When you're trying to decide which kind of personal health insurance is right for you, we know that you have lots of different options to choose from.
Sometimes, the choice can feel overwhelming.
It can be difficult to understand the types of coverage and benefits that you'll receive under a specific plan.
If you're interested in learning more about Manulife FlexCare, it's important to find out which of their plans is the best fit for you and your family.
In this post, we'll help you to understand what you'll be covered for under Manulife products like the FlexCare ComboPlus Starter plan.
By the end, you'll be able to decide whether or not it's a plan you're interested in enrolling in.
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Your Dental Coverage
First, let's take a closer look at the Manulife dental insurance that you'll be entitled to under the ComboPlus Starter plan.
The coverage will go into effect at the age of 17 for those living in Prince Edward Island, while those who live in Newfoundland are able to get coverage starting at the age of 13.
If you and your family live in Nova Scotia, dental coverage can begin as early as age 11.
You'll be covered for up to 70% of your total cost of some dental services, with a maximum service cost of $575.
Services include dental cleanings, scalings, fillings, exams, and polishing. You'll also get recall visits once every nine months.
So, this plan is best for those who don't need extensive dental work, or who don't expect to pay much for their overall dental services.
The good news?
You'll receive accidental dental coverage for up to $2,000 per year.
Your Vision Benefits
Now, let's examine the personal health insurance benefits that you'll get with the ComboPlus starter plan when it comes to vision coverage.
You'll be covered for up to $70 worth of fees associated with visiting your Optometrist for two consecutive years.
If you wear glasses, they will be able to be repaired under the coverage if they've gotten broken or scratched. This is only applicable, however, if you purchase both frames and lenses that are a part of the FlexCare vision benefit.
You'll also be able to get a $150 maximum for two years towards getting those prescription lenses, frames for your glasses, having laser eye surgery, or getting your contact lenses.
Manulife Flexcare ComboPlus Starter and Prescription Drugs
If you've been prescribed prescription medication to help you to manage a more chronic condition, then we know that the coverage you'll receive is one of the most important things you look at when choosing an insurance plan.
You'll be able to be covered for generic prescriptions. While certain brand-name drugs are covered, you will need to pay the generic equivalent price in order to get them.
Your coverage under the Starter plan is up to 70% on the first $750 you'll spend on your prescriptions. You'll be able to get coverage up to a maximum of $525 per individual within a year.
Be aware, however, that certain types of prescription drugs are excluded from this plan.
You will not be able to get coverage for drugs relating to quitting smoking. Nor will you be able to get coverage for over-the-counter medication, or anything that doesn't require a kind of prescription from a medical professional.
You will also not be covered for birth control pills, or pills relating to any kind of fertility issue.
While dental, vision and prescription drug coverage are some of the most important aspects of this plan?
You'll be entitled to other forms of coverage, too.
This includes unlimited ground transportation in an ambulance when you're heading to the hospital, and a $4,000 maximum if you need to be airlifted to the hospital.
Should you find that you or a loved one is in need of in-home care, you'll be able to be covered based on a yearly increasing basis.
In the first year of your coverage, you'll get a maximum of $1,000. In year two, you'll be covered for $1,300. By the time you reach the fifth year and beyond of your coverage?
Your home care costs will be covered up to $3,000.
Additionally, you'll be able to get a maximum of six months of lifeline personal response services every three years.
This is especially helpful if you're a senior, or need to cover the health care expenses of a senior under your plan.
You'll also be covered for a $400 maximum of hearing aids for four consecutive years under the plan.
Should an accidental death or dismemberment occur?
If the person is under the age of 65, you could get up to $25,000. If they're a child, or over the age of 65, you'll get $10,000.
Want to Learn More about Your Health and Dental Insurance Options?
We hope that this post has helped you to better understand the personal health insurance coverage that you're entitled to under the Manulife Flexcare ComboPlus starter plan.
As you can see, this is one of the more affordable options. Though it doesn't provide as much coverage as some of the other plans offered by Manulife, it's perfect for those who don't yet need extensive coverage.
It's also ideal for those who are buying their own insurance for the first time.
Want to learn more about the many types of health and dental insurance Canada has to offer?
We've got you covered.
Be sure to spend some time on our website to explore other plans, and find the option that will keep you covered in any situation.