Always try to submit your claims as soon as possible during the same year in which you paid the expense. You will have 90 days after the calendar year-end to make an HCSA claim for the previous year. For example, you will have until March 31, 2022 to make an HCSA claim that was incurred in 2021.
The fastest and simplest way is to use the Manulife app, which can be downloaded to a smartphone. Another option is to use the Manulife website. Follow the steps to make a claim, and it will provide the option to use the HSCA.
All reimbursements will be made by direct deposit to your financial institution. Members need to create a user account and provide banking information.
The professional providing the health benefit, such as the pharmacy or dental office, will continue to submit expenses directly to Manulife. If you also have coverage under a spouse’s plan, any unpaid portion must then be submitted to that plan. If there is a balance owing, you will pay that amount and then claim reimbursement from the HCSA.
If the maximum is exhausted on a previous claim, or the medical expense is not covered by the ELCIC Group Benefits Plan but is eligible as a medical expense, the member will pay the medical expense and then claim reimbursement from the HCSA.