I used a service which is listed as a basic health benefit, so why did Blue Cross pay me less than 100%?
Basic health benefits are payable at 100% and charges are paid by Blue Cross in accordance with the Quebec Provincial Schedule of Fees. This schedule outlines the cost and provides a code for every medical procedure which is covered under Quebec’s provincial health plan. Blue Cross uses this same schedule to establish maximum amounts payable to claimants. When billing patients who are not Canadian residents, health care providers are entitled to charge a higher amount, since they are not restricted by the fee schedule. Because of this, Blue Cross will pay up to twice the Quebec rate for a consultation with a doctor. Still, you should be aware that in certain cases, you may not be fully reimbursed. We recommend that international students use the McGill University Student Health Clinic whenever possible, as your Blue Cross card will be accepted there and you will never be charged. If you have any questions regarding your claim, please call Blue Cross at: 1-888-588-1212.
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