When you're shopping for new health insurance, things can get a little confusing while understanding the complexities of a plan. Not only do you have to consider the current state of your health, you have to think about illnesses and injuries that can possibly occur.
Today we've made it simple with this full guide on the Manulife Follow Me Enhanced and Basic plans. Continue reading to find out which plan is best for you.
The Manulife FollowMe health plans are designed for retirees, people between jobs, or those who simply wish to have great health insurance.
There are four plan options to choose from: Basic, Enhanced, Enhanced Plus, and Premiere. All options offer different amounts of coverage based on your insurance needs as an individual or family.
Some of the benefits that Manulife offers are vision and medical coverage while traveling.
To sign up, you will have to apply within 60 days of the end date of your current health insurance. And all applicants get accepted once their payments are received. You won't even have to undergo a medical exam or answer a questionnaire.
Here are the specifics of what you can expect when signing up for the Manulife Follow Me Enhanced Plan:
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:
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.
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 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.
Now that you know about all the perks and benefits of the Manulife FollowMe Enhanced Plan, you are probably wondering if it's worth the additional cost over the basic plan. In this section, you'll find a full breakdown of the differences between the two.
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:
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
Are you interested in learning more or signing up for one of the Manulife Follow Me plans? You can use this tool on our website to get a quote.
One of our insurance specialists will be glad to help you find a plan that matches yours and your family's needs.