Are there any changes to my Plan or coverage levels?
There has been no change to your Plan.
The Board of Trustees has appointed PBAS to be the Claims Payor effective January 1, 2023.
How to download a Digital Card
The new Member Portal provides you with secure and ready access to your Plan information and your Benefit Card. Simply present your digital or hardcopy Benefit Card to your health and/or dental providers for convenient claims payment. To print your card, simply:
- Visit the "Member Portal Login"
- Click Sign In
- Enter username and password or click "Create new account" to register for the first time Enter in the “Certificate Number” located on your Benefit Card
- Click “Begin Registration” and complete all required fields
- Click "Benefit Card" on the left menu
- Save the card on your smartphone or download into your iwallet for easy access Alternatively, you can print the card
How do I use, my Benefit Card?
Prescription Drug Card: The card should be presented to your pharmacist (along with your prescription) in order to access the electronic pay-direct system. Your claim is processed immediately without the need for you to mail in a claim. Your pharmacist will advise you of any amount owing.
Extended Health and Dental Care: Present this card to your Health and/or Dental Practitioner, in order for them to access the electronic pay-direct system. Using your card allows for immediate claims processing without the need for you to mail in a claim form. Your practitioner will advise you of any amount owing, if applicable.
What can I do to ensure uninterrupted services?
PBAS can assist with setting up your health providers onto the PBAS Provider Portal, so they can submit claims electronically for processing. You only need to provide us with their contact details using the form above.
While providing this information is optional, taking advantage of this assistance will ensure that your provider is set up when you visit them, to allow for a seamless transition.
How do I submit claims?
We encourage Members to utilize their Benefit Card for quick and efficient claims processing. This limits your out-of-pocket expenses!
If you choose to pay directly for any service, you may submit your claim manually to PBAS with receipts using the following methods.
Online using the Plan Member Portal at insulators110.drawbridge.ca
Complete a Health Claim Form above, and submit along with receipts, to PBAS.
Can I submit a claim online?
Online claim submission is a quick and practical way to submit your claims for reimbursement. Simply complete the required fields and use your smartphone to upload pictures of your claim form. By submitting your claim electronically, you avoid waiting for your claim to reach us by mail.
When submitting claims online, you are required to retain your original receipts for twelve (12) months, as the Plan Administrator may request these documents at any time for audit purposes.
How long do I have to submit a claim?
Claims must be submitted to the Plan Administrator within eighteen (18) months of the date the expenses were incurred. Please note that expenses incurred prior to January 1, 2023 must be submitted to the previous insurer (Manulife).
Can claims be paid directly to my provider?
Your plan allows you to assign your reimbursement to your provider. To do so, you must obtain an agreement from your provider, as you are ultimately responsible for any amounts not reimbursed by the Plan. There is an Assignment of Benefits form available on this page, as well as in the member portal, for your convenience.
How do I know when my benefit maximums have been reached?
You can view any remaining coverage under Benefit Balance on the Plan Member Portal.
How do I sign up for Direct Deposit?
You can take advantage of direct deposit for your claim reimbursements once you have registered as a member on the Plan Member Portal and have updated your profile. You will begin to receive reimbursements by direct deposit 2-3 business days after you submit your request.
To make this process simple, have a blank cheque or direct deposit form from your bank on hand when you register. These documents include all the information required to set up direct deposit. Your payments can be deposited into a chequing or savings account. If you have another kind of account, please call your financial institution to find out what accounts you can use for direct deposit. Alternatively, you can complete the attached Direct Deposit form and submit it to PBAS.
You can change your direct deposit at any time by updating your information under your profile. It can take up to 3-5 business days to process your request. Please take note of that when changing your bank account information. To remove your direct deposit information, please contact PBAS.
Before the payment has been deposited into your account, you will receive an email detailing the payment. This is called an Explanation of Benefits. With normal bank clearing procedures, your payment should be deposited within 2-3 business days.
How do I utilize Coordination of Benefits (COB)?
If you are eligible for coverage under your spouse's benefit plan or an alternative plan, the primary benefit plan for you will be this Plan. You can coordinate this Plan with another benefit plan to receive maximum coverage.
In order to do this, you must:
Submit claim to your primary benefit plan*
Submit the unpaid portion to the secondary benefit plan*, including a copy of the Explanation of Benefit (EOB) and a copy of the original claim form.
* If your spouse has their own benefit plan, then this Plan will be their secondary plan.
If your children are covered under both benefit plans, then please first submit your child's claims to the plan of the parent whose birthday falls earliest in the year (regardless of year of birth). Once the claim is processed, any unpaid portion showing on the related Explanation of Benefits that accompanies the claim reimbursement is, then, submitted to the other parent's benefit plan for processing.
What is the new process for drugs that require pre-authorization?
Effective immediately, if your doctor prescribes any medication that requires pre-authorization, please visit insulators110.drawbridge.ca to download a pre-authorization form. The pre-authorization form should be completed by your doctor and submitted to PBAS for review. If authorization is granted, the approval will be updated to your Benefit Card to facilitate prescription drug claim payment thereafter. To find out if a drug is covered under the Plan, visit insulators110.drawbridge.ca and click on Tools to see the Drug Search.
Can I view my claims payments on the Plan Member Portal?
With the January 1st launch of the Plan Member Portal at insulators110.drawbridge.ca, all claims paid January 1st onwards will display daily so that you always have the most current information about your submitted claims. You will find Claim History information under Claim. There you also will find any history relating to applicable coverage limits such as Vision Care. In other words, you would find the date of your last Vision Care claims reimbursed, followed by the date of which your Vision Care benefit will renew for you and any applicable Dependants. On or after the date indicated, if you were to incur a Vision Care claim expense, you or your Dependants would be eligible for coverage.
You have the option to print or download the Explanation of Benefits (EOB) for any claim that you have submitted. This document details the claim information and reimbursement issued according to your Plan rules. This information is useful if you have to submit it to another insurance plan or for income tax purposes.
Can I submit feedback?
We welcome your feedback and encourage you to share your suggestions. Plan Member feedback and suggestions will assist the Trustees and PBAS with the future development and customization of your Plan. Therefore, please take advantage of the Contact form in the Plan Member Portal at insulators110.drawbridge.ca.
We look forward to hearing from you.
