Payment and Reimbursement
- Can I pay in
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
Excellence, Manulife, Desjardins, Sunlife,
Blue Cross and Great West Life.
- Is the program tax
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
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
- 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
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
- 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
- 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
- Do I need to buy
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
- 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
- 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
- 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
- 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
- Do I have to see a
CHIP physician prior to starting the
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
- 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
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
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
Independent Home Program and Private
- I live far away and
canít come 3 times / week Ė what are my
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
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
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
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