Sun Life

In This Issue…

In This Issue…

Welcome to the summer edition of Viewpoints, where we feature the following information for RSB plan members:

  • Discounts and health resources available through the Sun Life website
  • Overview of extended health and dental claims that require pre-approvals
  • Answers to frequently asked RSB questions
  • Free campus activities to explore
  • Travel coverage information if you are travelling this summer
  • Notice of new HR information system coming April 2020

You can also access this Sun Life flyer, which contains details on how to register for an account through mySunLife.ca and my Sun Life mobile app. These online tools are a great way to manage your RSB plan, view your claims history and coverage details, and access exclusive perks through Sun Life’s Marketplace and Lumino Health.

Click to view full-size flyer

Benefits of Being Online: Sun Life’s Marketplace and Lumino Health

Benefits of Being Online: Sun Life’s Marketplace and Lumino Health

As a RSB member, did you know that you can access corporate discounts and health resources through two Sun Life digital platforms: Marketplace and Lumino Health?

Marketplace is Sun Life’s online corporate discounts program. When you visit the Sun Life website or mobile app, you can search for special offers from a wide selection of service providers and retailers. Browse for discounts on a range of supplies and services, including eyewear, hearing aids, health, fitness and lifestyle resources.

Lumino is a digital health network that empowers Canadians to live healthier lives by offering free health resources and information. You can see which providers are located near you and how they are rated by your peers. It’s a great resource, especially if you are new to the area and need a quick recommendation for your health needs.

Both Marketplace and Lumino Health are available through mysunlife.ca on your desktop computer, or the my Sun Life Mobile app. If you have any questions, contact Sun Life at 1-800-361-6212.

 

Access Marketplace and Lumino Health through your desktop computer

Access Marketplace and Lumino Health with your smartphone

Claims Requiring Pre-approvals

Prior Authorization Program (Extended health plan)

For medical services and equipment in excess of $5,000, a pre-authorization is required. Please refer to page 18 of the Policy Booklet (2017 edition).

Prior authorization requires that coverage for certain drug therapies be pre-approved based on certain criteria. For full details, refer to page 14-15 of the Policy Booklet (2017 edition).

You can also read about prior authorization on our website:

  1. Go to hr.ubc.ca/rsb.
  2. Scroll to find the header, “About RSB”.
  3. Click on “Extended Health”.
  4. Scroll to find “Reimbursement level for eligible expenses”.
  5. Click on “Prior Authorization Program”.

Predetermination (Dental)

Before you receive treatment for any dental procedure(s) that costs more than $500, we recommend that you receive a predetermination from Sun Life. For full details, refer to page 32 of the Policy Booklet (2017 edition).

You can also access this information on our website:

  1. Go to hr.ubc.ca/rsb.
  2. Scroll to find the header “About RSB”.
  3. Click on “Dental”.
  4. Scroll to find “Dental care predetermination (over $500)”.

In our winter 2019 edition of Viewpoints, we will expand on these two topics. Look for the article in December.

Frequently Asked RSB Questions

Frequently Asked RSB Questions

In this issue, we address two frequently asked questions that we receive from RSB plan members: how to request a copy of your medical and dental history online, and how to update your plan information.

FAQ: How do I request a copy of my medical and dental claims history?

Your first instinct may be to call Sun Life (1-800-361-6212), but did you know that you can easily and conveniently access your information online 24/7?

Here’s how you can access your claims history:

  1. Login to mysunlife.ca.
  2. Scroll down until you see “Completed claims”.
  3. Click on “All claims”.

 

  1. Select the relevant dates, and then click “Continue”.


FAQ: I need to update my RSB plan information. How do I do this?

Contact the RSB Administrator (julia.carandang@ubc.ca) to do the following:

Update your contact details:

  • Provide your new address, phone number and email

Change the bank account where your RSB premiums are withdrawn from:

  • Send a void cheque, as well as a note indicating the effective date, to the address below:

Attn: RSB Administrator
600 – 6190 Agronomy Road
Vancouver, BC Canada V6T 1Z3

Travelling This Summer?

If you are enrolled in the Sun Life Extended Health plan, emergency medical travel insurance is included with your benefits. This does not include coverage for lost luggage or trip cancellation.

Coverage is for up to 90 days per trip, and reimbursement is at 100% — up to your remaining lifetime maximum (LTM).

Visit hr.ubc.ca/rsb to access your policy booklet, Medi-Passport, instructions on how to submit your claims, and other RSB-related information.

To access previous travel articles, visit hr.ubc.ca/viewpoints/.

2019 Sun Life Rates

2019 Sun Life Rates

Each year, the Sun Life Extended Health and Dental Care plans are reviewed with UBC’s Benefits Consultants to determine the appropriate premium rates to support claim costs expected for the upcoming year.

The following tables outline the required adjustments to the Extended Health and Dental Care plan premium rates, effective Jan. 1, 2019. The renewal rates are based on analyzing 12 months of past claims experience (Jul. 1, 2017 – Jun. 30, 2018) while incorporating ongoing inflation.

Dental Plan Current 2018 Monthly Rates New 2019 Monthly Rates
Effective Jan. 1, 2019
Adjustment
Single $45.81 $49.08 + 7.14%
Couple $91.91 $98.16 + 6.80%
Family $136.26 $145.80 + 7.00%
Extended Health Plan Current 2018 Monthly Rates New 2019 Monthly Rates
Effective Jan. 1, 2019
Adjustment
Plan 1 (LTM* $15,000)
Single $60.19 $51.16 – 15.00%
Couple $120.40 $102.32 – 15.02%
Family $120.40 $102.32 – 15.02%
Plan 2 (LTM* $50,000)
Single  $92.48 $103.94 + 12.39%
Couple $186.81 $207.88 + 11.28%
Family $186.81 $207.88 + 11.28%
Plan 3 (LTM* $200,000)
Single $63.75 $65.66 + 3.00%
Couple $127.53 $131.32 + 2.97%
Family $127.53 $131.32 + 2.97%

* LTM – Lifetime Maximum

2018 Reminders

Submit Your Extended Health Claims

Any extended health medical claims incurred in 2017 must be received by Sun Life by Dec. 31, 2018.

To submit your claim online:

To mail a paper claim form:

  1. Fill out a paper claim form by:
  1. Attach the relevant original receipts. Keep copies for your records.
  2. Mail your completed claim forms and original receipts to:

Sun Life
PO Box 2010 Stn Waterloo
Waterloo, ON N2J 0A6

Allianz Out-of-Country Claim Form

If you are enrolled in the Extended Health Plan and require emergency medical care while travelling outside BC, you or someone with you must call Allianz Global Assistance before receiving medical care. As Sun Life’s travel benefits provider, Allianz will guarantee or advance payment for eligible medical care. You can contact Allianz in the following ways:

  • In Canada & the US: 1-800-511-4610
  • All Other Countries: 1-519-514-0351
  • Documents Fax Line: 1-519-514-0374

Note: All invasive or investigative procedures (such as surgery, angiogram, MRIs) must be pre-approved by Allianz, except in extreme circumstances.

Submitting claims for emergency medical expenses:

If you are submitting an emergency medi­cal claim (i.e. for services and supplies while in hospital, or for outpatient and physician’s services incurred outside of BC or Canada), Allianz will coordinate payment of your claim with the Medical Services Plan, the UBC plan and any other plans you have coverage with.

For more details, including payor information and the option to purchase additional travel coverage to protect your lifetime maximum, please visit the RSB website or refer to your Policy Booklet.

How to submit a claim:

  1. Within 30 days of your return home, complete the Allianz Emergency Medical Expense Claim Form.
  2. Attach original receipts and make a copy of the entire claim for your records.
  3. Mail your claim form to the appropriate address indicated on the form.

Submitting claims for non-emergency medical expenses:

How to submit a claim:

  1. To ensure you are properly reimbursed, keep all receipts and always obtain a fully itemized bill for any hospital treatment.
  2. Complete an Extended Health Claim Form within 30 days of your return home and submit it to Sun Life. In section 3, indicate your claim is for out-of-Canada expenses.
  3. Attach original receipts and make a copy of the entire claim for your records.
  4. Mail your claim form to the appropriate address indicated on the form.

Submitting claims for non-emergency dental expenses outside of BC/Canada:

To submit a non-emergency dental claim:

  1. Complete a Dental Claim Form and submit it to Sun Life when you return home.

To submit a dental claim as a result of an accident:

  1. Complete an Allianz Emergency Medical Expense Claim Form within 30 days of your return home.
  2. Attach original receipts and make a copy of the entire claim for your records.
  3. Send the documents to the address listed on the form.

Frequently Asked Questions

Where can I find detailed information regarding my Sun Life extended health and dental benefits?

Where can I find the Sun Life extended health claim forms?

I lost my Sun Life pay-direct card. How do I find my benefits information?

  • First, note your RSB policy number (020605) and Sun Life Member ID (your 7-digit UBC employee ID OR 9-digit Social Insurance Number.)
  • Next, use your policy and member ID details to sign in the Sun Life website, where you can access your benefits information and download your new card.
  • You can also check your RSB enrolment confirmation letter for benefits information.
  • Contact Julia Carandang to obtain a new card.

Why was my extended health/dental claim denied?

  • UBC does not have access to your personal medical/dental usage and claim history. You will need to contact Sun Life directly at 1-800-661-7334 or at 1-800-361-6212.

I tried to submit a claim using policy number 025205, which is what I used as an employee in UBC, but I have been informed that my benefits have been terminated. What do I do?

  • Check that your policy number is 020605. Your Sun Life Member ID will be the same as when you were an active employee.
  • Refer to your RSB confirmation letter for a details related to your benefits.
  • Inform your medical providers of the changes to your benefits information.

Sun Life Delisted Service Providers

Sun Life regularly updates their list of delisted service providers. This means that certain medical and dental providers/services are not allowed to process claims through Sun Life.

This also means that Sun Life will not reimburse any claims from the providers/services that are mentioned on this list. Sun Life deems this necessary to protect you and your plan, so that only eligible claims are processed.

You can view information regarding the delisted service providers when you sign into your Sun Life account. You may also contact Sun Life directly at 1-800-361-6212 if you have any questions.