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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.

Benefits may deviate depending on province.

Learn more about this Manulife plan

Manulife FlexCare Plans Comparison Table

Combo Plus
Drug Plus
Dental Plus
Plan Benefit
Combo Plus Starter
Combo Plus Basic
Combo Plus Enhanced
 
Quote & Apply
Quote & Apply
Quote & Apply
Approval Criteria
Guaranteed Issue Plan
Requires Medical Underwriting
Requires Medical Underwriting

Drug Coverage(expand for details)

Generic drugs vs. brand-name drugs
Generic
Generic
Brand-name or Generic
Shared Dispensing Fee (subject to applicable co-payment)
$6.50 maximum

Seniors’ Adjustments 65+
No maximum
No maximum
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
All except birth control drugs
Reimbursement of eligible prescription costs per year
80% 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
$600 

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
9 months
6 months
Oral surgery, periodontics, endodontics (root canal)
Not covered
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
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)
50% coverage, up to $300 for each category
60% coverage, up to $500 for each category
80% coverage, up to $500 for each category
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
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 10
Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+
Maximum Visits 10
Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+
Maximum Visits 10
Registered Physiotherapist (per person per anniversary year)
100% up to $250 paid
100% up to $250 paid
100% up to $250 paid
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
$225 per year
$225 per year
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
$2,000 maximum per person, per anniversary year
$2,000 maximum per person, per anniversary year
Ambulance Services Unlimited ground and air transportation.
Included
Included
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
Included
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
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
Preferred Pricing Available
Included
Telus Health Virtual Care Unlimited, 24/7 access to health care professionals from anywhere, in French and English.
Included
Included
Included
Plan Benefit
DrugPlus Basic
DrugPlus Enhanced
 
Quote & Apply
Quote & Apply
Approval Criteria
Requires Medical Underwriting
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
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
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)
60% to $500 for each category
80% to $500 for each category
Registered Psychologist / Psychotherapist / Clinical Counsellor (per person per anniversary year)
Maximum visits 15, 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 10
Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+
Maximum Visits 10
Registered Physiotherapist (per person per anniversary year)
$250 maximum
$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:

$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
$225 per year
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
$2,000 maximum per person, per anniversary year
Ambulance Services Unlimited ground and air transportation.
Included
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
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
Survivor Benefit Provides for continuous coverage for 1 year, following the death of an adult insured.
Included
Included
Telus Health Virtual Care
Unlimited, 24/7 access to health care professionals from anywhere, in French and English.
Included
Included
Plan Benefit
DentalPlus Basic
DentalPlus Enhanced
 
Quote & Apply
Quote & Apply
Approval Criteria
Guaranteed Issue Plan
Guaranteed Issue Plan

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.
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
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)
50% up to $300 per category
50% up to $300 per category
Registered Psychologist / Psychotherapist / Clinical Counsellor (per person per anniversary year)
Maximum visits 10, First visit $80, Subsequent visits $65
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 10
Maximum visits 10, First visit $65, Subsequent visits $45

Seniors’ Adjustments 65+
Maximum Visits 10
Registered Physiotherapist (per person per anniversary year)
$250 maximum
$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:

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
$225 per year
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
$2,000 maximum per person, per anniversary year
Ambulance Services Unlimited ground and air transportation.
Included
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
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
Survivor Benefit Provides for continuous coverage for 1 year, following the death of an adult insured.
Available 1 year after policy effective date
Available 1 year after policy effective date
Telus Health Virtual Care
Unlimited, 24/7 access to health care professionals from anywhere, in French and English.
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.

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