Manulife FollowMe Enhanced Plan (vs Basic): What You Need to Know

With the costs of prescription drugs constantly increasing, you need a health insurance plan that helps cover some of your expenses. Because of this, all of the FollowMe plans offer some coverage for both generic drugs and the dispensing fees you will incur.

The Enhanced plan covers 80% of the copay fee and the yearly maximum is $500.

Your FollowMe insurance will cover some of the costs that go toward services and products that help improve or maintain your vision. You can expect to have prescription frames and lenses, contact lenses, and corrective laser eye surgery covered.

You will be charged $150 per two benefit years plus $30 for visits to your optometrist.

If you are ever sick enough to require an extended hospital stay, you are probably going to deal with some stress regarding missed work, hospital bills, and the state over your overall health. Your medical insurance plan can help eliminate some of your worries and fears by offering coverage when you need it most.

The FollwMe Enhanced Plan can help you carry some of the load.

For starters, you will receive 100% coverage for the first 60 days of a hospital stay.

The plan also offers coverage for the hospital accommodations you prefer with a maximum of $175 every day for a semi-private room.

You will also receive a cash benefit of $50 daily in lieu of room costs for the days you aren't able to obtain your preferred accommodations.

Semi-private rooms are offered on all the FollowMe plans. And the premiere plan allows you access to a private room.

Extended health care benefits offer coverage to patients beyond the typical doctor's appointment.

For instance, if you are injured in a car accident and need to spend time in a hospital and then visit with a physical therapist for a few months, your extended care benefits will kick in.

Another instance would be if you were left traumatized by the accident and needed to see a psychologist on top of seeking medical treatment.

The enhanced plan pays a total of $200,000 in extended health care benefits per lifetime.

Here are some more extended care benefits you can expect from your FollowMe plan:

1. Survivor Benefit- This gives coverage to the spouse or children after the death of the policyholder.
2. Fracture Benefit- This benefit pays for the care that's required to heal a fractured bone.
3. Accidental Death and Dismemberment- If there is a death or dismemberment as a result of some kind of accident, you will receive coverage.
4. At Home Care- At home care pays for nursing, prosthetic appliances, and durable, high-quality medical equipment to use in your home. The amount of money that's offered changes for the first three years that you require these items.

The pricing works like this:

First Year: $750
Second Year: $1,250
Third Year and beyond: $2,500

Custom made orthotics are also covered for $225 each year and fall under the durable medical equipment category.

Specialist and Other Extended Benefits Include:

• Psychological visits
• Speech therapy
• Hearing aids
• Health Service Navigator
• Lifeline emergency response
• Ambulance services
• Accidental dental care

These medical items and services are covered by all the plans offered by FollowMe. It's just that the amount you will be covered for differs from plan to plan.

The travel insurance that FollowMe offers is completely optional, so it doesn't come with the enhanced plan. You can sign up for it if you think the coverage fits your lifestyle.

With the optional travel insurance, you will have the following benefits:

• You won't have to pay a deductible
• You're covered for two trips per year for 15 or 30 days at a time
• You won't have to undergo an exam or respond to medical questions to apply
• You can apply for coverage for unlimited trips each year

You can apply for this insurance as long as you are 70 years old or younger. The coverage will automatically terminate when you reach the age of 80.

The FollowMe Basic plan does have fewer features and benefits than the enhanced plan does.

The question of which one is better than the other depends on what kind of coverage works best for your personal situation. Of all the perks we listed that the Enhanced plan offers, these are the differences you will find on the Basic plan:

• There is no fracture benefit at all
• Hospital stays are covered up to 50%
• The lifetime maximum of extended care benefits is $100,000
• There is a 20 visit maximum for specialist visits
• Hearing aids are covered by $200 for 5 benefit years

Accidental Death - The accidental death and dismemberment payout is as follows: $10,000 for adults and $5,000 for children and individuals over the age of 65.

At Home Care - The amounts that are paid out for at home care under the basic plan look like this:

First Year: $500
Second Year: $750
Third Year and beyond: $1250