Plan Administrator website Most Insurers offer online services to assist the Plan Administrator with the management of their Employee Benefits plan. The online system allows plan administrators to make real-time changes to the plan member information, access forms, booklets, billings, member summaries, and employee information. Employee Plan Member website Employees have access to their own member site, to print their own personalized claims forms, get copies of their drug cards, view personal statements, print their own employee booklets, view their claims status, and much more. Some Online Member website provides employees with the convenience to submit claims for reimbursement online and to have reimbursement of claims directly deposited into their bank accounts. Electronic Claims Submission Many of Canada’s leading insurers are offering plan members the ability to submit their claims! E-claims are a convenient way for employees to submit claims; however, there could be an increase in fraudulent claims if the E-claims service is allowed.  As with all methods of submitting claims, fraud can be an issue.  Claims are reviewed and suspicious activity is investigated; random audits of E-claims are also conducted to ensure the claims are valid and accurate. Most plans require that upon submission of a claim, all plan members must agree to the terms and conditions of online claims and are asked to keep their original receipt(s) for a 12-month period. When a member’s claim is chosen for review, they will have 30 calendar days to submit their original receipt(s). If they fail to act accordingly, their access to E-claims service will be revoked. If covered under the insurance plan, the following types of expenses can usually be submitted online:

• Drug claims (groups without drug cards)
• Dental care (basic and preventive)
• Eye care
• Paramedical care

Mobile Applications Some insurance carriers are offering mobile applications.  Plan members can make benefits claims on the go and see the money in your account within 48 hours. Discover new ways to save by using the financial planning tools and monitoring your investments. Whether you're at the chiropractor's office, talking to your financial advisor or in line for coffee, stay connected to your plans with this app. Depending on your plan, you can:

• submit and track medical, dental and vision claims
• use your smartphone as your drug and travel cards
• check your plan balances and contributions
• access interactive tools to see how saving even small amounts can make a big difference.

Contact Us for more information!