My spouse has health benefit coverage under her employer. Can I deduct the eligible expenses that are not covered by her plan under my PHSP?
Yes this is a common and acceptable usage of a PHSP. Your Brock Health PHSP is supplementary to your wife’s benefit plan. The process would continue just as it is now. Once you receive the statement from her insurance company indicating the amount that was not covered by her plan, you simply send that insurance carrier’s statement to Brock Health, circling the claimed amounts, along with your business cheque. You will be reimbursed for the disallowed amounts under the spousal plan. Any expenses that were only partially covered by her plan or were totally ineligible can be considered for a claim under your Brock Health PHSP. If you know beforehand that a particular service is not covered (say chiropractic or massage therapy) by her plan, you can speed up your reimbursement by submitting the original receipt from the health provider directly to Brock Health. If you know it will be deemed ineligible there is no point in sending it to her insurance company first. And once you have reached
