Plan Member Resources

To access your ID card:

• Sign in to our secure Online Group Benefit Solutions service

• from the plan member profile section at the top right side of the page, select your profile, select Account, and from the coverage tab select the ID Card drop-down
  
  OR

• Download the RBC Insurance My Benefits app and sign in using your username and password. On the main menu, select ‘ID card’. (To access your ID card without signing in, slide the “offline view” indicator to “on” from the ID card page.)

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 dependent 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.

You can sign in Plan Member 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 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:

• Deductibles or co-insurance payments for health and dental expenses
• Health or dental expenses in excess of maximum coverage amounts
• A wide range of other health-related expenses that are not covered by your health and dental plan, but qualify as a medical expense under the Canadian Income Tax Act

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 ‘Benefits Details’ from the top menu, and select the 'Drug' tile. or use the RBC Insurance My Benefits app on your smartphone, where you will find a lookup tool that allows you to verify whether or not a drug is covered under your benefits plan.

To begin your lookup, enter the drug name or Drug Identification Number (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 see ‘this drug is not covered at this time’. If the drug requires authorization, a link to the form will appear.

To locate professional service providers, use the ‘Find a Health Provider’ lookup feature. Sign in to our secure Online Group Benefit Solutions service, from the Home Page, select the Find a Provider button or use the RBC Insurance My Benefits app on your smartphone.

All providers found are registered with RBC Insurance. 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. 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 to confirm a provider’s eligibility prior to receiving services.

To verify if coverage for various medical expenses are available, use the 'Benefit Details' feature. Sign in to our secure Online Group Benefit Solutions service, select 'Benefit Details' or use the 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 to verify your coverage eligibility.

To find out if your medication is covered, call the health and dental claims line at 1-855-264-2174.

You can also sign in to our secure Online Group Benefit Solutions service, select 'Benefit Details' and then select the 'Drug' tile or use the RBC Insurance My Benefits app on your smartphone, where you will find a lookup tool that allows you to verify whether or not a drug is covered.

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 the 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 Group Benefits ID card contains contact information you’ll need in the event of an emergency, so be sure to keep it with you while travelling.

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. Call 1-855-603-5571 (in Canada or the U.S.) or 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.

Our Group Long Term Disability Coverage brochure provides a helpful summary of key points to keep in mind about your coverage.

You and your eligible dependents 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.

Teladoc Medical Experts
Teladoc Medical Experts 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 advice on navigating the healthcare system is available to you and your eligible dependents.