How to make a claim
So you’ve got an expense and you’re ready to make a claim. Where do you start? Depending
on the expense you have a few options.
- Online Claims
- Paper forms
Paydirect options offer the most convenience if available as part
of your plan. With pay-direct, your health or dental provider can file the claim
to your insurance company on your behalf, right there at the counter. Nowadays,
most plans include a pay-direct option for prescription drugs. And most dentists
already submit claims directly to Blue Cross. All you do is provide your policy
and ID numbers at the counter and pay only for expenses not covered by your plan.
If your coverage doesn’t include a pay direct option, there are a number of expenses
that can be claimed online, but it will depend on your insurer so visit their website
to learn what expenses you can claim.
When you submit your claim online, you’ll know right away if your claim is approved
and payment will be deposited into your bank account in a few days. Be sure to keep
your original receipts as you may be asked to provide them for verification.
For expenses you can’t submit online, there’s always the paper form. You can download
forms from your insurers website. These are usually pre-filled with your personal
information such as name, address, policy and ID numbers.
Here are some tips to help ensure prompt payment when filling out a paper form:
- Be sure to enter all requested information on the form
Include all supporting documents, original receipts, but remember to keep photocopies
for your records
Keep your receipts loose and flat in the envelope with no staples, paperclips or
- Submit only one of each official receipt. Cashier or Interac receipts are not required.
- Most important: Don’t forget to sign the form
We suggest that you submit claims routinely to avoid missing the annual claiming
deadline. You can find out your claiming deadline from your plan booklet or by visiting