In many cases, dental offices will submit your claim electronically on your behalf. Some dental offices choose not to send claims electronically, but may provide a claim form from their computer system with their portion already complete. You then simply complete your portion, sign the form and submit it for payment. If your dentist does not provide this service, you can obtain a Dental Claim Form online. Take it with you when you visit your dentist and ensure that all portions are fully completed to avoid delays in paying your claim.

Some dental claims can be submitted online using the Plan Member Secure Site. To submit a claim online, log into your account. From the main page, select Submit a claim from the left hand menu. Confirm your banking and contact information, completing any updates as necessary. Follow the easy steps, confirming all required information about your claim, much of which will be available on your receipt. Review the Consent Authorization and when ready, select I agree and submit claim. You will receive an e-mail notification once your claim has been processed.

NOTE: You should get an estimate
If you are about to undergo a costly course of treatment (i.e., more than $300), you should have your dentist submit a cost estimate (called a 'predetermination of benefits') to us showing the planned treatment and expected costs. We'll advise you by mail how much you will be reimbursed. Your dentist should submit x-rays for predeterminations of all major services. The x-rays will be promptly returned to your dentist once the review is complete.

To help avoid any delays in processing your claim, ensure that all sections of your Extended Health Benefit Claim form are complete and that your receipts are attached. IMPORTANT: Be sure to include the name of your plan sponsor or employer, and your plan number. Check with your benefit administrator if you are unsure of this number. Include your name and identification number. It is important to indicate if you have benefits under another plan such as your spouse's plan. If this information is not included, your claim cannot be processed.

If you're claiming expenses for a spouse or child, be sure to show their name and relationship to you, and show the name of your spouse's plan sponsor or employer or your child's post secondary institution if your child is an overage dependant.

Staple original receipts to your claim form before mailing, including the pharmacy receipt, not just the cash register receipt.

For paramedical practitioner services such as massage therapy and physiotherapy, please ensure that the practitioner's licence number is on the receipt. Having the practitioner include their registration or licence number will allow for a faster payment of your claim. Staple original receipts to the claim form along with a letter from your doctor if a doctor's approval is required - see your benefits booklet or contact us at 1-866-783-6847 to confirm.

Vision care and paramedical claims can be submitted online by logging into the Plan Member Secure Site. From the main page, select Submit a claim from the left hand menu. Confirm your banking and contact information, completing any updates as necessary. Follow the easy steps, confirming all required information about your claim, much of which will be available on your receipt. Review the Consent Authorization and when ready, select I agree and submit claim. You will receive an e-mail notification once your claim has been processed.

Simply present your benefits card to the pharmacist when filling a prescription and the pharmacist will submit your claim electronically on your behalf. If your plan does not include a benefit card, you will need to pay for your prescription and then submit a claim for reimbursement in the same way you submit other types of health claims.

To register for the Plan Member Secure Site, go to www.otipservices.com and enter your plan number in the secure login area. On the next page, select Register from the left hand menu. Complete the required information to receive an activation key in the mail. When you receive your activation key, complete the registration process on the OTIP Services Web site to activate your account. You now have access to online services, including:

• direct deposit.
• online claims submission.
• e-mail alerts when your claim has been reviewed.
• access to the status of current and previously submitted claims.
• Online benefits booklets.

If you can't, or choose not to use your benefits card, keep all of your prescription drug receipts or ask your pharmacist for a year-to-date print out of your drug expenses. Submit these receipts with a completed Extended Health Benefit Claim form for reimbursement and tracking in our system.

For accuracy and efficiency and to keep an electronic history on OTIP's system, we recommend that you use your benefits card for all drug claims.

You can check the status of a claim by logging into the Plan Member Secure Site. Check under 'Claims' or 'Claims Inquiry' to see if your claim has been processed and how much was paid. If you have any questions, please contact us.

You can confirm the details of your coverage by logging into the Plan Member Secure Site, checking your benefits booklet, contacting your plan administrator or OTIP benefits services.

Information about the RTIP Gold Elite and ARM Prestige Elite health plans can be found by following the links below:

• RTIP Gold Elite
• ARM Prestige Elite

Most of OTIP's health benefit plans cover plan members while traveling outside their home province or country (for a certain period of time), and many also include Emergency Travel Assistance. Check your benefits booklet, call your plan administrator or contact OTIP benefits services to confirm that your plan includes these services. If you have emergency travel coverage, it will be indicated on the back of your benefits card. It's important to carry your card with you at all times when travelling as it contains information you will need to provide in the event of an emergency.

If you require medical assistance while travelling, before you seek treatment, contact the service provider listed on your benefits card as soon as possible so they can ensure you get the care you need without incurring unnecessary costs. The call centre is available 24 hours a day, 365 days a year worldwide.

Emergency Travel Assistance has four main components:

• Medical assistance services to help you secure treatment by a doctor or medical facility
• Emergency medical care, which covers the cost of emergency hospital and physician services
• Transportation services including ambulance services, return-trip transportation if necessary, and more
• Personal assistance, help with lost documents, assistance in accessing legal counsel and emergency messages and translation

Emergency Out of Country/Province Travel:

If an emergency should occur while travelling outside of your province of residence, please contact Allianz Global Assistance, formerly Mondial Assistance, immediately or as soon as possible at one of the following numbers:

In Canada and the United States: 1-800-265-9977
In Mexico: * + 1-800-514-3702
In the Dominican Republic: * + 1-888-751-4403
Universal International Toll Free: * + 800-9221-9221 **
In other countries use operator to CALL COLLECT: 519-741-8450
Fax: 1-800-446-7684

*Use Country Calling Code

**UITF countries include Argentina, Australia, Austria, Belgium, China, Colombia, Costa Rica, Denmark, Finland, France, Germany, Hungary, Ireland, Israel, Italy, Japan, Korea (South), Luxembourg, Macao, Malaysia, Netherlands, New Zealand, Norway, Portugal, Singapore, South Africa, Spain, Sweden, Switzerland, Taiwan, U.K. This listing is subject to change. For countries not reflected on the current list, plan members should continue to use the collect number indicated on their benefits card. Where collect or toll-free calls are not possible due to local restrictions, charges incurred by plan members for phone calls to Allianz Global Assistance will be reimbursed by Allianz Global Assistance upon receipt of itemized phone bills.

You will require proof of out-of-country travel health insurance to enter Cuba. The Cuban government now acknowledges proof of provincial health insurance (i.e., your provincial health card) as sufficient. Members are also encouraged to travel with a copy of their OTIP benefits card.

OTIP does not provide a stability clause. While you are on vacation outside of your province of residence, the Insurer will not pay travel benefits for expenses incurred for a medical condition for which, prior to departure, medical evidence would suggest that treatment or hospitalization could be required while you are on the trip.

Please contact OTIP benefits services to verify coverage. We will need the Drug Identification Number (DIN) to confirm eligibility.

Through the Assistive Devices Program (ADP), the Ontario Ministry of Health now provides 100% reimbursement for standard insulin pumps to eligible adults with Type 1 diabetes. Approved patients can also receive a grant of $2,400 annually (paid each quarter) for insulin pump supplies.

If you require reimbursement for insulin pumps or supplies:

• Submit your application for funding to the ADP.
• After the ADP has responded to your application, submit a claim to OTIP for any remaining cost of the pump and supplies. When claiming through your OTIP benefits, remember to include proof of payment and all receipts.

Benefits paid by OTIP for insulin pumps and supplies will be reduced by the quarterly grant amount from the total cost on your receipts. The remainder will be paid to you in accordance with the provisions of your contract.

For more information on claiming through the ADP, visit the Questions and Answers: Insulin Pump Therapy page on the Ontario Ministry of Health and Long-Term Care's Web site.

To add, change or delete a dependant, or if you are changing your family status (e.g. from single to couple or couple to family), please complete a Health and Dental Change form.

You can submit a change of address via the OTIP Services Plan Member Secure Site or by calling OTIP benefits services at 1-866-783-6847. To log into the secure site, go to www.otipservices.com, enter your plan number and click Submit.

The OTIP Services Plan Member Secure Site allows you to quickly replace lost or stolen health benefits cards. To access the secure site, you will require your plan number and member certificate number, which can be found on any prior claims statements, as well as the password you created when you registered. Once logged in, select Benefit card from the left hand menu. Click on the card image to open a printable version. Please print and keep the paper version of your benefits card in your wallet. If you wish to have a new plastic card sent to you, please contact OTIP Benefits Services.

Your pharmacy should have your benefits card information on its system so you can continue to make claims. For non-prescription claims or if your pharmacy does not have your card information on file, please submit an Extended Health Benefit Claim form with receipts or submit a claim online through the Plan Member Secure Site.

Please note: OTIP benefits cards are designed to be used at the pharmacy to pay for pay-direct drugs and by members who are travelling. As a result, plastic benefits cards are issued only for members with extended health care coverage. Members insured for dental or hospital coverage only can print an online version from the OTIP Services Plan Member Secure Site.

If you or your dependants are covered under more than one benefit plan (for example, your spouse's plan), you can claim up to 100% of an eligible expense by coordinating your benefits under both plans. Here's how:

• The plan that covers you as a plan member pays first. Then, the plan that covers you as a dependant pays any remaining eligible balance. Your spouse's claims should go to his or her plan first, and then any remaining balance should be sent to your plan.
• Dependant children are covered first by the plan of the parent whose birthday falls earlier in the calendar year. In other words, if your birthday falls in January and your spouse's birthday is in March, you should submit your children's claims to your plan first.

Your first benefit plan will send you an explanation of how much of your claim has been covered. You will need to send that explanation, along with copies of your expense receipts, to the second benefit plan in order to claim any remaining balance that is eligible.

OTIP Health and/or Dental Claims (based on the nature of your claim)
125 Northfield Drive West
PO Box 218
Waterloo ON N2J 3Z9