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Submitting a Supplemental Health and Dental claim

As a participating member of McGill’s Supplemental Health and/or Dental plans, you have full online access to your Group Benefits with Manulife Financial to submit claims and download your benefits card which can be provided to your pharmacist, dentist, or health professional service provider. Members may access your Group Benefits through Manulife’s user-friendly and secure online platform by using a computer or mobile device.

Manulife Financial invites you to set up a unique Manulife ID with a username and password to connect to your account and start submitting claims.

How to Setup your Manulife ID (Instructions and Videos)

  • Go to https: or open the Manulife Mobile App by downloading the app (via Apple Store or Google Play) to your mobile device to access your group benefits
  • Click Set up a Manulife ID
  • Enter your name, date of birth and email address. Select a unique username and password. Click Continue
  • Next you will receive an activation email to continue setting up your Manulife ID
  • Once you receive the email, click the Activate button and you will be redirected to Manulife’s secure website confirming your Manulife ID has been activated
  • Click Sign in by using your new Manulife ID username and password
  • If prompted, add your mobile number to keep your Manulife ID secure
  • A verification code will be sent to your mobile number. Enter the code and click Continue

Once you’ve created a Manulife ID, you’ll need to connect your group benefits account to your Manulife ID. You’ll only need to connect your account once

  • Activate your group benefits plan by entering your Plan Contract Number (85210) and Member Certificate Number (your 51ԹID)
  • Click Connect
  • Once your group benefits account is connected to your Manulife ID, click Continue
  • Under your group benefit plan, click Go to the plan you want to access

For additional support, you may consult the Manulife website resources below which includes video demonstrations:


Claim Submission Deadline

Claims for health and dental expenses incurred in a benefit year must be submitted to Manulife by March 31 of the following year. Claims received after March 31 will not be accepted, even if postmarked earlier. The benefit year is from January 1st to December 31st.


How to Submit Claims

Submitting claims online is the fastest and easiest way to have your claim processed. The two main methods of submitting health & dental claims online are through Manulife’s Group Benefits Website and Manulife’s Group Benefits Mobile App.

Manulife Group Benefits Website

By using a computer, you can access your Group Benefits through Manulife's secure website:

  • Sign in to your plan on the website: https:
  • Click on the Group Benefits tile, then click Go under the plan you want to access
  • Click on the Submit a claim button
  • Click Continue to go to the “Submit a claim page”
  • Choose the plan that you want your claim paid from
  • From the drop-down menu, choose the type of service you’re claiming (health or dental)
  • Select the person the claim is for (yourself, family member)
  • Select the Service Provider
  • Enter the expense information for the claim
  • Once your claim has been successfully submitted, take note of the confirmation number for your reference
  • Keep your receipts for a minimum of one year.

Manulife Group Benefits Mobile App

By using a mobile device, you can access your Group Benefits through Manulife’s app to easily submit claims, view your most recent claims, and browse claim details:

  • Download the Manulife Mobile app (via or ) to your mobile device to access your group benefits
  • Once the app has downloaded on your mobile device, sign in with your Manulife ID (use the same login information for your benefits app that you use when signing in to your account on Manulife’s website)
  • Select Group Benefits
  • From the main navigation, select Submit a claim
  • Choose your claim type
  • Input your claim information
  • You can upload invoices and supporting documents directly on the app by taking a
  • photo or choosing a photo/file on your mobile device
  • Select Submit claim
  • Once your claim has been successfully submitted, take note of the confirmation number for your reference

Paper Claims

Paper submissions can be made by mail. Download and print a or . Claims can be mailed to the addresses listed on the form.

Pay Direct/Direct Billing

When filling a prescription, your pharmacist will send your claim electronically to Manulife and will be able to let you know immediately if the drug is covered under your plan. You will then only pay the remaining portion, normally the co-insurance amount.


Manulife Help Center

Visit and search Manulife Benefit Claims to reach Manulife’s Help Center. If you have questions about setting up your Manulife ID or if you require assistance with the claims submission process, please contact Manulife Help Center at 1-800-268-6195, Monday to Friday, 8 a.m. to 8 p.m. Eastern Time


Additional Information

Benefits Card

You can print a personalized benefit/travel card for you and the eligible dependents covered under your 51ԹSupplemental Health Plan from . Under the “My benefits” tab, choose “View my benefits card”.

When paying for medications or services, present your benefits card to your pharmacist, dentist, or health professional service provider, so that they can submit an electronic claim directly to Manulife for processing.

Provider Information

51ԹHealth & Dental Plans Insurance Provider

Manulife Financial

plan contract number (Policy Number)

85210

Plan member certificate number

Your 51ԹID

Plan Sponsor

51Թ

Customer Service/Claim Inquiries

1-800-268-6195

Family Coverage and Coordinating Payments

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 51Թplan first. If an unpaid portion is remaining, your spouse can submit a claim for this amount through their plan.
  • If your spouse has incurred the expense: Your spouse must submit their claim through their plan first. Any unpaid portion may be claimed through your 51Թplan, 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.
  • For information regarding coordination of benefit scenarios, please consult the page.

Once you receive payment from the first insurance company, submit the claims statement showing the amounts considered and paid by the first insurance company online through the insurance carrier's website or Mobile App.

Additional Information by Claim Type

Benefit Claim Process
Hospital

If the hospital bills the insurer directly:

  • Advise the admitting clerk that you are covered under plan contract number 85210 with Manulife.
  • Give them your 51Թidentification number.
  • The hospital will bill Manulife directly.

If the hospital requires that you pay the bill:

  • Obtain the completed hospitalization claim form from the hospital (keep a copy for your personal records).
  • Submit the claim form to Manulife
Private Duty Nursing

You must submit a pre-determination to Manulife before nursing services can begin; otherwise, your claim could be refused or reimbursed at a lower level. Please contact Manulife for information about the documents and details needed before submitting a Manulife Supplemental Health claim form.

Orthotics and Orthopaedic Shoes

For each claim and/or pre-determination for orthotics and orthopedic shoes, you must supply a detailed prescription from the prescribing medical practitioner indicating all of the following:

  • A diagnosis of the condition (symptoms alone will not suffice),
  • A list of symptoms and the main discomfort,
  • A description of the physical findings from the clinical examination,
  • A brief narrative description of the gait abnormality with the diagnosis,

A detailed receipt from the supplier indicating:

  • The provider's qualifications.
  • Confirmation that the orthotics or orthopedic shoes have been custom made.
Ophthalmologist If your medical claim is for an eye exam performed by an ophthalmologist who is registered with Medicare, a detailed explanation of the services rendered, as well a separate charges, must be indicated on the receipt.
Emergency medical and out-of-country/province claims For information, see Emergency travel assistance for active faculty staff or for retired employees.
Dental Claims

Pre-determination

  • If the total treatment is expected to cost more than $400, it is recommended that you submit a treatment plan to Manulife before the treatment begins to avoid surprises.

Electronic claims submission by your dentist

  • Some dentists are able to submit dental claims electronically to Manulife, in which case no paperwork is required. Simply provide your dentist with your Manulife policy number 85210 and your plan member certificate number (your 51ԹID number).

Paper claim submission

  • Before visiting your dentist, obtain a .
  • Complete Part 2 of the form.
  • Have your dentist complete Part 1 of the form.
  • You can assign your benefit payment directly to your dentist by signing in the appropriate box on the form.
  • Otherwise, sign, date and forward the completed form directly to Manulife. The address is provided on the form. Keep a copy for your records.

Dental claims as a result of an accident

  • Submit a pre-determination under the 51ԹSupplemental Health Plan using a . Include from your dentist: x-rays, details of treatment, including procedure codes, tooth #, tooth services and fees and details of the accident. Once the estimate is approved, the claim must be mailed and not submitted electronically.
Life Insurance and Accidental Death and Dismemberment Claims Your beneficiary or the executor of your estate should contact the HR Service Centre at 514-398-4747, or by hrhr [at] mcgill.ca (email) as soon as reasonably possible to advise of your death. A representative will help them complete the claims process.
Provincial Plan Replacement Coverage Refer to the Provincial Plan Replacement Coverage for further information.

Direct Deposit

Automatic Registrations

51Թprovides Manulife with the required information from your employee file (i.e.banking information, email address, etc.) to ensure that your claim payments are automatically registered for direct deposit.

This means that:

  • Your health and dental claims payments will be automatically deposited directly into your 51Թpayroll designated bank account.
  • You will receive claim payments faster -in most instances- within 48 hours.
  • You will receive an email from Manulife when your claim is processed.

If your service provider is not set up on the Manulife eClaims network

Manulife Provider eClaims service for electronic claims submission, adjudication and reimbursement was developed in partnership with TELUS Health. Your service provider will need to consult the TELUS Health website for information on how to register.

When you leave the University

You have 90 days from the day your employment is terminated to submit any outstanding claims for charges incurred before your termination date. You will no longer have access to Manulife's Secure Site once you leave the university, therefore all claims must be submitted by mail. If you need to print out a summary of your claims for income tax purposes, you must do it before leaving the university.

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