What does it cover?
Lots, including: deductibles, co-pay (i.e. Sun Life pays 80% and you pay 20%), amounts over fee guide (dentists!), adult orthodontics, contact lenses, laser eye surgery, dietician, chiropractic and massage therapy. And it includes things not covered by our benefit plan, like a pair of prescription glasses bought without requiring a change in prescription.
Ineligible expenses include fees for joining a fitness club, non-prescribed drugs, home gym equipment, health and wellness books, and home equipment such as air conditioners, unless accompanied by a prescription.
How do I make a claim on my Health Spending Account?
Current benefit claim forms are available on the CBE inSite page.
You claim for the Health Spending Account at the same time you claim for benefit reimbursement, using the same form. The new versions of the Medical form and Dental form include a section relating to the Health Spending Account. Be sure you are using the current forms.
Use the Medical form for everything except visits to the dentist. If you wish to draw on your Health Spending Account simply check the box in the Health Spending Account section of the form and submit the appropriate receipts.
If your dentist sends an electronic claim to Sun Life on your behalf after you pay for services above the fee schedule, you must send in a Dental form to claim for that amount. Again, you just have to check the HSA authorization box if you wish to use your HSA.
Please realize a Health Spending Account is a last payer. So, a claim against the Health Spending Account will be processed only after you have exhausted your and your spouse's benefit plans (if applicable).
Be careful to not miss making a claim. You have only 90 days into the new year to claim for expenses from the prior year. For example, you must claim for expenses incurred during 2007 before the end of March, 2008.
How do I know how much I have left in my account?
Of course, you can do this yourself as you make claims. Or, you can register with Sun Life, get a benefits number and PIN, and then track your HSA account online. If you've already registered online with Sun Life, you can use your current number and PIN.
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