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Does an employee pay for their health expenses first?

Yes. The employee pays for their health and dental expenses personally. To be reimbursed, the employee submits a Health Spending Account claim using their online CoreHealth+ account. A cheque or direct deposit is issued to the employee for the eligible amount of the claim, providing there is a sufficient un-used "limit" in their account. Funding for the whole transaction comes from the company and a notification is sent from the online system to the Plan Administrator when money is needed.

If the event or occurrence falls under the insurance portion of CoreHealth+ (i.e. Life, AD&D, Critical Illness, Emergency Travel, and Excess Medical) then a separate claim is made to Western Life. Toll Free: 1 866 337-0408. Click here to read more about making an insurance claim.