my-benefits for Plan Administrators

Looking for an easy way to administer your group benefits plan?

The Chamber Plan offers my-benefits, an easy-to-use online administrative tool that can be accessed by both plan administrators and employees. 

Your plan administrators can use my-benefits to access your firm's coverage and group plan information, they can enrol a new employee, calculate payroll deductions, and even terminate employee coverage. 

my-benefits® for Employers is an online administration tool that allows you to manage your Plan, calculate payroll deductions, enrol employees, and more. Let my-benefits be your online personal...

my-benefits provides you with tools and resources to better understand your group plan, making it easy for your plan administrators to access any questions they might be asked regarding employee coverage. 

How to Submit a Cost Plus Claim

Wondering how to submit a cost plus claim through your Chambers of Commerce Group Insurance Plan?

Check out this simple step-by-step video from the Chamber Plan!

Still have questions? Give us a call or send us an email! 

Coordinating Health and Dental Benefits

Coordinating benefits is common with health and dental plans; it allows employees and their dependents to make the most of their plans by combining benefits to receive 100% coverage on prescriptions and/or health and dental procedures. 

If an employee and his/her spouse both have coverage, the claims should go through the patient's plan first. Any expenses that are not covered by the patient's plan can then be submitted to the spouse's plan along with an explanation of benefits from the initial claim.

If the employee and his/her spouse have dependants, the claim goes through the plan of the parent whose birthday falls earlier in the calendar year, then to the other parent along with an explanation of benefits.  

When parents are divorced or separated, the dependant's claims should be submitted in this order: 

  1. The plan of the parent with custody 
  2. The spouse of the parent with custody 
  3. The parent who does not have custody
  4. The spouse of the parent who does not have custody

Coordinating benefits can help employees to save money on health and dental claims and ensure that they are receiving the most amount of coverage available to them. 

Advisor Advantage

Have you spent hours of your own time shopping for an employee benefits program only to find yourself getting lost in the industry speak? We know it's difficult to make sense of insurance terms, to find reasonable pricing, and to find a company you trust. 

We like to help our clients make sense of the industry by providing them with trustworthy numbers and reliable advice. 

Lots of people don't realize that we are a brokerage and we are here to shop the market for you - so let us do the heavy lifting while you sit back, relax, and choose a plan based on the work we've put in! 

One Stop Shop

We want to help you find the best deal and the best plan to suit your unique needs. Let us shop the market and put together an easy to read comparison so you don't have to!

Claims Solutions

we can help you fix those tricky claims issues that might be difficult to understand. A lot of the time, a claim hasn't actually been denied, but rather put on hold. We will help you determine how to get things moving along.

 
Friendly and Familiar

Wish you could call your insurance company and talk to an actual person rather than a pre-recorded message? We can help with that! Tell us your problems and we will talk to head office to help you solve them! 

 

The most important part of our job is to help you in any way we can - please call our office if you have any questions, concerns, or you'd just like to know a little bit more about your group plan! We're happy to chat or to set up a meeting with you. 

Deskercise!

What do you do to keep your body moving when you're at work? It's hard to sit behind a desk all day while maintaining proper posture and avoiding those delicious snacks sitting in the office kitchen, but we found some ways to keep you moving while you're in the office!

1. Tap your toes! Turn on your favourite radio station and tap your toes to the beat of each tune; this keeps your legs moving and your circulation flowing! 

Fitness

2. Take the stairs! We know the elevator is easier, but if you work on a lower floor and you're up for a challenge, try the stairs a couple times per week! 

3. Wait by the printer! Sure, this might sound a little bit boring, but why not do some calf raises while waiting for your pages to print?

4. Butt squeezes! Yeah, yeah, yeah, we know this sounds funny, but why not tone those glutes when no one is looking?! Just squeeze your cheeks together and hold for 5-10 seconds until you get tired and wait for the results!

5. Leg raises! Simply lift your legs, hold them in place for 5-10 seconds and then lower them slowly without allowing your feet to touch the ground. If it's not hard enough you can loop your purse around your feet for some extra weight. 

 

Like these tips? Check back for more next week or follow this link for the full article! 

 

What benefits do your employees really want?

There are many benefits to having an employee health and dental plan, but one of the main assets of a group plan is that it attracts and retains quality employees. 

As a company owner, you need to ask yourself which benefits would be of the most value to your employees. To make things easier for you we found an article that lists prescription drug coverage, dental care, and vision care as the most important qualities of a group benefit program.  

We can help you to find a plan tailored specially to the needs of your company and your employees. We can work within your budget, help you with prescription drug care maximums based on requirements, and can help you choose dental coverage to suit your employees. Further to that, we can discuss extended health care options, including vision coverage, that will improve your employees' quality of life. 

After implementing a plan, we can help you set your employees up with an easy-to-use mobile app to submit claims, see claims history, and register for direct deposit for claims reimbursement. Your employees can keep up to date on their coverage maximums, plan usage, and other pertinent information without the help of a third party. if they have questions about the mobile app or about their benefit plan, they can call our office directly and we can direct them while maintaining confidentiality standards. 

Similar to the mobile employee app, we can offer online plan administration, which allows you to make changes to and review all of the details of your group plan. Plan administrators can log on to the website to see taxable benefit information, billing statements, and a summary of your employee benefit program. They can also add or delete employees or make changes to a current employee if he/she experiences a life changing event, such as the birth of a new baby or entering a new marriage. 

We'd love to help create a better quality of life for your employees, so call us today for a quote or further information on the types of plans we can offer. 

 

To see the full article, please click here

Submit Health and Dental Claims on Your Smart Phone

 

 

1. Download the mobile app in iTunes or Google Play. 

Chambers of Commerce Group Plan participants can submit most health and dental claims using a smartphone or tablet. Submitting claims electronically is a convenient way to have your claims processed quickly and easily, resulting in faster reimbursement. 

 

 

 
Login, submit claims online

 

2. Enter your username and password. If you have not created an account, please visit the website to register. 

All plan members must first register online through the       www.my-benefits.ca.  You will need your firm and certificate number, which can either be found on your wallet cards or through your plan administrator. 

Once you have registered online, you can download the app and have immediate access to your plan information. 

You can even tell the app to save your ID cards and remember your username for easier sign-in purposes. 

 

 
Health care, disability, life insurance, dental benefits

 

3. Review your benefits

Upon sign in is a list of all of the benefits provided through your group plan. 

For a comprehensive explanation of each benefit, follow the purple arrow. This is a quick and easy way to review your coverage before booking health and dental appointments. 

If you have Extended Health and Dental coverage through your group plan, you can check your claims usage, next eligible service dates, remaining coverage, and a summary of previous claims. 

You are also able to access your prescription drug cards and all travel insurance information for out of province/out of country travel. 

 

 

4. See recent claims, update personal banking information, or submit claims using the menu on the left hand side of the screen.

Further explore the details of your benefits by clicking on each of of the options in the menu.

View your recent claims, change your banking information, and submit new claims for faster reimbursement.  

Side screen menu
 
Submit extended health and dental claims online

 

 

5. Submitting claims is easier and faster than ever when using the app

Fill out this form with the correct information and receive your automatic reimbursement much faster than manual claims submission. 

Select the family member who used the plan, the type of service, the date, and the amount charged. Upload a legible picture of your receipt and click submit!

 

If you'd like more information about the mobile app, or care to set up an in-person tutorial to learn the website and/or app, please contact our office. We are happy to walk you through the steps and help you make the most of your plan! 

Health and Dental Care Revisions

The Chambers of Commerce Group Insurance Plan is implementing a 12-month pilot project beginning in January, 2017. 

Currently, the Chambers Plan does not allow employees to claim services and/or treatments provided to them by their employer.

For example, a dental assistant cannot receive treatments from the dentist who he or she works alongside. 

The pilot project will revise this rule to allow employees to claim health or dental services provided to them by their respective employers. 

We hope that this rule allows for ease of access to health care providers and look forward to the positive changes this will bring to our Chambers Plan members. 

Learn more about your Health and Dental Benefits here.

Online Banking in 3 Easy Steps

Setting up the Chambers Plan as a payee through your online banking allows quick and efficient payment of your monthly premiums. 

It can be done in 3 simple steps:

  1. You will need to be registered with online banking 
  2. Set up the Chambers of Commerce Group Insurance Plan as a payee 
    1. Search for the Chambers of Commerce 
    2. Select "Chambers of Commerce Gr.Insurance 
  3. Enter your account number 
    1. Ch + Five Digit Firm Number 
      1. Example: Ch12345

Pre-Authorized Payments:

If you prefer the payments to be withdrawn from your bank account automatically, you can set up a pre-authorized payment plan. Pre-authorized payments will you time, postage, and the stress of payment deadlines. 

If you are a client who is interested in setting up Pre-authorized payments, please complete the form below and return it to our office. 

 

 

Tips for Faster Claim Reimbursement

Health and Dental claims are the most utilized options in an employee benefit plan. Follow these steps to ensure you get paid as quickly as possible! 

  1. Make sure your health or dental provider has your current address on file  to ensure claim payments are mailed to the proper location. 
  2. Sign up for Direct Deposit so reimbursements are deposited directly into your bank account. 
  3. Always be sure to carry your Chambers Plan Wallet Card with you. If you have a medical emergency away from home, you must contact Voyage Assistance immediately. 
  4. Make sure your dependents' information is filled out correctly. If you are claiming expenses for a dependent who is enrolled as a full-time student, you must indicate this on all claim forms. 
  5. If your Health option includes a drug card, make sure to present your TELUS ASSURE card at the pharmacy - this ensures the quickest possible processing of  your prescription drug purchase. 

Introducing e-claims!

Plan members can now save time, paper, and postage by submitting your health and dental claims online through my-benefits E-Claims. Here are the steps to enrol online with my-benefits:

  • Go to www.my-benefits.ca. If you're using your smart phone, do not use the mobile site. Please click "No, and continue to my-benefits." The mobile app will be coming soon.
  • Once you're reached the official website, please look in the top section and click "Sign Me Up.
  • Then click "I am a plan member" and have your beige wallet card in had. Follow the steps as prompted, your password and login information will be emailed to you. 

Once you are logged onto my-benefits, you will find a "Submit Claims" tab in the menu, this allows you to electronically submit all health and dental claims with the exception of prescription drug and travel claims. You will need to sign up for direct deposit of claim payments, you will be walked through this step if you have not already completed it. 

6 Simple steps to submitting claims: 

  1. Read and agree to the Terms and Conditions
  2. Select the patient who used the services 
  3. Select the service or product supplies (type of claim)
  4. Select the provider (dentist, optician, chiropractor, etc...) 
  5. Enter the service date and the amount charged by the provider, attach an electronic copy of the original receipt or an "Explanation of Benefits" statement from any plan that has already paid a portion of the expense 
  6. Read and agree to the "Authorization" and indicate if the claim should be paid to the insurer or the service provider. 

You will receive an email when your "Explanation of Benefits" has been prepared. You can view the status of any claim at any time under the "Claims History" tab. 

To protect the plan from fraud and misuse, claims submitted using my-benefits will be subject to random audits and verification. You will be required to retain all original documents for 12 months from the date of submission for presentation in case a claim is selected for audit. 

Health and Dental Coverage for Disabled Employees

Chambers of Commerce Group Insurance Plan 

What happens when one of your employees becomes disabled and has been approved for Long Term Disability (LTD)? Do their health and dental benefits continue indefinitely? How do you balance your corporate responsibility and your fiscal responsibility?

Whatever your firm's position is, it is important that you have a formal continuation of benefits provision that clearly states what the policy is for all employees.

As an employer, ask yourself: 

  • Should health and  dental benefits terminate for an employee who becomes terminated?
  • Disabled employees tend to have a greater need for health coverage than active employees; would you end benefits for someone in that situation?
  • Will the cost of carrying the benefits for disabled employees impact your ability to provide an affordable program for active employees?
  • What are the legal and moral implications of your policy?

The Chambers of Commerce Group Insurance Plan allows the employer to continue health and dental benefits for disabled employees, however it is important to consider the length of time your company will provide these benefits for. 

Options to consider: 

  • Continue the benefits on the same basis as if the disabled employee was a full-time active employee
  • Provide benefits for a disabled employee for a specific period of time (i.e. one or two years from the date the employee completes the LTD elimination period) 
  • Provide benefits based on years of employment. As the duration period can vary, please see the following example

Whatever you and your company decide to do, your development of a formal company policy will be based on the relative importance you place on these three issues:

  • The ongoing financial resources you are willing to commit to disabled employees
  • Your corporate responsibility as an employer to look after employees during extended periods of disability 
  • The impact that a policy could have on employee morale and employees' attitudes towards you as an employer

Though it can be difficult to establish a policy, you can fulfill your corporate and fiscal responsibilities in a manner that will be seen as fair and equitable for everyone.