Claims Blackout Period NEW students - August: Although coverage begins as of August 15*, there is a blackout period for the month of August. During this time, the insurance company is not able to confirm coverage and will not process or reimburse the claims of students who were not covered by the Plan up to the end of the previous policy year. Any claims for expenses incurred between August 15 and August 31 can be submitted to Blue Cross in September. Students who were covered by the Plan up to the end of the previous policy year are not affected by this blackout period.
*NEW Students in Canada: coverage begins on August 15 for the semester starting September 1. You are provided with two complimentary weeks of coverage.
- ePay - Ask your health professional
- eClaims – smartphone or online
- Quick Pay – in-person
- Mail – using forms
Please note: receipts must contain the following information:
- the type of procedure that took place;
- the cost of the procedure;
- the "Quebec Code": a four- or five-digit number associated with the exact procedure(s) that took place;
- the diagnosis; and
- the name, address and license number of your physician.
Whenever you send a claim to Blue Cross, you will receive a reply -- even if your claim is rejected. If Blue Cross refuses your claim, you will receive a report explaining why. If you receive no response within 30 days, it may be because Blue Cross never received your claim, because you submitted an incomplete claim, or because their response was sent to the wrong address. You should contact Blue Cross at 1-888-588-1212 if you have been waiting for a month or more.
Should you need to re-submit a claim, this will be much easier if you have photocopies of your receipts. Obtaining duplicate receipts from a health care provider or pharmacy can be time-consuming or even impossible.
As well, it is very important to update your address and phone numbers in Minerva, since changes you make in Minerva are sent to Blue Cross each week. Also, be sure to write your address carefully on the claim form, including your apartment number and postal code. If you plan to move, you should send Blue Cross a letter that includes your current address, the date of your move and the new address.
Basic health benefits are payable at 100% and charges are paid by Blue Cross in accordance with the Quebec Provincial Schedule of Fees. This Schedule determines the cost of every medical procedure covered by Quebec's provincial health plan. Blue Cross uses this same schedule to establish maximum amounts payable to claimants. For example, the cost of a general consultation with a family doctor is approximately $40.
Although Blue Cross determines its reimbursements according to the prices set in the Schedule, health care providers are entitled to charge more than the Schedule allows when treating patients who are not Quebec residents. As a result, Blue Cross may in some situations reimburse less than 100% of your basic medical expenses.
To avoid unpleasant surprises, ask your health care provider whether you will be charged the same rate as a Quebec resident before receiving any treatment. If an "international fee" or "administrative charge" is added, you should be aware that you will not be fully reimbursed.
We recommend that you use the McGill Student Health Clinic(only for McGill Students) for your medical needs whenever possible, as your Blue Cross card will be accepted there and you will not be charged. A list of medical clinics and health service providers close to McGill University is available here.
If you have any questions regarding your claim, contact Blue Cross at 1-888-588-1212.