Understanding your claim statements

Health and dental claim statements now provide at-a-glance summaries as well as clearer details on how your claim was process. Click on the links below for more information:

• Health claim statement explanation
• Dental claim statement explanation

Need more help understanding your claim statement?

This page contains general information, but if you still have questions, please contact our Customer Services department.

Reading your travel claim statements

Since the issues relating to adjudication are complex, we issue a detailed claim statement for each completed claim.

These are often accompanied by a cheque, and are intended to help you understand the decisions made about the claim you submitted. Statements for different benefit categories (for example, dental and health services) vary slightly in layout, but contain most of the same essential information. The numbers below point out some important areas of claim statements:

1. Plan member's name as it appears on their ID card and their address according to our files.
2. Percent Payable:

   The percent amount Alberta Blue Cross^® pays for the product or service (e.g. 80 per cent or 100 per cent).

3. Co-pay Amount:

   The amount of eligible expense for which the member is responsible.

4. Payable Amount:

   The dollar amount that Alberta Blue Cross^® will pay for this product or service.

5. Other Insurer:

   The amount that other benefit carriers (including other Alberta Blue Cross^® plans) paid toward your benefit claim. This information is only displayed if it was available to us when we assessed your claim.

6. Paid Amount:

   The total of this column is the amount of your cheque from Alberta Blue Cross^®.

7. Messages:

   Until you are familiar with the claiming process the brief explanatory messages that are included on your claim statement may not contain enough detail to help you understand how your claim was adjudicated. To assist you, we've expanded the definitions for some of our most commonly misunderstood messages, and provided some examples, below:

   61: The amount of time allotted by this plan for submitting claims has been exceeded.

   Clarification: Your plan requires that you send in your paid receipts to Alberta Blue Cross^® within a specified period of time. If your receipts are not received within this time limit, you will not be eligible to claim for the products or services.

   307: Payment has been reduced as the maximum amount payable for the benefit or benefit period has been reached. Any remaining portion is not eligible for reimbursement on this plan.

   Clarification: The dollar maximum allowed for this benefit or benefit period has been reached. You may claim again once you are in your new benefit period. Examples:

   You submitted a $250 eyeglasses claim but your benefit maximum is $150 every 24 months. The portion of the payment you are responsible for is $100, and you will not be eligible for this benefit again for 24 months.

   You submitted a claim for $35 for a service, but your benefit plan's maximum allowable amount is $25 per visit. You would be reimbursed for $25 of the $35 claim.

   378: The maximum amount for this benefit has been paid. The remaining portion is not eligible for reimbursement.

   Clarification: The dollar maximum allowed for this service has been reached. For example, you submitted a $40 claim for massage therapy, but your plan maximum is $23. Your portion of the payment will be $17.

   448: In order to assess this claim, we require an original maximum reached letter from the provincial plan.

   Clarification: We require a letter from your provincial health plan indicating that the maximum dollar amount has been reached. This must be submitted to our offices, along with other supporting documents, in order for your claim to be assessed.

   790: The claimed amount has been reduced to the maximum amount allowed by your plan for this product. The remaining portion is not eligible for reimbursement.

   Clarification: The plan that you are on with your employer has a maximum fee allowable for this product or service. The claim is reduced to that fee amount.

   1639: This patient is not eligible for this benefit.

   Clarification: The product or service is not covered by your benefits plan.