9 tips for using your plan correctly
4 min.
Discover 9 tips for using your group insurance plan wisely.
- Carefully read your group insurance booklet or consult My Client Space to know the maximums that can be reimbursed for health or dental treatments, services or specific products.
- Advise your organization of your eligibility status for other medical or dental care coverage and use coordination of benefits for full reimbursement of eligible fees.
- Make sure the treatments you receive are necessary and are covered under the plan.
- Use the Provider search functionality in My Client Space to find a health or dental care provider near you who meets the business practice standards recognized by iA Financial Group (Industrial Alliance Insurance and Financial Services Inc.). Furthermore, make sure the medical or dental care provider has the appropriate qualifications and meets the requirements of your plan (i.e., member of a college/association recognized by iA Financial Group).
- Stay away from health or dental service providers assuring you that their services are covered under your plan without checking first and report providers that are trying to trick you into submitting false claims.
- Never give anyone (especially health or dental care providers) your policy and certificate numbers or any other information about your plan in exchange for money or other incentives. Report those who request that information.
- Never leave a blank claim form bearing only your signature with a health or dental care provider. They could easily commit fraud in your name.
- Never submit a claim before you have received the treatment, service or product. You always need a clear invoice as proof of services rendered.
- Review your Explanation of Benefits statements or your claims history profile regularly in My Client Space to ensure that the expenses were incurred by you and/or your dependents.