Manulife FlexCare Health and Dental Insurance Plans

Affordable insurance coverage for yourself and your family with Manulife FlexCare Health and Dental Insurance plans.

With a Manulife FlexCare Plans you and your family can take advantage of the many health and dental plan options available.

Reduce what you pay out-of-pocket for many routine and unexpected health and dental care expenses with a flexible, affordable plan. You can choose the type and amount of coverage that fits you and your family’s needs with Flexcare Health and Dental Insurance.

These include the DrugPlus Plan, DentalPlus Plan and the ComboPlus Plan.

Your benefits can help pay for your family’s prescription drugs, dental services, prescription eyewear, hearing aids, chiropractic visits, massage therapy, orthotics and more.

Learn more about this Manulife plan

Manulife FlexCare Plans Comparison Table

Combo Plus

Drug Plus

Dental Plus

Quote & Apply

Approval Criteria

Guaranteed Issue Plan

Requires Medical Underwriting

Drug Coverage(expand for details)

Generic drugs vs. brand-name drugs

Generic

Brand-name or Generic

Shared Dispensing Fee (subject to applicable co-payment)

$6.50 maximum

Seniors’ Adjustments 65+

No maximum

Exclusions – Smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs and drugs not requiring a prescription

All

All except birth control drugs

Reimbursement of eligible prescription costs per year

70% of first $750

Seniors’ Adjustments 65+

100% of first $750

70% of first $750;
90% of next $4,972;

Seniors’ Adjustments 65+

100% of first $750;

90% of next $4,722

90% of first $2,222;

100% of next $8,000;

Seniors’ Adjustments 65+

100% of first $750;

90% of next $10,278;

Anniversary year maximums per person

$525

Seniors’ Adjustments 65+

$750

$5,000

Seniors’ Adjustments 65+

$5,000

$10,000

Seniors’ Adjustments 65+

$10,000

Dental Coverage(expand for details)

Coverages are designed to coincide with the current provincial Dental Association Fee Guide for General Practitioners. Newfoundland & Labrador and Prince Edward Island: Dental coverage begins at the age when dental coverage under your provincial health insurance plan coverage ends.

Reimbursement (for ongoing maintenance services: fillings, cleanings, scalings, examinations, polishings, and select extractions) per year

70% of first $575

80% of first $400;
50% of next $860;

100% of first $500;
60% of next $700;

Anniversary year maximum for basic dental services

$400

$750

$920

Recall visits

9 months

6 months

Oral surgery, periodontics, endodontics (root canal)

Not covered

Year 1: 60%;

Year 2: 60%;

Year 3+: 80%;

Combined maximum for oral surgery, periodontics, endodontics and major restorative of $1,250 per 3 consecutive years, with a year 1 combined maximum of $400.

Major restorative (orthodontics, crowns, bridges, dentures) – benefits commence in year 2

Not covered

Year 1: 0%;

Year 2+: 60%;

Combined maximum for oral surgery, periodontics, endodontics and major restorative of $1,250 per 3 consecutive years, with a year 1 combined maximum of $400.

Vision Care(expand for details)

Covers the costs towards prescription lenses and frames, contact lenses and laser eye surgery. This benefit does not include industrial safety glasses.

$150 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

Extended Health Care Benefits(expand for details)

Lifetime maximum - Coverage Per Person $250,000; Seniors’ Adjustments 65+ $260,000

Registered Specialists and Therapists (Paramedical Services): Chiropractor ($35 chiropractic x-rays per year), Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Dietitian (per person per anniversary year)

Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist / Psychotherapist / Clinical Counsellor (per person per anniversary year)

Maximum visits 10, First visit $80, Subsequent visits $65

Maximum visits 15, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person per anniversary year)

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Registered Physiotherapist (per person per anniversary year)

$250 maximum

Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Licensed Practical Nurse, Personal Support Worker, Occupational Therapist; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment.
Payment will be coordinated where benefits are available through the Assistive Devices Program.

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

Year 1: $1,000; Year 2: $1,300;
Year 3: $1,500; Year 4: $1,700;
Year 5+: $3,000

Seniors’ Adjustments 65+

Year 1: $1,100; Year 2: $1,500; Year 3: $1,700;
Year 4: $2,000; Year 5+: $3,500

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

$4,000 maximum per person,
per anniversary year

Seniors’ Adjustments 65+

$4,500 maximum per person,
per anniversary year

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

$4,000 maximum per person,
per anniversary year

Seniors’ Adjustments 65+

$4,500 maximum per person,
per anniversary year

Custom-Made Orthotics Covers charges for the purchase of custom-made orthotics (plaster or computer topography).

$225 per year

Lifeline® Personal Response Service** Coverage towards a 24/7 home monitoring service for you, your family and your extended family (parents, grandparents and in-laws) when dealing with medical problems.

6 months per person, per 3 anniversary years

Accidental Dental Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

$2,000 maximum per person, per anniversary year

Ambulance Services Unlimited ground and air transportation.

Included

Hearing Aids Covers the costs to purchase and/or repair up to the allowed maximum.

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

Travel Coverage (to age 70) $5,000,000 emergency health coverage per person for trips lasting a maximum of 9 days. (A $100 deductible applies per claim.)

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

Included

Accidental Death and Dismemberment Payment for accidental death or dismemberment resulting from an accident, occurring within one year of the date of the accident. Additional coverage can be purchased as an Add-On.

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Survivor Benefit Provides for continuous coverage for 1 year, following the death of an adult insured.

Available 1 year after policy effective date

Included

Healthcare Online** 24/7 access to healthcare professionals (including physicians and nurse practitioners) online, through the app or over the phone.

Preferred Pricing Available

Included

Quote & Apply

Approval Criteria

Requires Medical Underwriting

Drug Coverage(expand for details)

Generic drugs vs. brand-name drugs

Generic

Brand-name or Generic

Shared Dispensing Fee (subject to applicable co-payment)

No maximum

Exclusions – Smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs and drugs not requiring a prescription

All

All except birth control drugs

Reimbursement of eligible prescription costs per year

70% of first $750;
90% of next $4,972;

Seniors’ Adjustments 65+

100% of first $750;

90% of next $4,722

90% of first $2,222;

100% of next $8,000;

Seniors’ Adjustments 65+

100% of first $750;

90% of next $10,278;

Anniversary year maximums per person

$5,000

Seniors’ Adjustments 65+

$5,000

$10,000

Seniors’ Adjustments 65+

$10,000

Vision Care(expand for details)

Covers the costs towards prescription lenses and frames, contact lenses and laser eye surgery. This benefit does not include industrial safety glasses.

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

Extended Health Care Benefits(expand for details)

Lifetime maximum - Coverage Per Person $250,000; Seniors’ Adjustments 65+ $260,000

Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist / Psychotherapist / Clinical Counsellor (per person per anniversary year)

Maximum visits 15, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person per anniversary year)

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Registered Physiotherapist (per person per anniversary year)

$250 maximum

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

$4,000 maximum per person,
per anniversary year

Seniors’ Adjustments 65+

$4,500 maximum per person,
per anniversary year

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

$4,000 maximum per person,
per anniversary year

Seniors’ Adjustments 65+

$4,500 maximum per person,
per anniversary year

Custom-Made Orthotics Covers charges for the purchase of custom-made orthotics (plaster or computer topography).

$225 per year

6 months per person, per 3 anniversary years

Accidental Dental Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

$2,000 maximum per person, per anniversary year

Ambulance Services Unlimited ground and air transportation.

Included

Hearing Aids Covers the costs to purchase and/or repair up to the allowed maximum.

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

Travel Coverage (to age 70) $5,000,000 emergency health coverage per person for trips lasting a maximum of 9 days. (A $100 deductible applies per claim.)

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

Included

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Survivor Benefit Provides for continuous coverage for 1 year, following the death of an adult insured.

Included

Healthcare Online** 24/7 access to healthcare professionals (including physicians and nurse practitioners) online, through the app or over the phone.

Preferred Pricing Available

Included

Quote & Apply

Approval Criteria

Guaranteed Issue Plan

Dental Coverage(expand for details)

Provides Dental coverage for services such as fillings, cleanings, scaling, examinations, polishing and select extractions:

Year 1: 50% payment of the first $1,150 (anniversary year maximum of $575)

Year 2+: 80% of the first $400 and 50% of the next $860 (anniversary year maximum of $750)

Year 1: 70% payment of the first $1,200 (anniversary year maximum of $840)

Year 2+: 100% of the first $500 and 60% of the next $700 (anniversary year maximum of $920)

Recall visits

every 9 months

every 6 months

Oral surgery, periodontics, endodontics (root canal)

Not covered

Year 1: 0%;

Year 2: 60%;

Year 3: 80%;

The following dental services have a combined maximum of $1,250 per person per 3-year period

Orthodontics, crowns, bridges, dentures

Not covered

Year 1: 0%;

Year 2+: 60%;

The following dental services have a combined maximum of $1,250 per person per 3-year period

Vision Care(expand for details)

Covers the costs towards prescription lenses and frames, contact lenses and laser eye surgery. This benefit does not include industrial safety glasses.

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

$250 maximum per 2 consecutive benefit years;

$70 maximum for optometrist visit per 2 consecutive benefit years;

Extended Health Care Benefits(expand for details)

Lifetime maximum - Coverage Per Person $250,000; Seniors’ Adjustments 65+ $260,000

Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist / Psychotherapist / Clinical Counsellor (per person per anniversary year)

Maximum visits 10, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person per anniversary year)

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+

Maximum Visits 15

Registered Physiotherapist (per person per anniversary year)

$250 maximum

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

Year 1: $1,000; Year 2: $1,300;
Year 3: $1,500; Year 4: $1,700;
Year 5+: $3,000

Seniors’ Adjustments 65+

Year 1: $1,100; Year 2: $1,500; Year 3: $1,700;
Year 4: $2,000; Year 5+: $3,500

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

Year 1: $1,000; Year 2: $1,300;
Year 3: $1,500; Year 4: $1,700;
Year 5+: $3,000

Seniors’ Adjustments 65+

Year 1: $1,100; Year 2: $1,500; Year 3: $1,700;
Year 4: $2,000; Year 5+: $3,500

Custom-Made Orthotics Covers charges for the purchase of custom-made orthotics (plaster or computer topography).

$225 per year

6 months per person, per 3 anniversary years

Accidental Dental Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.

$2,000 maximum per person, per anniversary year

Ambulance Services Unlimited ground and air transportation.

Included

Hearing Aids Covers the costs to purchase and/or repair up to the allowed maximum.

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

$400 maximum per person,
per 4 consecutive benefit years

Seniors’ Adjustments 65+

$500 maximum per person,
per 4 consecutive benefit years

Travel Coverage (to age 70) $5,000,000 emergency health coverage per person for trips lasting a maximum of 9 days. (A $100 deductible applies per claim.)

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

Included

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Up to $25,000 for an adult under 65

Up to $10,000 for an adult 65 and over or child

Survivor Benefit Provides for continuous coverage for 1 year, following the death of an adult insured.

Available 1 year after policy effective date

Healthcare Online** 24/7 access to healthcare professionals (including physicians and nurse practitioners) online, through the app or over the phone.

Preferred Pricing Available

† 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.

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Manulife FlexCare Health and Dental Insurance Plans

Manulife FlexCare Plans Comparison Table

Drug Coverage(expand for details)

Dental Coverage(expand for details)

Vision Care(expand for details)

Extended Health Care Benefits(expand for details)

Drug Coverage(expand for details)

Vision Care(expand for details)

Extended Health Care Benefits(expand for details)

Dental Coverage(expand for details)

Vision Care(expand for details)

Extended Health Care Benefits(expand for details)