You just paid for a medical consultation or private lab tests… and suddenly a question pops into your mind:
“Okay, can I get this reimbursed by my insurance?”
In many cases, the answer is yes. And no, it’s not complicated. Here’s how it works.
First Thing to Know: RAMQ vs. Private Insurance
Le service médical de Prelib Express et les frais d’analyse en private laboratory are not covered by the RAMQ..
However, many private or group insurance plans do reimburse:
- private medical consultations ;
- laboratory tests ;
- certain diagnostic fees.
👉 Every plan is different, so it’s always worth checking.
Step 1: Check Your Coverage (Promise, It Only Takes 2 Minutes)
Before your appointment (or after, if it’s already done), take a quick look at your online insurance portal or your benefits booklet.
Cherche des mots comme : services médicaux, analyses diagnostiques, laboratoire, frais paramédicaux.
Tip: If you’re not sure, a call to your insurer can clear things up. Yes, it can take a while, but it’s worth it!
Step 2: Keep Your Receipt Handy
To submit a claim, your insurer will ask for a receipt that includes:
- the name of the clinic or laboratory
- the date of service
- the amount paid
- a description of the service
Chez Prelib, les factures sont faites pour être claires et faciles à soumettre à ton assurance. Pas besoin de déchiffrer quoi que ce soit.
You’ll receive one receipt for Prelib Express medical service fees, and another for private lab analysis fees at the time of your clinic visit.
Step 3: Submit Your Claim (Usually Online)
Good news: most insurers now operate fully online.
Here’s what it typically looks like:
- Log in to your insurance portal or app ;
- Click on Submit a claim ;
- Upload your receipt (photo or PDF) ;
- Confirm the details ;
- Send it off!
⏱️ Reimbursement usually arrives within a few days or a few weeks, depending on your insurer.
Step 4: Track Your Reimbursement
Once your claim is submitted, you can usually:
- see whether it’s been approved ;
- check the amount you’ll be reimbursed ;
- receive the payment by direct deposit or cheque.
If anything is missing, your insurer will let you know.
And if Your Claim Gets Denied?
Take a breath. A denial isn’t the end of the world.
The most common reasons are:
- missing information on the receipt ;
- the claim was filed under the wrong category ;
- you’ve reached your annual coverage limit,
Most of the time, a small correction is all it takes to fix it.
In short (the quick version)
- Private services aren’t covered by the RAMQ
- They can be reimbursed by your private insurance
- Keep your receipt
- Submit it online
- Wait for your reimbursement
Simple. Clear. Stress‑free. Just the way we like it.
