You should submit all health claims to primary insurance plans, both personal and spouse, including your Sun Life Health Spending Account (if you have funds available), before submitting a health claim to your League Lifestyle Spending Account (LSA) for reimbursement.
Based on your coverage, primary insurance providers may only cover a portion of the claims you submit. For eligible expenses, League can reimburse the uncovered portion under your LSA. When submitting a claim against your LSA, please ensure you include a claim statement from the primary insurance provider. This statement should list the provider’s name, total claim amount, service administered, reimbursement amount, and the remaining, unpaid balance.
Let’s break it down into steps:
- Submit the health claim under your Sun Life insurance coverage. If your claim is partially covered under your insurance and you have a Sun Life Health Spending Account (HSA), your HSA funds will be automatically used to cover the remaining cost based on your direction to process the claim under your HSA.
- Submit a claim for any remainder to your spouse’s insurance plan. If you have coverage under your spouse’s plan, submit a claim by providing the claim statement document from Sun Life.
- Submit a claim for any remainder to your League LSA. If the claim is eligible under your LSA coverage, submit the most recent claim statement (from Step 1 or 2) as a claim to League.
Submit a claim for your child(ren). Claims for children should be submitted to the benefits plan of the parent whose birthday falls earlier in the year. For example, if your birthday falls in January and your spouse’s birthday falls in May, submit your children’s claim to your plan first. Follow steps as noted above.
Not sure how to submit a claim to your Sun Life insurance? Click here for an article with detailed steps.
Not sure how to submit a claim to your League LSA? Click here for an article with detailed steps.
Note: An LSA is not considered an insured benefit. When you are submitting a claim to an insurance provider, you should not indicate that the LSA is an insured plan. An LSA is a supplementary benefit and should be used after all other forms of insurance have been exhausted. Expenses reimbursed under the LSA are considered a taxable benefit.