Manulife Association Health and Dental Insurance Plan for your Family

Enjoy the Association Health and Dental Insurance plan that is perfectly designed for small / large associations and small businesses.

With a Manulife Association Plan your family can take advantage of the many health and dental plan options available.

This plan is also suitable for individuals that are looking for supplemental health care coverage.

These include the Base Plan, Bronze Plan, Silver Plan, and the Gold Plan.

This plan will really help your association financially when they needed most.

[CALL or APPLY NOW] for a FREE, no-obligation health insurance quote:

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Province:
Your Date of Birth (mm/dd/yyyy):
Want to cover your spouse?
Your Date of Birth (mm/dd/yyyy):
Want to cover your child(ren)?
Number of children age 0-4
Number of children age 5-20

Compare Plans

The following plans include prescription drug, dental, and extended health care (EHC) benefits.
Benefits
Base Plan
Bronze Plan
Silver Plan
Gold Plan

Approval Criteria

No medical questionnaire required

Medical questionnaire required

Medical questionnaire required

Medical questionnaire required

Accidental Death & Dismemberment

$10,000 per adult under 65, $4,000 per child or per adult 65 and older

$12,500 per adult under 65, $5,000 per child or per adult 65 and older

$25,000 per adult under 65, $10,000 per child or per adult 65 and older

$50,000 per adult under 65, $20,000 per child or per adult 65 and older

Prescription (Drug Card)

Generic
Dispensing fee $6.50 maximum

70% of first $750

$525 per year max

Generic
Dispensing fee $6.50 maximum

70% of first $500
80% of next $2,500

$2,350 per year max

Generic
Dispensing fee $7.50 maximum

70% of first $500
100% of next $4,650

$5,000 per year max

Brand
Dispensing fee covered

90% of first $2,222
100% of next $8,000

$10,000 per year max

Birth Control & Fertility Drugs

Not Covered

Not Covered

Covered

Covered

Dental Basic & Supplementary Services (Endodontic,Periodontic & Denture Services)

$400 per year max:

70% Coverage

$500 per year max:

70% Coverage

Year 1: $600 per year max
Year 2 & beyond: $900 per year max

80% Coverage

Year 1: $750 per year max;
Year 2: $1,000 per year max;
Year 3: $1,200 per year max;
Year 4: $1,200 per year max;
Year 5 & beyond: $1,500 per year max

80% Coverage

Crowns, Bridges, Dentures and Orthodontics

Not covered

Not covered

Not covered

$800 maximum every 2 consecutive years

Year 1 & 2 is 0%
Year 3 & beyond: 60%

Dental Recall visits

9 Months

9 Months

9 Months

6 Months

Professional Services

$20 per visit max

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers

$300 Per Specialist per Year

80% Coverage

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers

$450 Per Specialist per Year

90% Coverage

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers

$600 Per Specialist per Year

100% Coverage

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers

$1,500 combined per Anniversary Year

Vision Care

$100 per 2 Benefit Years

$100 per 2 Benefit Years

$150 per 2 Benefit Years

$250 per 2 Benefit Years

Eye Examination

$50 every 2 Benefit Years

$50 every 2 Benefit Years

$50 every 2 Benefit Years

$50 every 2 Benefit Years

Semi-private room

Not Covered

Not Covered

Semi-private room only – Max $150 a day

Private or Semi-private room – Max $200 a day

Custom-Made Orthotics

$225 per year max

$225 per year max

$225 per year max

$225 per year max

Out of Country Emergency Medical

100% Coverage

$5 000 000 Per Trip (5 Days Max)

100% Coverage

$5 000 000 Per Trip (9 Days Max)

100% Coverage

$5 000 000 Per Trip (17 Days Max)

100% Coverage

$5 000 000 Per Trip (30 Days Max)

Emergency Travel Assistance

24 Hour Access

Included

Included

Included

Included

Accidental Dental

$2 000 per year max

$2 000 per year max

$2 500 per year max

$3 000 per year max

Hearing Aids

$300 per 4-year Period

$300 per 4-year Period

$400 per 4-year Period

$400 per 4-year Period

Ambulance

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Homecare & Nursing, Prosthetic Appliances & Durable Medical Equipment

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $2,000 per year max;
Year 5: $2,500 per year max

Homecare & Nursing: $2,500 per year max;

Prosthetic Appliances: $2, 500 per year max;

Durable Medical Equipment: $2,500 per year max

Homecare & Nursing: $3,500 per year max;

Prosthetic Appliances: $3, 500 per year max;

Durable Medical Equipment: $3,500 per year max

Homecare & Nursing. Prosthetic Appliances & Durable Medical Equipment:

$8,500 per year max combined

Survivor Benefit

Included – 1 YEAR

Included – 1 YEAR

Included – 1 YEAR

Included – 1 YEAR

Online Claim Submission

Included

Included

Included

Included

These plans include dental and extended health care (EHC) benefits.
Benefits
Base Plan
Bronze Plan
Silver Plan
Gold Plan

Approval Criteria

No medical questionnaire required

No medical questionnaire required

No medical questionnaire required

No medical questionnaire required

Accidental Death & Dismemberment

$10,000 per adult under 65, $4,000 per child or per adult 65 and older

$10,000 per adult under 65, $4,000 per child or per adult 65 and older

$10,000 per adult under 65, $4,000 per child or per adult 65 and older

$10,000 per adult under 65, $4,000 per child or per adult 65 and older

Dental Basic & Supplementary Services (Endodontic, Periodontic & Denture Services)

$400 per year max:

Year 1: 50%
Year 2 & beyond: 70%

$500 per year max:

Year 1: 50%
Year 2 & beyond: 70%

Year 1: $600 per year max;
Year 2 & beyond: $900 per year max:

Year 1: 60%
Year 2 & beyond: 80%

Year 1: $750 per year max;
Year 2: $1,000 per year max;
Year 3: $1,200 per year max;
Year 4: $1,200 per year max;
Year 5 & beyond: $1,500. per year max:

Year 1: 60% Year 2 & beyond: 80%

Crowns, Bridges, Dentures and Orthodontics

Not covered

Not covered

Not covered

$800 maximum every 2 consecutive years

Year 1 & 2: 0%;
Year 3 & beyond: 60%

Dental Recall visits

9 Months

9 Months

9 Months

6 Months

Professional Services

$300 Per Specialist per Anniversary Year

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers and diatrists

See policy for per vist limits

$300 Per Specialist per Anniversary Year

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers and diatrists

See policy for per vist limits

$300 Per Specialist per Anniversary Year

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers and diatrists

See policy for per vist limits

$300 Per Specialist per Anniversary Year

Chiropractor
Physiotherapist
Psychotherapist
Psychologist
Osteopath
Podiatrist
Naturopath,
Speech Therapist,
Massage Therapist
Acupuncturist
Social Workers and diatrists

See policy for per vist limits

Vision Care

$100 per 2 benefit years

$100 per 2 benefit years

$100 per 2 benefit years

$100 per 2 benefit years

Eye Examination

$50 every 2 Benefit Years

$50 every 2 Benefit Years

$50 every 2 Benefit Years

$50 every 2 Benefit Years

Custom-Made Orthotics

$225 per year max

$225 per year max

$225 per year max

$225 per year max

Accidental Dental

$2 000 per year max

$2 000 per year max

$2 000 per year max

$2 000 per year max

Hearing Aids

$300 per 4-year Period

$300 per 4-year Period

$300 per 4-year Period

$300 per 4-year Period

Ambulance

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Unlimited Group & Air Transportation

Homecare & Nursing, Prosthetic Appliances & Durable Medical Equipment

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $2,000 per year max;
Year 5: $2,500 per year max

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $2,000 per year max;
Year 5: $2,500 per year max

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $2,000 per year max;
Year 5: $2,500 per year max

Maximums for each of the three categories:

Year 1: $1,000 per year max;
Year 2: $1,300 per year max;
Year 3: $1,500 per year max;
Year 4: $2,000 per year max;
Year 5: $2,500 per year max

Survivor Benefit

Included – 1 YEAR

Included – 1 YEAR

Included – 1 YEAR

Included – 1 YEAR

Online Claim Submission

Included

Included

Included

Included

† Prescription drug coverage applies to costs not covered by your provincial prescription drug insurance plan, up to the maximums stated above.

†† Prescription drug coverage is based on Calendar Year for residents of British Columbia and Saskatchewan. For all other provinces, coverage is based on Anniversary Year.

*Generic Drug – A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug cost is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

**Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.