Supplementary Insurance
If you hold a supplementary insurance policy, i.e. Manulife Financial, Mutual Life, Green Shield, etc., the Hospital can bill your insurer on your behalf for costs not paid by OHIP, but covered by your insurance policy.
Please note that if you request Preferred Accommodation (semi-private or private) and your supplementary insurance does not agree to pay for the difference, or only pays a portion of the charge, you are responsible for the full payment of the account. Please check your insurance policy carefully and make sure you are covered. The same responsibility applies to all differential rates, such as those for splints, crutches and canes.
To make sure you have all the information you need regarding your insurance coverage, please find out the answers to the following questions:
- What is your insurance policy number?
- What is the effective date and expiry of your coverage?
- What benefits are covered? (e.g. Semi-private or private accommodations)
- Do you have a deductible? (e.g. You may be required to pay the first $50 of charges incurred)
- Do you have a cap? (e.g. The insurance will only pay a maximum of $100/day of your semi-private coverage). Is the cap a daily, yearly, or lifetime limit?
- Are you covered for the services you are receiving?
You should know the answers to these questions before you sign for your preferred accommodations. If you have signed and are unsure, please check your coverage immediately. Once doing so, if you wish to change your accommodations, inform Patient Registration immediately and they will have you sign a transfer to a lesser accommodation, effective the date of signature. You will be responsible for all changes incurred up to this point.
Payment for services not covered by your insurer should be paid on discharge. Payment can be made by cash, cheque, Interac or major credit card at the Business Office.