Step-by-Step Guide to Filing Claims with Chamber
1. Log In or Register on My-Benefits
- New Users:
- Visit my-benefits.ca and click “Sign Up”.
- Enter your Firm Number, Certificate Number, and personal details exactly as they appear on your insurance card
- Existing Users:
- Log in with your credentials. The same login works for the My-Benefits mobile app
2. Submit a Claim Online
- From the Dashboard:
- Click “Submit a Claim” on the top-left corner.
- Banking Information:
- Confirm or update your direct deposit details to ensure reimbursements are deposited within 48 hours of approval
- Claim Details:
- Select the Patient: Ensure the name matches the invoice (e.g., yourself, spouse, or child).
- Service Type: Choose from Health, Dental, or Paramedical (e.g., massage therapy).
- Service Date & Cost: Enter the exact date and amount charged by the provider.
- Accident-Related?: Indicate if the service was due to an accident (e.g., car crash).
- Coordination of Benefits: Disclose if you have secondary coverage (e.g., a spouse’s plan)
- Upload Receipts:
- Attach digital copies of original receipts (JPEG, PDF, or PNG). Do not combine multiple claims into one upload
- Review & Submit:
- Double-check all details and click “Submit”. Track your claim status under “Claims History”
3. Direct Billing Through Providers
- Dental Claims:
- Provide your dental office with your Firm Number, Certificate Number, and Chamber’s CDANet Carrier ID. They can submit claims directly
- Paramedical Services:
- Many chiropractors, massage therapists, and physiotherapists can bill Chamber directly. Use Chamber’s provider directory to find eligible clinics
- Pharmacy Prescriptions:
- Present your TELUS Assure drug card at the pharmacy for instant processing. If unused, submit receipts via My-Benefits
4. Mail Submission (Manual Claims)
- Download Forms:
- Use the appropriate form from Chamber’s Forms Page:
- Complete & Mail:
- Include original receipts and mail to:
Chamber Plan Claims Department
[Insert address from your policy documents] - Deadline: Claims must be submitted within 12 months of the service date
5. Special Cases
- Coordination of Benefits:
- Submit to the primary insurer first (e.g., your plan), then to Chamber for remaining costs. For children, start with the plan of the parent born earlier in the year
- Disability/Critical Illness Claims:
- Download forms from My-Benefits. Submit completed forms to Chamber’s Service Centre at 1-800-665-3365 or info@johnstongroup.ca
- Travel Insurance Emergencies:
- Contact Voyage Assistance immediately (numbers on your wallet card) before incurring expenses
Tips for Faster Reimbursement
- Direct Deposit: Enroll via My-Benefits to skip waiting for checks.
- Mobile App: Submit claims by snapping photos of receipts on the My-Benefits app.
- Original Receipts: Ensure receipts include:
- Provider name, license number, and address.
- Service date, description, and total cost.
- Track Claims: Use the dashboard to monitor Pending → Processed status updates.
Common Issues & Solutions
- Denied Claims:
- Check for missing receipts or incorrect patient details. Resubmit with corrections.
- Delayed Processing:
Frequently Asked Questions (FAQs): Chamber Insurance
1. Does Chamber cover paramedical services like massage therapy or physiotherapy?
Yes! Chamber Plan covers massage therapy, chiropractic care, physiotherapy, and acupuncture under most extended health plans. Coverage limits vary by policy—check your plan details on My-Benefits.ca or contact your HR department
2. Can Panda Clinic bill Chamber directly?
Yes, for eligible services. Many healthcare providers, including chiropractors and physiotherapists, can submit claims directly through Chamber’s TELUS eProvider network. Provide your Firm Number and Certificate Number at your appointment
3. What documents do I need to submit a claim?
- Original receipts (photocopies not accepted) with:
- Provider name, license number, and address.
- Service date, description, and total cost.
- Completed claim form (download from My-Benefits)
4. How long does Chamber take to process claims?
- Online/mobile submissions: Processed within 48 hours, with direct deposit reimbursements
- Mail submissions: Allow 7–10 business days plus mailing time.
5. What’s the deadline to submit claims?Claims must be filed within 12 months of the service date. Travel insurance claims require submission within 90 days of returning home 6. Can I use Chamber with another insurance plan (e.g., my spouse’s)?Yes! Chamber supports coordination of benefits:
- Submit to your primary insurer first (e.g., your employer’s plan).
- Submit remaining costs to Chamber.
For children’s claims, start with the plan of the parent born earlier in the year
7. Does Chamber cover mental health services like counselling?Yes! Most plans include coverage for psychologists or social workers. Check your policy under “Extended Health” on My-Benefits for session limits (e.g., $500/year) 8. How do I check my remaining coverage?
- Log in to My-Benefits → Navigate to “Coverage Details”.
- Call Chamber’s Service Centre: 1-800-665-3365 16.
9. How do I submit travel insurance claims?
- Before traveling: Contact Voyage Assistance (numbers on your wallet card) for emergencies.
- After returning: Submit receipts and a completed Travel Health Claim Form online or by mail 115.
10. What if my claim is denied?Common reasons include:
- Missing receipts or unsigned forms.
- Exceeding annual coverage limits.
- Services not eligible under your plan.
Resubmit corrected claims via My-Benefits or contact the Service Centre at info@johnstongroup.ca
Tips for Faster Reimbursement
- Direct Deposit: Enroll via My-Benefits to skip waiting for checks
- Mobile App: Submit claims instantly by snapping photos of receipts
- Provider Direct Billing: Use Chamber’s provider directory to find clinics that bill directly
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