Medical Insurance

Most healthcare providers will bill the Plan directly if you show them your Cowan health card. If you are asked to pay for the service upfront, please ask the provider to phone Cowan directly (1-888-509-7797) or, you may contact Cowan and they will contact the provider to set up direct billing on your behalf.

To help you provide us with the information required to issue reimbursement, we have outlined the necessary steps in making a claim.

• You must always complete Sections 1, 2 and 3 of the claim form, including:
  • your certificate number
  • name and current address
  • to whom payment should be made
• If the provider bills Cowan directly, you must still complete Sections 1, 2, and 3 of the claim form. The cheque will be made payable to the provider.
• In cases where you have paid the provider for services, please enclose the original receipts (photocopies are not acceptable) and sign Section 3 of the claim form and check the box to indicate that the payment is to be made to the certificate holder. In this case, the cheque will be made payable to you. Receipts must clearly show:
  • patient name
  • description of service
  • date(s) of service
  • cost of each service
• The provider must always complete Sections 4 and 5 of the claim form in full.
• Drug receipts are to be attached to the claim and must show:
  • drug name
  • drug identification number (DIN)
  • prescription number
  • strength
  • quantity

All claims must be received no later than 6 months after the date the services are provided.