Filing medical claims while abroad can be a daunting task. This guide, based on real-life experiences, aims to simplify the process and help you get reimbursed quickly.
(Please note that this guide was prepared by a military spouse and some details may vary depending on the department of your spouse)
Documentation is Key
- Record Everything: Thoroughly document every medical expense. This includes proof of payment, invoices, the date you submit your claim, the amount in both local and Canadian currency, and any follow-up communication with the insurance provider.
- Track Your Claims: Utilize the attached “Basic Medical Claims Tracking Form” to stay organized.
- Beware of Vanishing Messages: If you communicate with your insurance provider online, make sure to take screenshots of any messages as they may disappear from your history.
Payment and Reconciliation
- Expect Delays: Payments are often delayed. It can take several weeks to receive reimbursement, so patience is crucial.
- Reconcile Your Payments: Once you receive a payment, carefully compare it to your records. Ensure that the amount matches what you submitted.
- Reach Out for Clarification: If you need clarification about a payment, don’t hesitate to contact your insurance provider.
Hospital Stays and Additional Tips
- Balance Sheets: If you’re hospitalized, you may be asked to provide a balance sheet, even though it may not be used in the decision-making process.
- Persist: It may take multiple follow-ups over several weeks to receive a response from your insurance provider.
By following these tips and staying organized, you can streamline the claims process and enjoy your time abroad without financial worries.
Download the guide OUTCAN-Postings-101.docx
Written in collaboration with Jordain Lees — Military spouse and author of the OUTCAN 101 guide. Jordain is in Mexico and draws on firsthand experience navigating medical claims abroad to help other families posted overseas.
Have tips to share? Reach out to us — we’d love to hear from you.
