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Frequently asked questions

  1. What is the policy number for our Supplemental Health plan and our Dental Plan?
  2. What are the name, address and phone number of our insurer?
  3. How may I obtain various benefits forms?
  4. I have family coverage but only my name appears on the two drug cards I received. Can my spouse still use one of the cards?
  5. I have unclaimed expenses from last year. What is the deadline to submit claims for these charges?
  6. My spouse is also covered for benefits through his/her employer. How do I submit claims?
  7. What happens to my drug coverage when I turn 65?
  8. What are the contribution rates for coverage under the McGill benefit plans?
  9. My dentist has recommended extensive dental work. How can I find out if this will be covered under my dental plan?
  10. My deferred drug card was recently rejected at my pharmacy because of an incorrect birth date. What does this have to do with my claim being rejected?
  11. What do I do if my deferred drug card is lost or stolen?
  12. Who do I contact to make changes to my benefits coverage??
  13. I will be travelling. Do I need to notify the HR Service Center??


    1. What is the policy number for our Supplemental Health plan and our Dental Plan?

    The policy number for both our Supplemental Health plan and our Dental Plan is 85210
    .

    2. What is the name and address of our insurer for the Supplemental Health and Dental plans?

    Our insurer is: Manulife Financial

    Health Claims mailing address:


    Group Claims Department
    PO Box 2580, STN B
    Montreal, Qc H3B 5C6


    Dental Claims mailing address:


    Group Claims Department
    PO Box 5000, STN B
    Montreal, Qc H3B 4B5

    Claims drop off location:

    Manulife Financial
    2000 Mansfield,
    2nd floor

    Manulife Customer Service Center: 1-800-268-6195.

    3. How may I obtain forms (health/dental, tuition assistance, staff dependant tuition waiver)?

    These forms can be downloaded here:

    Health:

    Health Claim Form
    Demande de règlement - Assurance-maladie complémentaire

    Dental:

    Dental Claim Form
    Demande de règlement - Soins dentaires

    Tuition Assistance and Staff Dependant Tuition Waiver forms can be downloaded here: FORMS

    These forms can also be obtained from the HR Service Center at 688 Shebrooke St. West, 15 floor, Rm 1520 or by calling 514-398-4747.

    4. I have family coverage but only my name appears on the two drug cards I received. Can my spouse still use one of the cards?

    Yes. This is the format used by Manulife where only the Plan Member's name appears on the drug card. You spouse can use one of the cards as their information is already coded on Manulife's system.

    5. I have unclaimed expenses from last year. What is the deadline to submit claims for these charges?

    The benefit year runs from January 1 to December 31. All medical and dental claims must be received by Manulife within 90 days of the end of the benefit year — that is, no later than March 31st.

    Claims received after this date will not be paid.

    6. My spouse is also covered for health and/or dental benefits through his/her employer. How do I submit claims?

    If both you and your spouse have health and/or dental coverage through your respective employers, you can claim payment for health and dental expenses under both plans. To coordinate payment, you will need to follow the following steps:

    • If you have incurred the expense: You must submit your claim through the McGill plan first. If there is an unpaid portion remaining, your spouse can submit a claim for this amount through his/her plan.
    • If your spouse has incurred the expense: Your spouse must submit his/her claim through his/her plan first. Any unpaid portion may be claimed through your McGill plan, provided you have family coverage.
    • If your child has incurred the expense and you both have family coverage: The claim must be submitted first to the plan of the parent whose birthday falls earlier in the year. Any unpaid portion can then be submitted under the other spouse's plan as the secondary payer.

    In either case, always take photocopies of the completed claim form and all receipts prior to sending your claim. Once you receive payment from the first insurance company, complete a new claim form for submission to the second insurance company. Attach the statement showing the amounts considered and paid by the first insurance company with photocopies of all corresponding receipts.

    7. What happens to my drug coverage when I turn 65?

    All Quebec residents are automatically insured under the province's universal drug plan through the Régie de l'Assurance-Maladie de Québec (RAMQ) when they reach 65. Drugs listed on the RAMQ's formulary are covered.

    All members of the McGill Supplemental Health plan who are 65 years of age have the choice to either

    1. Remain insured under the RAMQ drug plan (you will be required to pay an additional premium to the Régie) and continue coverage under the McGill Supplemental Health plan for all other benefits; or,
    2. Deregister from the RAMQ drug plan and enroll in the McGill RAMQ equivalent drug plan (you will be required to pay an additional premium for this drug coverage) while continuing coverage under the McGill Supplemental Health plan for all other benefits.

    For additional information, please refer to Life Events: When you turn age 65, and also the Régie de l'Assurance-Maladie's website www.ramq.gouv.qc.ca.

    8. What are the contribution rates for coverage under the McGill benefit plans?

    The information regarding monthly contribution rates for coverage under the McGill Benefit plan program is found on the Rate summary page.

    9. My dentist has recommended I have extensive dental work. How can I find out if this will be covered under my dental plan?

    If the total treatment is expected to cost more than $400, it is strongly recommended that you have your dentist submit a treatment plan or estimate to Manulife Financial before the treatment begins. This way you will know exactly how your claim will be reimbursed with no surprises!

    10. My deferred drug card was recently rejected at my pharmacy because of an incorrect birth date. What does this have to do with my claim being rejected?

    It is important that both the pharmacist and ESI have the correct birth dates for you and your dependents. The pharmacist needs the correct dates to access your coverage information and ESI needs the correct dates to identify eligible claimants.

    To correct the problem, you must contact the HR Shared Services Unit (514 398-4747). Advise them of your correct birth date. This information will be transmitted directly to Manulife Financial and subsequently to ESI. There is no need to replace your drug card. Your current card will once again be functional within 48-72 hours of contacting the HR Shared Services Unit.

    11. What do I do if my deferred drug card is lost or stolen?

    Report the loss immediately to the HR Service Center at 514-398-4747. A replacement card will be requested from Manulife, and will be mailed to you in about 2 weeks. If you require a prescription in the meantime, you can still purchase the medication and submit a paper claim for reimbursement.

    12. Who do I contact to make changes to my benefits coverage?

    It is important that you contact the HR Service Center, in writing, if you have experienced a life event - specifically marriage, divorce or separation, birth/adoption of a child or a change in your spouse's coverage. Please refer to the section 'Life events' for more information.

    13. I will be travelling. Do I need to notify the HR Service Center?

    You need to inform the HR Service Center if you are travelling on University business so that the special risk carrier, AIG, may be advised. To do this, you must complete the Employee Business Travel Information form