Resources that may help you in your day-to-day activity
Access information about your plan benefits, eligibility, claims information and more. Here’s a quick overview of what you can do within the site:
Explore the demo today to see how easy it is to manage your benefits online!View the Demo
Make sure that your claims are processed as quickly as possible.
Understand prescription drug costs and how to save money when making a claim.
Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover.
Need entertainment planning or assistance during your trip? Take advantage of our complimentary concierge services. Here are few examples of what concierge services can help you with:
Call 1-855-603-5571 toll free in Canada or the U.S. or 905-608-8251 collect from anywhere in the world.
If you suspect fraud is occurring, call our confidential phone line to report it anonymously.Learn more about Insurance Fraud
Don’t see your question? Please contact your Plan Administrator or call us at 1-855-264-2174.
To access your ID card;
Sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and from home select ‘print your id card’.
Download the RBC Insurance My Benefits app app and simply sign in using your username and password. On the main menu, select ID card.
Simply inform your Plan Administrator or Human Resources department of any changes to your personal information (e.g. name, date of birth or language). This includes adding or deleting a dependant or changing your family status (e.g. from “single” to “couple” or “family”). Your Plan Administrator is also responsible for updating any changes to your role, salary or number of hours worked.
To update your mailing address, banking information or email address sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Center. From the left hand navigation select ‘Plan member Summary’ to update your mailing address or select ‘Direct Deposit’ to update your banking information and email address.
To change your banking information sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and from the left hand navigation select ‘Direct Deposit’ and follow the instructions on the site.
The Pharmacy ratings are based on an analysis of drug claims data and the quality of care delivered by pharmacies. Higher ratings mean the level of treatment RBC Insurance plan members are obtaining follows the recommended treatment guidelines proven to improve health outcomes for specific common chronic conditions. It is important to note that the pharmacy ratings do not measure google reviews.
Depending on the nature of your claim, you may be able to file your claim online, with your smartphone, or have your service provider file electronically on your behalf. Sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre or use our RBC Insurance My Benefits app and select ‘submit a claim’. If additional information is required you will be prompted. For additional assistance, please call our health and dental claims department at 1-855-264-2174 1-855-264-2174.
Instead of returning receipts to you, we will send you an Explanation of Benefits (EOB) statement, which includes information you may need for tax purposes (like the information on a receipt) as well as any deductibles, maximums, or co-payments applied to your claim payment.
It’s a good idea to make a copy of all receipts and forms for your records before submitting them to us for payment.
Can I claim drug, health and dental expenses under both my plan and my spouse/partner’s benefits plan?Can I claim drug, health and dental expenses under both my plan and my spouse/partner’s benefits plan?
Yes, if you or your dependants are covered under more than one benefit plan (for example, your spouse's employee plan), you may be eligible to claim up to 100% of an eligible expense by coordinating your benefits under both plans. To coordinate your benefits:
Unless your benefit plan documents state otherwise, all claims must be received by RBC Insurance no later than 12 months from the date the eligible expense was incurred.
You can sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and view the status of your claims. From the left hand navigation, select ‘My Claims’, ‘View Statements’ to see if your claims have been processed and how much was reimbursed. If a claim form is submitted and you have subscribed to Online Group Benefit Solutions service, you will receive an email notification once the claim has been adjudicated. You can also access your claims status through the RBC Insurance My Benefits app by clicking “Claim History” on the home screen.
Here at RBC, we are committed to preventing fraudulent activity. Audits on group benefits claims are conducted regularly to help guard against the misuse of plans – both intentional and unintentional. Fraud increases plan costs for your employer which puts your own coverage at risk. You may end up needing to pay increased premiums or lose certain benefits to cover these higher costs. Should you receive a claim audit questionnaire, please complete it promptly, as it helps us protect all of our plan members and their benefit plans from abuse. Learn more about Insurance Fraud.
RBC Insurance Online Health & Dental Claims Centre monitors claims for early identification of fraudulent claims activity. If you are alerted of an audit, additional information will be required to support the claim. Use the upload feature to submit the required requested information.
We will contact you if we need more information. In the meantime, be sure to remain under your doctor’s care and follow his or her instructions.
RBC Insurance will send you an application package for CPP disability benefits. Once you receive the application, please call your Claims Specialist with any inquiries you may have regarding completing the application and we will try to assist you with your questions. The complete application should be sent to Service Canada.
We will also include authorization forms that should be completed and returned to RBC Insurance that permit Service Canada to communicate with us concerning your application, and also, permit Service Canada to send us the first payment so that an overpayment does not develop on your RBC Insurance claim. The letter will identify where each form should be sent.
It would be beneficial for you to apply for CPP disability benefits as the period during which you receive benefits from CPP is included in CPP's contributory period when retirement benefits are calculated. A period of disability not recognized by CPP could adversely affect your contributory period and the retirement benefit you may receive from CPP could be reduced.
As per the terms of your contract, if you do not apply for CPP disability benefits, and pursue the relevant appeals if you are denied, RBC Insurance may deduct from your disability benefit an estimate of the amount that you would be entitled to receive as CPP disability income payments if you had successfully applied.
You can sign in to our secure Online Group Benefit Solutions service to check the details of your plan and get a copy of your Employee Benefits Booklet.
If you do not have access to the Online Group Benefit Solutions service, you can call us at 1-855-264-2174 1-855-264-2174 and one of our representatives will be glad to assist you.
Unless your benefit plan documents state otherwise, dependent children are covered to the end of the month in which their 21st birthday occurs, or the end of the month in which their 26th birthday occurs if they are a full-time student. For students, you must submit proof to your Plan Administrator on an annual basis that the dependent is enrolled full-time at an accredited college, university or educational institute.
You can use your Health Spending Account (HSA) for eligible health-related expenses such as:
You can find a full list of eligible expenses on the Canada Revenue Agency website
Sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ to enter your Online Health & Dental Claims Centre and from the home page select ‘Is my drug covered?’ or use our RBC Insurance My Benefits app on your smartphone, where you will find a look up tool that allows you to verify whether or not a drug is covered under your benefits plan.
To begin your look up, enter the drug name or Drug Identification Number (also known as a DIN). Then select the plan member from the drop down menu. If the drug is eligible as a benefit of the plan, you will see ‘covered’. If the drug is not covered by the plan, you will see ‘not covered. If the drug requires authorization, a link to the form will appear. If the drug was substituted with a lower cost alternative a special message will appear. View the steps in our demo.
To locate professional service providers use the ‘Find a Health Provider’ lookup feature, sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ and from the home page select ‘Find a Provider’ or use our RBC Insurance My Benefits app on your smartphone.
All providers found are registered with RBC Insurance and once you select a provider confirmation will appear if the provider has the ability to bill RBC Insurance directly on your behalf and if the provider will direct bill on your behalf. If your provider is not shown, additional information may be required at time of claim. Call our health and dental claims line at 1-855-264-2174 1-855-264-2174 to confirm a provider’s eligibility prior to having services rendered.
To verify if coverage for various medical expenses are available use the ‘Benefit Eligibility’ feature by sign in to our secure Online Group Benefit Solutions service, select ‘Manage Now’ and from the left hand navigation select ‘My Benefits”, ‘Benefit Eligibility” or use our RBC Insurance My Benefits app on your smartphone. You can also have your provider submit a pre-determination request before you have expensive medical or dental treatments or call our health and dental claims line at 1-855-264-2174 1-855-264-2174 to verify your coverage eligibility.
To find out if your medication is covered use the “Is my drug covered’ feature or call the health and dental claims line at 1-855-264-2174 1-855-264-2174 and speak to one of our claims representatives. If you’ve submitted a claim that was denied but was previously covered by your employer before switching to RBC Insurance, you may still be able to have your medication or condition added to RBC Insurance group benefits plan. You will need to provide an Explanation of Benefits (EOB) or approval letter from your previous carrier showing that the claim was previously covered. This proof cannot be older than 6 months.
Prior to travelling, review your Employee Benefits Booklet to understand what your benefits cover. Your ID card contains contact information you’ll need in the event of an emergency, so be sure to keep it with you while travelling. Also download the Path App for for free from the Apple iStore or Google Play. With this app, you can:
Note: before you seek medical treatment, it’s important that you call the number listed on your ID card as soon as possible. The call centre is available 24 hours a day, 365 days a year worldwide, and can help to ensure that you get the care you need without incurring unnecessary out-of-pocket costs. Dial 1-855-603-5571 1-855-603-5571 (in Canada or USA) or 1-905-608-8251 1-905-608-8251 (collect from anywhere in the world).
You may be eligible to convert all or a part of your life and/or disability coverage to an individual plan within 31 days of your employment ending. For more details, please contact your Plan Administrator or Benefit Advisor.
Through your RBC Group Benefits plan you and your eligible dependants have access to a variety of health and well-being services and programs at no additional cost:
RBC Insurance Wellness Program
Make real improvements to your health with ongoing wellness recommendations, access retailer discounts at your favourite retailers and enjoy progress-based incentives by participating in the RBC Insurance Wellness Program, powered by LifeWorks.
Work-Life Employee Assistance Program:
Whatever challenge you're facing, the RBC Insurance® Work-Life Employee Assistance Program is there to help you and your eligible dependents by providing access to counselling, online educational resources, research and referrals and more.
Best Doctors can connect you with the right medical care and advice when you need it most. Confirmation of diagnosis and treatment, referrals to doctors with special expertise and health system navigation available to you and your eligible dependents.
Drug Compatibility Test
Right drug. Right dose. Right person. We are all genetically unique, and so is our response to medication. As a plan member, you can receive preferred pricing for a drug compatibility test that can identify which drugs work best for you.
Vision Care Discounts
We offer our group plan members, spouses and dependants a discount on eyewear and laser vision surgery—even if your company doesn't have vision benefits with us. Visit the plan member discounts page on the RBC Insurance Group Benefits website for more information.