Frequently asked questions

The deadline to submit claims once coverage has been terminated is determined by your employer. Refer to Coverage.

A private room is a room with one bed in a public general hospital. A semi-private room has no more than two beds. Upon discharge, ask to see a copy of the accommodation charges to verify that they are charging you for exactly what you received.

You should only be charged if you have requested the room and signed for such accommodation. You should never be charged for hospital ward accommodation (three or more beds in a room), Intensive Care Unit (ICU) beds, Critical Care Unit (CCU) beds, or Outpatient beds (used for day surgery). Additionally, if your doctor requests that you have a private or semi-private room for medical reasons, neither you nor Manitoba Blue Cross should be billed for the room charges.

* Manitoba Blue Cross will not cover the cost of the room for panelled patients or for hospitalization due to cosmetic reasons.

Bills will be paid directly to the hospital whenever possible. In the case of a visit to a doctor's office or clinic (when coverage cannot immediately be confirmed or a facility does not bill directly), the client would pay upfront and claim for reimbursement. In the case of hospital admission (requiring a guarantee of payment, surgeries, or repatriations), most costs can be billed direct. If you are in doubt, check with the facility and be sure to engage International Travel Assistance as they will work with the hospital to coordinate this.

Many drug plans follow the Manitoba Pharmacare Drug Formulary, which means prescription drugs must be eligible under Pharmacare to be covered under these plans.

Some drugs are only allowed by Pharmacare under special circumstances (Exception Drug Status). To obtain approval, your doctor must apply to the Exception Drug Status office on your behalf. You will be notified in writing of their decision.

Visit Coverage in mybluecross® to verify if the lifetime orthodontic maximum is combined with the annual maximum for all dental work or contact us. If it is combined with the annual maximum, this means that all dental work, including orthodontic work, is limited to the annual maximum. In the next benefit year, the annual maximum will reset, but the lifetime orthodontic maximum will not.

Your coverage may be subject to a usual and customary fee for an eye exam or a per visit maximum. If this is the case, your claim is cut back to the allowable fee and then processed at the per cent level of your coverage.

Visit Coverage in mybluecross® to view the details of your coverage or contact us.

Information that could identify any individuals seeking Employee Assistance services will not be provided to an employer. Only general statistical information regarding the number of individuals utilizing the Employee Assistance Program is sent to employers.

Yes. You may submit a claim for a spouse or dependent with coverage under another plan through mybluecross® as long as they have submitted the claim under their primary plan first.

All HSA claim payments are subject to your plan’s minimum payment threshold, which must be reached before payment will be issued. If the threshold is not met, Manitoba Blue Cross will pay eligible expenses at the end of your claim limitation period or when we pay you a claim under your core benefits.

You can see what the minimum payment amount is for your plan, click View coverage and select Health Spending Account.

Gotodoctor.ca is a trusted virtual care/in-person physician care provider that conveniently connects you with professional healthcare wherever you are, on your own schedule, to save time and effort. Gotodoctor and its partner Enhanced Care have operated virtual healthcare clinics since 2012.

From medical questions and prescription renewals to laboratory diagnostic requests and referrals, the Gotodoctor team supports you as part of your Manitoba Blue Cross health benefits plan.

Gotodoctor’s network of more than 250 virtual pharmacy clinics and in-person clinics currently available across Canada, including more than 10 locations in Manitoba, provides access to on-site diagnostic testing and comprehensive assessments, going beyond standard virtual care.

Direct deposit is safe and secure. It eliminates the risk of lost or stolen cheques and gives you quick access to your money. Unlike cheques, direct deposit payments are transferred directly into your chequing or savings account, and not subject to mail delays. No need to worry about when your cheque will arrive or when you can get to the bank — your money is there when you need it.

Visit Update Direct Deposit in the account dropdown to sign up for direct deposit.

Yes. Coordinating benefits can provide coverage up to 100 per cent of the expense. To coordinate, first claim under the plan for which you are the primary member, then claim any amount not reimbursed under your spouse's plan.To claim under the second plan, submit your statement from the first carrier showing payment or denial of your claim. The statement must include the service date, service provider name, type of service provided, and patient name. If this information is not included on the statement, include your receipts.* When making claims for eligible dependents, you will need to first claim under the plan of the parent with the earlier birth month in the calendar year.

Your hospital bill will indicate the type of room for which you were billed. If your plan has semi-private coverage, and you were billed for a private room, you will be responsible for the difference. If you stayed in a semi-private room (no more than two beds) but were billed for a private room, contact the hospital you were admitted to for more information.

Visit Coverage with mybluecross to verify what your plan allows or contact us.

* If you are a resident of another province, your plan may only allow the semi-private room charge at Manitoba rates.

This information can be found on the Manitoba Government website.

Minimum payment refers to the lowest dollar amount that can be reimbursed at a time. This threshold is set by the employer.

• If the amount requested is less than the minimum payment, payment will be held and expenses will continue to accumulate until this threshold is met or when we pay you a claim under your core benefits.
• If the threshold is never met, Manitoba Blue Cross will pay all pending expenses at the end of the group's claim limitation period following your benefit year.

Visit Coverage in mybluecross to view your Health Spending Account (HSA) plan information including minimum payment amount, claim limitation period and benefit year.

*The minimum payment threshold applies to any outstanding HSA claim that has not been paid. If an HSA balance is requested at the time of your initial health or dental claim under the same certificate and claim is payable to you, the minimum payment threshold will be bypassed and the HSA payment will be included with this payment. In addition to this, all pending HSA payments accumulating in the account will attach to this request and be included with the HSA payment.

*Your Health Spending Account (HSA) is considered last payer (after government, spousal and student plans, etc.). If you have coverage with another carrier, you must submit an Explanation of Benefits (EOB) from that carrier before outstanding expenses can be processed through your HSA.

Patients are notified by letter if a request for coverage has been approved or denied. You can also phone Pharmacare to inquire if you have been approved.

If your vision benefit is every 24 months, this means that your vision benefit won't be available for 24 months from the previous date of purchase. It is possible your glasses were purchased within the 24 month period, even though they were in two separate calendar years.

Frequency and eligibility varies by plan. Visit Coverage in mybluecross® and view your vision eligibility to find out when you are eligible for your next eyeglass or lens purchase, or contact us.

Appointments are monitored and controlled to prevent scheduling back-to-back appointments with individuals from the same organization. You do not have to notify your employer to access our services. Employee Assistance will not disclose client or clinical information to anyone at any time without your written consent. Exceptions to confidentiality are those required by law.

The Gotodoctor team includes over 70 licensed Canadian doctors and nurse practitioners, many of whom run in-person family practices while also providing virtual care with Gotodoctor. You will be treated by a health professional that resides in the same province.

To ensure you have the necessary support, Gotodoctor also has a team of in-house specialists in psychiatry, orthopedics, internal medicine and workplace safety.

You can request a specific doctor when booking your appointment for continuity of care. (Appointments are subject to availability, but requests will be accommodated when possible.)

Money cannot be withdrawn from your account. Direct deposit only allows Manitoba Blue Cross to deposit claim payments into your account.

If both plans are with Manitoba Blue Cross and we have the most up-to-date information on file, you can submit one claim and it will automatically be considered under both plans. Contact us if you need to update your coordination information.

Verify charges to your plan by contacting the hospital you were admitted to. You should only be charged if you have requested and signed for such accommodation. You should never be charged for hospital ward accommodations (three or more beds in a room), ICU (Intensive Care Unit) beds, CCU (Critical Care Unit) beds, or outpatient beds for day surgery. Additionally, if your doctor requests that you have a private or semi-private room for medical reasons, neither you nor Manitoba Blue Cross should be billed for the room charges.

* Manitoba Blue Cross will not cover the cost of the room for panelled patients or for hospitalization due to cosmetic reasons.

This information can be found on the Manitoba Government website.

If your drug is approved by Pharmacare, you will be notified in writing.

Prior to filling your prescription, upload your Pharmacare EDS approval letter. Manitoba Blue Cross will then update your file and process all applicable claims for the drug specified, according to the dates indicated in the letter.

Important: If you prefer to mail your Pharmacare EDS approval letter, you must include your certificate number.

No. Case records are kept confidential and handled in compliance with all applicable federal and provincial laws. No information regarding your appointment can be released to anyone, including your spouse, without your consent.

If the balance remaining is less than the minimum payment, payment will be held and expenses will continue to accumulate until this threshold is met or when we pay you a claim under your core benefits. Minimum payment refers to the lowest dollar amount that can be reimbursed at a time. This threshold is set by your employer. Visit Coverage in mybluecross to view your Health Spending Account (HSA) plan information including minimum payment amount, claim limitation period and benefit year.

If a prescription is required as part of your treatment, the doctor will send it to your preferred pharmacy. You can then pick it up or request home delivery (if available). If you do not have a preferred pharmacy, Gotodoctor will offer a list of nearby pharmacies to choose from. (Your chosen pharmacy will be saved for future use.)

At Manitoba Blue Cross, we respect your privacy and take protecting it seriously. Your personal information is held in strict confidence. We do not sell or share your information with anyone else.

Sensitive information (such as login credentials or bank account information) is stored within secure databases, using the latest in data protection systems. Manitoba Blue Cross uses a secure sockets layer (SSL) to protect your sensitive information, in addition to other physical, technological and organizational safeguards.

If a person is a member of more than one plan, the adjudication priority is as follows:The employer plan where the member is an active full-time employeeThe employer plan where the member is an active part-time employeeThe employer plan where the member is a retireeThe individual plan that a member has purchased on their ownThe plan where the person is covered as a dependent

Recognized hostels in Manitoba include:

• Lennox Bell Lodge (associated with the Health Sciences Centre)
• Misericordia General Hospital Lodge (associated with Misericordia General Hospital)
• Grace Hospital Complex Site (associated with Grace Hospital)
• Ronald McDonald House A Port in the Storm (associated with St Boniface Hospital)

Visit How to submit a travel claim for information on making a travel claim.

• Generic drugs contain the same active medicinal ingredients and quality as their brand-name counterparts. In Canada, generic drugs are strictly regulated and must meet certain clinical standards in order to be substituted by the pharmacist.
• To be approved, generic drugs must include the same active ingredient, provide the same strength per dosage, and be administered the same way (oral, topical, or injection). The non-medicinal ingredients of a generic brand are the only component that can differ.
• Generic products normally cost less and can therefore reduce the costs of your health plan. To keep your plan costs down, ask your doctor or pharmacist to prescribe the generic drug whenever possible.

Yes. Contact the Employee Assistance Centre at 1.800.590.5553 (toll-free) or 204.775.0586 (TTY) to find out how we can help. We have a network of providers across 23 rural and northern Manitoba communities.

Our terms and conditions are in place to protect the validity of the Online Claims Submission system. If you have questions or concerns about any of the terms listed, contact us.

• Manitoba Blue Cross may verify the accuracy of the claim being submitted by asking you to submit the receipt(s) and, if needed, further supporting documentation. If requested, you agree to send us this information within 30 days of the request.
• Manitoba Blue Cross reserves the right to request that you submit your claim receipt(s) and supporting documentation within 12 months of submitting your claim.
• Manitoba Blue Cross reserves the right to remove your access to Online Claims Submission without notice.
• Manitoba Blue Cross may deny your online claims and terminate your coverage if you provide false, incomplete, or misleading information.
• Manitoba Blue Cross reserves the right to deduct any monies or overpayments that you may owe to Manitoba Blue Cross from your future claim payments.

For details on your plan’s specific claim limitation period and to see if you have a claim- or credits-carry-forward plan, click View coverage and select Health Spending Account. (If the carry forward field is blank, neither carry-forward plans apply.)

If your claims carry forward: If your eligible expenses in a benefit year are more than the credits you have in your HSA, the excess will be carried forward into the new benefit year, deducting from that year’s credits. Carryover expenses must be claimed before the end of the claim limitation period and cannot be carried forward more than one benefit year.

If your credits carry forward: Any credits remaining at the end of your benefit year will be eligible for use in the next benefit year. (Credits cannot be carried forward more than one benefit year.) To make use of your annual credits, eligible expenses from the previous benefit year must be claimed before the end of the claim limitation period in the new benefit year, with carry-forward credits being used first (as noted in your mybluecross account).

If your claims or credits cannot be carried forward: If you do not have a carry-forward plan, claims for any unused HSA credits at the end of the policy year must be submitted within the claim limitation period in the new benefit year. Any prior year’s credits remaining after this claim limitation period cannot be used.

For example, if your credits do not carry forward and your plan benefit year is January to December with a claim limitation period of one month, you have until the end of January in the new benefit year to submit a claim towards your HSA.

Claims will remain unpaid if there are no available credits remaining at the end of the benefit year.

If the doctor determines a lab order or referral is required, this can be provided through the Gotodoctor service.

Yes. We have a selection of personal plans available to meet your needs.

If you are transitioning from another plan with comparable coverage, avoid the three-month dental waiting period by applying within 60 days of loss of coverage. Coverage will be continuous as long as you pay premiums for the first month of coverage loss.

Visit Claims in mybluecross® to view the status of your claims. Claims are processed in the order in which they are received. A Health Spending Account (HSA) claim will need to be first processed under your health or dental plan before it can be submitted to your HSA.

Do not worry as this can sometimes happen. Billing departments are not always located within the medical facility and are often a separate service. As a result, there are times when CanAssistance makes a payment to the medical facility, but this information does not reach the billing department immediately. In the mean time, an automatically-generated reminder bill may be sent to the member. If you receive a bill from a collection agency, contact CanAssistance at 1.866.601.2583 (toll free). CanAssistance will contact the facility and the collection agency and have this rectified. Continue to forward any new bills you receive to CanAssistance, with reference to your existing claim.

If your doctor prescribes a brand-name medication, ask if a generic alternative is available. You can also ask your pharmacist to substitute a generic version when your prescription is filled.

For details on your plan’s specific claim limitation period and to see if you have a claim- or credits-carry-forward plan, click View coverage and select Health Spending Account. (If the carry forward field is blank, neither carry-forward plans apply.)

If your claims carry forward: If your eligible expenses in a benefit year are more than the credits you have in your HSA, the excess will be carried forward into the new benefit year, deducting from that year’s credits. Carryover expenses must be claimed before the end of the claim limitation period and cannot be carried forward more than one benefit year.

If your credits carry forward: Any credits remaining at the end of your benefit year will be eligible for use in the next benefit year. (Credits cannot be carried forward more than one benefit year.) To make use of your annual credits, eligible expenses from the previous benefit year must be claimed before the end of the claim limitation period in the new benefit year, with carry-forward credits being used first (as noted in your mybluecross account).

If your claims or credits cannot be carried forward: If you do not have a carry-forward plan, claims for any unused HSA credits at the end of the policy year must be submitted within the claim limitation period in the new benefit year. Any prior year’s credits remaining after this claim limitation period cannot be used.

For example, if your credits do not carry forward and your plan benefit year is January to December with a claim limitation period of one month, you have until the end of January in the new benefit year to submit a claim towards your HSA.

Claims will remain unpaid if there are no available credits remaining at the end of the benefit year.

Sometimes virtual care alone is not enough. Gotodoctor’s wide network of virtual clinics located inside pharmacies/facilities, allow for an enhanced level of care. The Gotodoctor doctor can work with the on-site pharmacy team and healthcare professionals to provide additional diagnostic tools and assessments to best support your health.

If you have benefits through an employer or group: Contact your plan administrator to determine the effective date of your plan.

If you have purchased benefits through Manitoba Blue Cross or an agent: Your benefits will become effective on the first of the month following the effective date. There is a three-month paid waiting period* for dental.

*If you are transitioning from another plan with comparable coverage, we will waive the dental waiting period provided you apply within 60 days of loss of coverage.

• If your claim is submitted electronically, you will receive an email advising you when a claim has been processed. Visit Claims to view the details of your claims.

To ensure the length of your trip did not exceed coverage restrictions, we require proof of travel dates to confirm your departure and return to your home province.

The following forms of proof are acceptable:

• Receipts of any kind that have dates and addresses
• Hotel receipts that show when you checked in and out
• Credit card statements (with your credit card number blacked out/redacted) that show purchases that occurred while at your destination and then while at home
• An airline itinerary with boarding passes

Paper claims may take up to 15 business days to process. This does not include the time needed by Canada Post to deliver your claim to us or the time required to process your claim through your health or dental plan if needed.

Provided the HSA claim was received within your group's claim limitation period, it is still considered eligible and will be included in the next payment run. Cheques are mailed every Wednesday and direct deposit payments are transmitted every Monday, Wednesday and Friday.

To avoid delay, sign up for direct deposit and gain access to HSA Online Request. This service allows you to request reimbursement for outstanding balances previously submitted to your health or dental plan. If you have receipts or unpaid balances with another carrier, be sure to submit an Explanation of Benefits (EOB) from that carrier so we may add these outstanding expenses to your account.

Yes, all prescriptions are subject to a Maximum Days Supply policy of 100 days per Manitoba Pharmacare guidelines. Exceptions will be made when travelling provided the patient has applied for a Term Certificate from Pharmacare.

You can be reimbursed for eligible expenses up to the amount of credits available in your HSA at the time of the submission. If yoiur claims cannot be carried forward, any additional costs will not be reimbursed and are forfeited, in accordance with The Income Tax Act. To maximize credit use, members should request reimbursement during the benefit year, ideally at time of expense. If you have a claims carry forward plan, the excess will be carried foward into the new benefit year, deducting from that year's credits.

There are over 250 in-person pharmacy locations currently available throughout Canada, including more than 10 located in Manitoba. Additional locations continue to be opened, providing you with convenient patient-centric primary care service nationwide.

You can find a current list of virtual clinic locations here.

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If you have benefits through an employer or group: Contact your plan administrator to determine cancellation eligibility based on the rules of your plan.

If you purchased benefits through Manitoba Blue Cross or an agent: You may request cancellation at any time; however, re-enrollment would have to be authorized by Manitoba Blue Cross (unless you have cancelled as a result of obtaining comparable coverage through an employer, group or spouse).

To cancel your coverage, notify Manitoba Blue Cross in writing (by email or letter). Upon receipt of notification, your coverage will be cancelled on the last day of the following month.

If the Paid Amount is $0.00, click on your claim to view details. If the claim status is Processed and a Paid Amount is indicated, a payment will be direct deposited within 1-3 business days from the Processed date. Cheque payments are issued weekly.

Typically, we allow 30 business days to process a travel claim; however, processing time is unique to each travel claim and depends on the complexity of the claim.

This processing time does not include the time needed by Canada Post to deliver your claim to us, nor the time it takes to receive all bills and records from applicable service providers. Please keep this in mind when verifying your claim's status and continue to forward any new bills you receive, with reference to your existing claim.

Yes, you may purchase more than the maximum 100-day supply limit if you will be travelling with the intention to return to Manitoba, and have acquired a Term Certificate from Pharmacare.

If your plan has BlueNet, your pharmacy will need a copy of the Term Certificate to process the claim. If you are submitting a paper claim, include a copy of the Term Certificate for processing.

In addition to virtual care coverage as part of your benefits plan, you can access Gotodoctor’s Health System Navigator service at half price. (Manitoba Blue Cross members pay $125 per use; retail cost is $250 per use.)

With this beneficial resource, you get a personal healthcare assistant who can:

• get you faster appointments for a specialist, doctor or imaging tests.
• find family physicians accepting new patients.
• identify public healthcare options and resources available.
• provide recommendations on additional resources available under employee benefits and other sources.

To access Health System Navigator, visit gotodoctor.ca/mbbluecross.  Click Book now, enter your Manitoba Blue Cross certificate number and choose Health System Navigator to submit your request.

If you have benefits through an employer or group: Contact your plan administrator to determine re-enrollment eligibility based on the rules of your plan.

If you have purchased benefits through Manitoba Blue Cross or an agent: You may be eligible to re-apply. Contact Manitoba Blue Cross or your insurance broker/agent.

Claim information is current as of today; however, recent transactions may still be in process. Claim information does not include claims received by our office but not yet entered, or claims incurred but not yet submitted.

If you provided your certificate or policy number upon admission, the medical facility may forward your invoice directly to CanAssistance, Manitoba Blue Cross's emergency travel assistance provider for processing; however, you will still need to complete the necessary forms. Once CanAssistance receives your claim forms, they will attach them to the invoices received to process the claim.

* Ensure the medical facility knows to send all documents to Manitoba Blue Cross, not their local Blue Cross or Blue Shield.

Explain what happened to your pharmacist. A pharmacist can override an early prescription refill if your medication is lost, destroyed, or stolen. A note will be made in your file.

No, unused credits will not be reimbursed to you. In accordance with The Income Tax Act:

• Health Spending Account credits may only be used to reimburse medical expenses within a specified time period.
• In order to receive reimbursement, you must claim an expense.
• Credits not used within the specified time period are forfeited. (If you have a credits carry forward plan, any credits remaining at the end of your benefit year will be eligible for use in the next benefit year. Credits cannot be carried forward more than one benefit year.)

No. Virtual care coverage is not available to those travelling outside of Canada due to legislative restrictions of the College of Physicians and Surgeons of Manitoba or equivalent bodies in other provinces. Health care is governed by provincial legislation which can vary between provinces and internationally.

If you are outside of Manitoba and need medical support, click here for information on Manitoba Blue Cross travel coverage (if applicable) or contact your travel insurance provider.

Visit Coverage in mybluecross® to view the details of your coverage.

No, a pre-authorization is not required for claim approval; however, without a pre-authorization claim coverage cannot be guaranteed. To avoid unexpected costs associated with a product or service recommended by a provider, ask your provider to send in a detailed description of the service or product with the estimated charges. Manitoba Blue Cross will then provide pre-authorization based on benefit eligibility, frequency limitations and maximums outlined by your plan.

Ask your pharmacist or contact us to find out if a drug is considered a regular Pharmacare drug. You can also enter the Drug Identification Number (DIN) on the Pharmacare website.

No, your HSA credits can only be paid out to you, the member.

Yes, Gotodoctor.ca takes the protection of personal health information very seriously. They employ strong security safeguards to protect the confidentiality, integrity and availability of data, protecting your information in ways that meet all privacy law and industry standards.

All back-end electronic medical records and video conferencing services are certified by provincial health authorities and ISO Security Standard. Gotodoctor maintains the highest standards of security to ensure that all patient data is safely secured and adheres to all Privacy Information Protection and Electronic Documents Act (PIPEDA) requirements, set forth by the Government of Canada, and the Personal Health Information Protection Act (“PHIPA”) as enacted by the Government of Ontario.

Learn more about Gotodoctor’s privacy policy here.

Our Blue Advantage® program provides you with discounts on medical, vision and many other products and services offered by participating providers online and in-person across Canada. These savings are available to all members, regardless of coverage type, and do not have to be covered under your benefits plan.

Visit Documents to view or print a copy of your claim. A duplicate statement can also be issued, for a fee, by contacting us.

If your employer terminates your coverage when you start maternity leave, you may submit Health Spending Account (HSA) expenses incurred during the time you were covered, provided they are submitted within the claim limitation period or termination grace period (whichever occurs first).

Visit Coverage in mybluecross® to view your HSA plan information including claim limitation period and benefit year.

Manitoba Pharmacare is a drug benefit program available to all Manitobans. The program covers 100 per cent of eligible drug costs once a deductible is reached. Pharmacare drugs paid for by your Manitoba Blue Cross plan count towards your deductible.

As part of your virtual/in-person physician care benefits, you are also eligible to save 20 per cent off regular-priced Rexall-corporate brand products every day, including*:

To access your exclusive savings, register for Preferred Perks at https://www.letsbewell.ca/preferred-perks and link to a new or existing Rexall Be Well^™ account using access code gotodoctor. (Please allow up to 24 hours for the activation to take effect in your Be Well account. You’ll receive an email confirmation once the linking is complete.)

Download Rexall’s Be Well app on your smartphone and show the card in app to save, plus earn points for even more savings! (If you’d prefer a physical card, visit any Rexall location and ask a team member for the Be Well card and follow the instructions above to link Preferred Perks to your Be Well account.)

*Prescription medications and some other products are excluded from the Preferred Perks program. Eligible brands are subject to change.

Manitoba Blue Cross produces a statement called an Explanation of Benefits (EOB) for every claim processed. If your claim is only partially paid, your EOB will indicate whether any deductibles, maximums, or co-payments have been applied to the payment of your claim.

If your employment ends mid-year, you may submit HSA expenses incurred during the time you were covered, provided they are submitted within the claim limitation period or termination grace period (whichever occurs first).

Visit Coverage in mybluecross to view your Health Spending Account (HSA) plan information including claim limitation period and benefit year.

Each year, you are required to pay a portion of your prescription drug costs. This amount is your annual Pharmacare deductible. The province sets your deductible based on your previous two year's income tax returns.

When you register under Manitoba Pharmacare, you will receive a letter confirming your deductible. Pharmacare drugs paid for by your Manitoba Blue Cross plan count towards this deductible. Estimate your deductible.

Click Blue Advantage on the home page of your mybluecross online account or go to blueadvantage.ca to view a complete list of participating providers and eligible savings.* When paying for your product or service in person, mention the BlueAdvantage program and present your Manitoba Blue Cross ID to enjoy your savings or follow the instructions at blueadvantage.ca to save online. (Please set your region to Manitoba or your respective province to see all the Blue Advantage offers available to you.)

*The list of providers and types of savings available are subject to change without notice.

Manitoba Blue Cross does not return receipts. Instead, we produce an Explanation of Benefits (EOB) statement. Your EOB provides information that may be required for tax purposes, as well as any deductibles, maximums or co-payments applied to the payment of your claim. Your EOB can also be used to coordinate coverage if you have coverage under another plan. If you need to keep your original receipt, Manitoba Blue Cross will accept photocopies for claim processing.

Manitoba Pharmacare is a provincial drug benefit program available to all Manitobans. The program covers 100 per cent of eligible drug costs once a deductible is reached. Pharmacare drugs paid by your Manitoba Blue Cross plan count towards this deductible.

To protect your plan, Manitoba Blue Cross temporarily suspends drug payments once you reach a specific dollar threshold (amount varies by plan). This ensures your plan does not pay for prescription drugs covered by Pharmacare.

Yes. Visit the Update direct deposit in your mybluecross account dropdown to set up direct deposit using your account number, transit number, and bank number (located on your personal cheque or in your online banking account details). Banking information will be updated within one business day.

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Yes. Visit Manage Account in mybluecross® to set up direct deposit using your account number, transit number, and bank number (located on your personal cheques). Banking information will be updated within one business day.

Your Health Spending Account (HSA) is administered in accordance with Canada Revenue Agency guidelines which state that an HSA must be the last payer (after government, spousal and student plans, etc.).

To register for Pharmacare:

1. Ask your pharmacist for an application or find a form online.
2. Select your preferred method of enrollment:
3. ~Option A - One-Time Enrollment*
4. ~Option B - Annual Application

*We recommend the One-Time Enrollment so you do not have to reapply each year. This will ensure uninterrupted processing of eligible drug claims.

Once registered, you will receive a letter confirming your deductible. As Pharmacare will not release information to a third party, you must upload your registration letter. Manitoba Blue Cross will then resume processing all eligible claims.

Important: If you prefer to mail your registration letter, you must include your certificate number. Please note dependents age 18 and older are assigned a separate Manitoba Health registration number and must submit their own Pharmacare registration letter.

Visit Coverage in mybluecross® to view your coverage details.

In accordance with Canada Revenue Agency guidelines, a Health Spending Account (HSA) must be last payer (after government, spousal, and student plans, etc.). If you have benefits with another carrier, you must submit the claim to that carrier before we can process any remaining balances through your HSA.

Once submitted, please attach the secondary carrier's Explanation of Benefits (EOB) via mybluecross® showing payment or denial of your claim. This will allow us to process any remaining balances through your HSA.

A dispensing fee is the amount charged to you by the pharmacy for dispensing the drug. Dispensing fees can differ from pharmacy to pharmacy making a big difference in the total cost of the prescription. Claim data indicates that dispensing fees can range from $4 to $20 or more per prescription across different pharmacies. Inquire at your pharmacy to find out what their dispensing fee is. To reduce the dispensing costs on your prescriptions, you can shop around to find the best price.

*You can also reduce dispensing costs by purchasing a three-month supply of a prescription drug at one time rather than paying a dispensing fee each month.

Dependent coverage termination varies based on your plan. Refer to your benefit booklet or contact us for more information.

Online Claims Submission allows only one Drug Identification Number (DIN) to be submitted per prescription. Since a compound is comprised of multiple drugs, you will need to submit a paper claim to Manitoba Blue Cross.

Provided your daughter is below Student Age, she is eligible for coverage until the day of her last exam. It is your responsibility to notify Manitoba Blue Cross when a dependent no longer meets the criteria to remain on your plan.

• If your claim payment cheque has not arrived after allowing for sufficient mailing time, contact us to request a bond form for replacement. We recommend allowing Canada Post three weeks to ensure we do not cancel a cheque that may be in transit.
• To avoid mailing delays, sign up for direct deposit and have claim payments transmitted directly to your bank account.

If a claim is in Audited status, this means it has been selected for review by our online system.Manitoba Blue Cross is committed to protecting your benefits from fraud and abuse. One of the ways we do this is by auditing claims to confirm the accuracy of information provided.Visit Insurance Fraud and Abuse to learn more.

To resolve an Audited claim, use Claim Search to find your claim and submit your receipt(s).

Important: If you prefer to mail your receipt(s), you must include the Reference Number of your audit, which you will find under Claim Details.

If you do not submit receipts for an Audited claim, we will be unable to process that claim or any future online claims.

Queued means your claim is being held for processing. This has happened because you have a claim in Audit status. When a claim is selected for audit, the system places a temporary hold on all subsequent claims. Once Manitoba Blue Cross receives the requested receipt(s) for your Audited claim, all Queued claims will be released for processing.

Visit our Insurance Fraud and Abuse page for detailed information regarding insurance fraud and insurance abuse.