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Manulife Assistant
Chat with an assistant familiar with the Manulife Health Benefit plans.
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Frequently asked questions
- What types of health insurance plans does Manulife offer?
Manulife offers several types of health insurance plans, including FlexCare (Medically Underwritten), Guaranteed Enhanced (Guaranteed Acceptance), and FollowMe (Guaranteed Issue). FlexCare offers the best value but requires medical underwriting. Guaranteed Enhanced is best for those who have been rejected for medical underwriting, and FollowMe guarantees issue regardless of preexisting medical conditions.
- What is included in the Manulife FlexCare plans?
FlexCare plans cover a wide range of health services, including prescription drugs, dental care, vision care, paramedical services, travel insurance, and more. The plans are customizable based on the level of coverage you need.
- How does the Manulife Guaranteed Enhanced plan work?
The Guaranteed Enhanced plan offers guaranteed acceptance at the time of application. It covers prescription drugs, dental services, vision care, in-hospital expenses, emergency medical travel, accidental death and dismemberment, and more, all up to defined maximums.
- What benefits are available under the Manulife FollowMe health plan?
The FollowMe plan includes prescription drugs, dental services, vision care, hospital benefits, emergency medical travel, accidental death and dismemberment, and fracture benefits. It is designed to offer continuity of coverage for individuals transitioning from group health insurance plans.
- What are the advantages of adding Manulife Vitality to my plan?
Manulife Vitality offers a variety of ways to improve health and earn rewards. You can earn points towards rewards by engaging in health activities like exercising and completing health assessments. Additionally, the more engaged you are, the more savings you can achieve on your premiums.
- Are there lifetime maximums for extended health care benefits in Manulife plans?
FlexCare and Guaranteed Enhanced plans do impose certain lifetime maximums on benefits. For example, specific services like prosthetics, dental, and medical equipment have defined maximum amounts per year and lifetime limits.
- Does Manulife cover mental health services?
Yes, Manulife plans do cover mental health services. These include services from psychologists, psychotherapists, clinical counsellors, registered social workers, and speech therapists. Coverage limits and co-insurance percentages may vary depending on the plan.
- What types of dental services are covered under Manulife plans?
Manulife plans cover ongoing dental maintenance services such as exams, cleanings, fillings, scaling, polishing, root canals, oral surgery, and major restorative services like orthodontics, crowns, bridges, and dentures.
- What kind of travel insurance is included in Manulife health plans?
Manulife health plans include emergency medical travel insurance for trips outside of Canada. Coverage includes up to $5,000,000 for medical emergencies, for trips lasting a maximum of 10 days per trip, with the possibility of extending for additional days under some plans.
- How do I qualify for the FollowMe health insurance plan from Manulife?
The FollowMe plan guarantees issue without requiring medical underwriting. This makes it ideal for individuals who are transitioning from a group health insurance plan and wish to maintain continuous health coverage regardless of preexisting medical conditions.