insurance cover the cost of the program?
Many insurance companies will cover parts of the program. We can provide you with a letter to submit to your insurance company, which describes the program costs in detail. If you are a cardiac patient, donít forget to look at the long-term disability section of your insurance booklet as cardiac rehabilitation might be included. Companies that have covered our program include:
Excellence, Manulife, Desjardins, Sunlife, Blue Cross and Great West Life.
- Is the program tax deductible?
Yes. You can include it with your tax return as a medical expense. We can provide you with a letter.
- Can I pay with a credit card?
We are accepting payment by cheque or cash only. No credit card or debit payments are accepted at this time.
- What if I canít afford the cost of the program?
If this is a concern, please tell the chip staff when you call or visit. We will ask you to fill out a financial assistance form. CHIP will cover between 20% - 75% of the cost of the program depending on your financial circumstances. If you are eligible for subsidies, we will determine the amount and develop a manageable payment plan.
Supervised Exercise Classes
- When do the exercise sessions start?
There is no specific start date. Once you have been cleared by the doctor and have completed your aerobic capacity assessment, a date for the initial private training session will be determined. At that session, the best start date for the program will be decided.
- What happens in the supervised exercise classes?
At the start of the class, you will be given a heart rate monitor (or you will bring your own) and your blood pressure reading will be taken. At that time, the exercise physiologist will provide your exercise prescription for the day. You will then proceed to the gym to begin exercising. The exercise supervisor that is on-site during the class will come by to check your heart rate and provide you with education and guidance during the class. Supervised classes prepare individuals to exercise on their own and provide both structured guidance for exercise and support.
- What exercise class times do you offer?
If you are joining the program 3x per week, we offer Monday, Wednesday and Friday mornings at 7:30AM, 8:45AM, 10:00AM, 11:15AM and a brand new opening at 2:00PM. Monday and Wednesdays evening classes are held at 5:15PM and 6:15PM.
- Who will monitor my exercise training sessions?
A qualified exercise physiologist will monitor you throughout the entire class. Heart rate and blood pressure will be taken and your workout will be adjusted at each class based on how you are feeling and your progress.
- I am going away for 1-2 months. Can I start now and resume the program upon my return?
This can be discussed. Ideally, completing the program within a 4-month period will give you optimal results. However, we understand that you may have planned a trip prior to entering CHIP. If you do start the program before you leave, you will be guaranteed a spot in one of the classes, but it may not be the same class that you initially started in.
- When I start working again, my schedule will change. Can I change my exercise class time?
Yes, there is always this possibility provided that there is room at the new time. We limit class size to 8 people in order to provide optimal supervision and care.
- If I have to leave early, can I start the classes sooner?
It is best to start with the rest of the group at your class time so that we can screen you properly before you start exercising. If you let us know when you have to leave early, we will try to work out a solution in advance so that you donít have to shorten your session.
- Do we do weight training or mostly cardiovascular exercise in the program?
Generally, weight training will be introduced after 1 month of participation in the aerobic program. An aerobic program will use cardio equipment in order to focus on strengthening the heart. Depending on the patientís fitness level and medical history, we may introduce weight training sooner.
- Will I receive dietary counseling?
It is highly recommended for most participants; however, there is an extra fee if you would like to see the dietician. Most private insurance companies will cover this service and we can provide a doctorís referral if needed.
- Will the program help me lose weight?
Weight loss is a long-term goal and is a balance between caloric expenditure and food intake. Patients who have the most success with weight loss at CHIP are those who come regularly to their exercise classes, and who have increased their volume of aerobic exercise by exercising on their own on non class days. In many cases, dietary counseling may be required to help decrease your caloric intake. Ask us about our Pedometer Program designed to help with weight loss.
- What happens when I am finished the program?
When you are finished the program, the exercise physiologist will meet with you to discuss your improvements and options for continuing your exercise. If you want to exercise at home, you will be given the guidelines to do so. If you want more support, we have the CHIP 2 program or Graduate Health Check which will help with the transition from being supervised to being able to exercise on your own.
- Will I be able to continue the exercises on my own?
Our goal is to educate the patient so that they can continue to exercise on their own after they have completed the CHIP program. We are always available after you graduate to come back to CHIP for help or to update your program.
- Do I need to buy any equipment?
We provide all the exercise equipment at CHIP. However, investing in proper footwear will be required to prevent injury. We also recommend that you purchase your own heart rate monitor to use while in class and when you exercise on your own.
- Is there a physician on site when I am exercising?
While we are a medical clinic, we do not always have a doctor on site. If there is a problem before, during or after class, the exercise physiologist will contact the doctor right away and is able to provide the first responder care required in an emergency situation.
- What facilities can I use? Are there showers, towels, lockers, and sauna?
Yes, there are towels, showers, and a sauna that you may use when you are here. CHIP patients do not have lockers but there are security lockers for use during class time
- If I take one of the CHIP programs, do I also need to take a membership with the YMHA?
No you donít need to take a membership with the YMHA because all CHIP programs already include it for the duration of your program.
- Is there parking?
Yes there are a lot of parking spaces on the street outside of the facilities. There is also an outdoor parking available for members. You also have access to indoor parking for an extra $12 to pay and itís good for as long as you have a membership with the YMHA.
- Do you have a transport service for patients?
Unfortunately, we do not provide this. Please contact the STM for assistance.
Medical Visit and Support
- Do I need a referral to CHIP from my physician?
No, you do not need an official referral but it is important that your treating physician knows that you plan to come to CHIP for exercise. We will be sending all results (aerobic capacity assessments and computerized cardiovascular age and risk assessments) back to your doctor to keep your file up to date. We strongly advise that you bring a discharge summary or operation report, as this is very helpful for the CHIP physician to assess your medical condition prior to starting the program.
- Do I have to see a CHIP physician prior to starting the program?
Yes. All patients entering our exercise programs must be seen by a CHIP physician prior to starting. The only exception is the step-up program where the exercise component consists of simple stretches.
- Why do I have to have an aerobic capacity assessment?
An aerobic capacity assessment allows us to clear you for exercise by ruling out any complications which may arise with exercise. Also, the results of the aerobic capacity assessment will be used to determine safe and beneficial exercise intensity referred to as the target heart rate zone.
- I did an aerobic capacity assessment less than 6 months ago, can you use the results?
Not usually. Your fitness level can change in just 6 months. In addition, we need to take into consideration which medications you were on when you did the test as this could have an impact on your target heart rate. You can bring your aerobic capacity assessment results along and discuss with the CHIP physician whether it is necessary to repeat the test.
- Iím not ready to join the program but Iíd like an evaluation. Is this possible and what does it entail?
A cardiovascular evaluation consists of a medical visit, an aerobic capacity assessment, and a cardiovascular risk profile when patients come with computerized cardiovascular age and risk assessments. The purpose of this visit is to evaluate your risk factors for cardiovascular disease, determine your fitness level and provide you with a target heart rate for exercise.
I have no GP/cardiologist. Can one of the CHIP physicians follow me?
Patients will be followed here throughout the CHIP program and are allowed to return for up to 1 year after they have completed the program. If a patient is having difficulty finding a family doctor or cardiologist, the CHIP doctors might be able to advise you as to where to find one.
Can I do an aerobic capacity assessment at CHIP to determine if I have heart disease?
CHIP does not do diagnostic testing. The aerobic capacity assessments administered here at CHIP are for the purpose of exercise prescription. If you have not been diagnosed with heart disease and are experiencing chest pains, please see your doctor.
If I donít have an Assurance Maladies (Quebec health) card, can I still be seen by a CHIP doctor?
Yes, however, you will have to pay for the medical visit and aerobic capacity assessment (if this is needed) and fill out a form for Medicare in order to get reimbursed.
Independent Home Program and Private Training
- I live far away and canít come 3 times / week Ė what are my options?
We recommend the independent home program for individuals who find it too hard to get here 2 or 3 times a week or who have an irregular work schedule. The home program consists of 4 in person visits and 3-5 phone follow-ups with the exercise physiologist. It is designed to provide a program that the individual can do on their own. Subsequent visits are used to modify the program as needed.
Do we exercise during each session while in the home program?
Not always. At session 1, the exercise physiologist will collect information about your exercise history and will want to know what equipment you have available. You will be taken to the gym and will be shown how to do the cardio portion of your program. At session 2, the exercise physiologist will give you some weight training exercises & stretches to add to your program. At session 3, you will discuss how your program is progressing and see if any modifications need to be made. Session 4 takes place once youíve completed your final aerobic capacity assessment. At that time, your long-term exercise plan will be determined.
Do I need equipment for the home program?
Not necessarily. It is better to have exercise equipment at home or in your building such as a bike or treadmill OR have a gym membership. The reason for this is that exercising outdoors may not always be practical because of the weather. If the weather is not a concern a program can be developed for you with as little equipment as a heart rate monitor and a good pair of shoes.
Can an exercise physiologist come to my place to make me an exercise program?
You should talk to one of our kinesiologists for more information.
For further information on any of our programs, please call us at 514-489-6630