Resources for Group Benefits Plan Members (2024)

To access your ID card:

• Sign in to Online Insurance.
  By selecting More and navigating to the Manage Health Benefits option on the Home Page, you will be sent to your Health Dashboard.
  From the Health Dashboard, navigate to 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. Once logged in, tap the "?" menu icon on the top left corner of the home page and select ID Card. To enable the ability to view your card without having to login, turn on “offline view”.

Sign in to Online Insurance. By selecting More and navigating to the Manage Health Benefits option on the Home Page, you will be sent to your Health dashboard.

From the Health dashboard, you can navigate to 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 Benefit Booklet drop-down.

If you do not have access to Online Insurance, you can call us at 1-888-769-2545 and one of our representatives will be glad to assist you.

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.

You can use the Drug Coverage Search lookup feature in Online Insurance or the My Benefits app to see if a drug is covered under your group benefits policy.

Sign in to Online Insurance. By selecting More and navigating to the Check Coverage Details option on the Home Page, you will be sent to your benefit details to check your eligibility. Upon selecting the Drug tile you will find a Drug Coverage Search tool that allows you to verify whether or not a drug is covered under your benefits plan. You can also find the tool through the RBC Insurance My Benefits app on your smartphone.

To begin your Drug Coverage Search, 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 ‘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 in your area, you can use the Find a Health Provider lookup feature.

Sign in to Online Insurance. By selecting More and navigating to the Manage Health Benefits option on the Home Page, you will be sent to your Health dashboard. From the Health dashboard, select Find Provider. This feature is also available through 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 find out if your medication is still covered, call the health and dental claims line at 1-855-264-2174.

You can also use the Check Coverage Details feature in Online Insurance to verify whether or not a drug is covered. Sign in to Online Insurance. By selecting More and navigating to the Check Coverage Details option on the Home Page, you will be sent to your benefit details to check your eligibility. Upon selecting the Drug tile you will find a lookup tool that allows you to verify whether or not a drug is covered under your benefits plan. This is also available through the RBC Insurance My Benefits app on your smartphone.

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).

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 TELUS Health.

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.

Drug Compatibility Test
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.

Discount Programs
As a plan member, you can access a variety of discounts and savings such as offers for everyday shopping, travel, entertainment, and lifestyle purchases, as well as health and wellness products and services.