Step-by-Step Guide to Filing Claims with Equitable Life
1. Choose Your Submission Method
Equitable Life offers four primary claim submission options:
- Online via Equitable Health Portal (Recommended)
- Mobile App (EZClaim)
- Direct Billing Through Registered Providers
- Mail
2. Online Submission (Equitable Health Portal)
- Activate Your Account:
- Visit Equitable Health Portal.
- Click “Register” and enter your policy number and certificate number (provided by your employer)
- Log In:
- Use your username and password to access your account.
- Submit a Claim:
- Navigate to “Submit a Claim” and select Health or Dental.
- Upload scanned copies of original receipts (JPEG/PDF/PNG) and complete the interactive claim form
- Track Status:
- Monitor progress under “Claims History”. Most claims are processed within 5–10 business days
3. Mobile App Submission (EZClaim)
- Download the App:
- Available on the App Store (iOS) or Google Play (Android)
- Set Up Your Account:
- Use your Equitable Life policy details to register.
- Submit Claims:
- Fill out the digital form, take photos of receipts, and click “Submit”.
- Note: The app is optimized for paramedical, vision, and dental claims
4. Direct Billing Through Healthcare Providers
- Confirm Provider Eligibility:
- Ask if your provider (e.g., physiotherapist, chiropractor) is registered with Equitable Life’s direct billing network 7.
- Provide Insurance Details:
- Share your policy number and certificate number at the appointment.
- Pay Only Uncovered Costs:
- The provider bills Equitable Life directly; you pay any co-pays or non-covered fees 7.
5. Mail Submission
- Download Forms:
- Complete Forms:
- Attach original receipts and include:
- Provider name, license number, and address.
- Service date, description, and total cost 410.
- Mail to Equitable Life:
- Address:
Equitable Life Insurance Company
Group Health Claims
One Westmount Road North
P.O. Box 1603, Stn Waterloo
Waterloo, Ontario N2J 4C7 414.
Key Requirements & Tips
- Deadline: Submit claims within 12 months of the service date 7.
- Original Receipts: Photocopies are not accepted for manual submissions 10.
- Direct Deposit: Enroll via the Equitable Health Portal for faster reimbursements 7.
Special Cases
Coordination of Benefits
- If covered by multiple plans (e.g., spouse’s insurance), submit to the primary insurer first, then to Equitable Life for remaining costs
Health Care Spending Account (HCSA)
- Submit uncovered expenses to your HCSA via the Equitable Client Access portal. Claims are reimbursed up to your annual employer-set limit
Tracking & Support
- Online Portal: Check status under “Claims History”
- Contact Support:
Frequently Asked Questions (FAQs): Equitable Life Insurance
1. Does Equitable Life cover paramedical services like massage therapy or physiotherapy?
Yes! Most Equitable Life group plans cover massage therapy, physiotherapy, acupuncture, and chiropractic care. Check your policy’s “Extended Health Benefits” section on the Equitable Health Portal for annual limits (e.g., $500/year).
2. Can Panda Clinic bill Equitable Life directly?
Yes, if your provider participates in direct billing. Confirm with our front desk—many clinics use Equitable Life’s direct billing network. If unavailable, we’ll provide a detailed receipt for manual submission .
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 Equitable Life’s Forms Library).
- Referral (if required by your plan, e.g., for physiotherapy) .
4. How long does Equitable Life take to process claims?
- Online/mobile submissions: Processed within 5–10 business days.
- Mail submissions: Allow 7–14 business days plus mailing time.
Tip: Enroll in direct deposit via the Equitable Health Portal for faster payouts.
5. What if my claim is denied?
Common reasons include:
- Missing receipts or incomplete forms.
- Exceeding annual coverage limits.
- Services not eligible under your plan.
Resubmit with corrections via the portal or call 1-800-265-4556 for assistance .
6. Can I use Equitable Life with another insurance plan?
Yes! Equitable Life supports coordination of benefits:
- Submit to your primary insurer first (e.g., your spouse’s plan).
- Submit remaining costs to Equitable Life.
For dependents, start with the plan of the parent whose birthday falls first in the year .
7. Does Equitable Life cover mental health services like counselling?
Most group plans include coverage for psychologists or social workers (e.g., $1,000/year). Check your policy’s “Mental Health Services” section on the Equitable Health Portal .
8. How do I check my remaining coverage?
- Log in to the Equitable Health Portal → Go to “My Benefits”.
- Call Equitable Life’s support line: 1-800-265-4556.
- Ask our Panda Clinic team—we can check your balance during appointments!
9. What’s the deadline to submit claims?
Claims must be filed within 12 months of the service date. For Health Care Spending Accounts (HCSA), check your employer’s annual deadline .
10. Do I need a referral for chiropractic care or acupuncture?
Most Equitable Life plans do not require referrals for paramedical services. Confirm with your HR department or policy documents .
11. How do I submit travel insurance claims?
- Before traveling: Call 1-800-263-1838 (Allianz Global Assistance) for emergencies.
- After returning: Submit receipts and a completed Travel Claim Form online or by mail .
12. How do I track my claim status?
- Log in to the Equitable Health Portal → Navigate to “Claims History”.
- Use the EZClaim mobile app for real-time updates .
Still Need Help?
Contact Equitable Life directly:
