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* 1. You have received an email about a drug claim that was paid for you that you did not purchase or submit to your benefits plan.

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* 2. Jace books a chiropractic appointment for his son. However, his son has to work; so Jace takes the appointment. He submits the claim under his son’s name because he has maxed out his own chiropractic coverage.

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* 3. During your recent optometrist appointment, your prescription has changed significantly. Your optometrist recommends that you get new glasses which will use up your entire vision care benefit. As much as you want to get new glasses, you also need new contact lenses. The optometrist offers to include a 6-month trial pack of daily wear contacts at no additional cost if you get the glasses.

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* 4. Jackson visits a practitioner who advertises $500 per pair of orthotics. To confirm Jackson's orthotics coverage, the practitioner asks to see his benefits booklet. He sees that Jackson’s plan covers $700 per pair. The practitioner changes his prescription to max out his benefit, even though Jackson's condition doesn't require it. He explains to Jackson that he doesn’t have to worry because his plan pays for it. Jackson thanks the practitioner, pays the bill, submits the claim and gets reimbursed.

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* 5. You just enjoyed a relaxation massage by your esthetician. The esthetician suggests you should come back for another massage with them. You would like that but can’t afford it too often. He asks if you have benefits at work. Since you do, he offers to write on the receipt that a colleague who is a registered massage therapist performed the service, when they did not. You submitted the claim and was reimbursed for the massage.

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* 6. Beth’s doctor recommends she goes to visit a physiotherapist for a neck injury. While she is at the physiotherapist’s office he recommends, based on her injuries, that a massage would help with the pain and speed up her recovery. He also mentions they have a registered massage therapist on staff. Beth checks her benefits and no doctor’s referral is required so she agrees to book a massage appointment.

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* 7. You are going on vacation and looking to buy some new sunglasses. You pick up a pair of non-prescription sunglasses from your optometrist's office. Since you purchased them from your optometrist’s office, you submit the claim as prescription eyeglasses.

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* 8. Valentina visits her naturopath for a one-hour session. Her naturopath sells her some supplements too. She checks her plan and it only covers the cost of the service, but she submits both costs in her claim as a naturopath service anyways.

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* 9. Flora’s benefits plan covers her massage. Her spouse also has a plan that covers massage. Flora has submitted a claim for $80 to her plan and was reimbursed $40. She submits the unpaid portion to her spouse's plan, and is reimbursed the remaining $40.

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* 10. Bob goes to his dentist for a cleaning. He spends 30 minutes getting his cleaning (two units of scaling). His invoice showed that he was charged for 60 minutes (four units of scaling).

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