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Manulife FlexCare Plan

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Flexibility when you need it the most

It is an affordable Health and Dental Insurance coverage customized for you and your family.

To say that life is unpredictable would be no understatement. Sometimes, we think we have everything arranged and figured out, only for unforeseen circumstances to occur. When you find yourself in a situation like this, you need an insurance product that provides you with fast and efficient emergency coverage that helps to reduce costs.

The Manulife FlexCare plan is specially designed to help you deal with unexpected medical and dental expenses not traditionally covered by provincial healthcare plans in Canada. The product can easily be tailored to suit your family’s needs and is available to all Canadians aged 18 and older who already have provincial health insurance coverage.

What is included in the Manulife Flexcare plan?

Take your coverage with you, even if you change jobs or if your health changes in the future.

If you are looking for a health and dental insurance product that covers all the bases, the Manulife Flexcare plan may be the product for you. The product is divided into several plans, which provide you with access to the services you need.

There are separate plans that feature coverage for prescription drugs and dental services, in addition to a plan that provides coverage for both prescription drugs and dental services. You can further enhance your coverage with several add-ons, such as vision care and travel insurance, just to name a few.

What are the FlexCare plans available?

There are several plans available under the FlexCare Coverage banner, including:

  • DrugPlus Basic
  • DrugPlus Enhanced
  • DentalPlus Basic
  • DentalPlus Enhanced
  • ComboPlus Starter
  • ComboPlus Basic
  • ComboPlus Enhanced

What are the benefits of the Manulife Flexcare plan?

The Manulife Flexcare plan allows you to save money on out-of-pocket costs associated with routine and unexpected health and dental care procedures. You can also carry your coverage with you if you ever change jobs or if your health changes in the future.

One of the best things about this plan is its built-in flexibility. You have the freedom to choose the amount and type of insurance coverage that aligns with you and your family’s needs.

Among the plan’s many advantages are:

  • Electronic claim submission
  • Seniors aged 65 and over qualify for additional coverage
  • Families with three or more children receive a special rate
  • Payments can easily be made with pre-authorized payments or by credit card

 

FlexCare’s Plan details

  • Prescription drugs
  • Dental services
  • Combination of prescription drugs and dental service with vision care and extended health care coverage

 

FlexCare’s Stand-alone coverage

  • Hospital
  • Catastrophic

 

FlexCare’s optional add-ons

  • Coverage for hospital stays
  • Additional vision care coverage
  • Coverage for accidental death and dismemberment
  • Catastrophic illness coverage
  • Travel insurance coverage

How much does Manulife FlexCare coverage cost?

Like many insurance products, the cost for Manulife’s Flexcare varies based on the number of people being covered, your age and the type of coverage you purchased. For example, a single person purchasing a plan for just themselves would pay less than a married person with a plan covering a spouse and one or more children.

If you have any further questions regarding costs for Manulife FlexCare health benefits, you can request for online health quotes then compare or contact one of our insurance specialists today.

How do I submit a health or dental claim?

Manulife’s Flexcare plans allow you the convenience of submitting your claim online or on paper through standard mail. In some cases, the service provider may submit a claim for you because many dentists, pharmacies and medical institutions can send claims directly to Manulife for processing. If submitted this way, there is no paperwork for you to complete and you will only be responsible for covering the portion not covered by your plan. If the service provider did not submit a claim on your behalf, you must submit it yourself.

Online claim submission

  • Complete the online claim form
  • Submit it within a year (12 months) from the date you were charged for the service
  • Submit it after you pay an amount greater than any deductible that is part of your plan
  • Indicate the type of currency for all services obtained outside of Canada
  • Retain all applicable receipts and documentation for a one-year period

 

Paper claim submission

  • Complete and sign the paper claim form
  • Submit it within a year (12 months) from the date you were charged for the service
  • Submit it after you pay an amount greater than any deductible that is part of your plan
  • Indicate the type of currency for all services obtained outside of Canada
  • Retain all applicable receipts and documentation for a one-year period
  • Complete the extended health claim form for all non-dental coverage
  • Have your dentist complete the dental benefit claim form for all dental coverage

How do I cancel my Manulife Flexcare coverage?

If you’re wondering how to cancel Manulife Flexcare coverage, here is how.

If you are dissatisfied with your coverage and wish to cancel it, you must send a written notice with your signature to Manulife indicating your intention to cancel. Once Manulife receives the letter, your coverage will cease on the day your payment is due on the date following Manulife’s reception of the letter.

When you receive the policy or Certificate of Insurance, you can return them, along with a written and signed cancellation letter to Manulife within 30 days for a full refund of your premium(s). If you choose to return to Manulife after your cancellation, you must reapply and subsequently requalify for the medical requirements as if you were a new client.

 

Other Manulife products

Learn more about Manulife’s other insurance offerings.

  • Flexcare Health & Dental Insurance

    The Manulife FlexCare is a flexible and affordable health and dental insurance plan that protects you against unexpected medical and dental expenses. It is designed to help you curb excessive routine expenditure on health, dental and other issues that are not covered by provincial health care plans in Canada.

  • FollowMe Health & Dental Insurance

    Manulife FollowMe is a guaranteed health and dental insurance plan for Canadians. It is designed for people who have lost their insurance coverage within the past 90 days.

  • Association Health & Dental Insurance

    Enjoy the Manulife Association Health and Dental Insurance plans that is perfectly designed for small to large associations and small businesses. With this plan your family can take advantage of the many health and dental plan options available.

  • FollowMe Life Insurance

    FollowMe Life plan is the Manulife life insurance product for individual protection that is designed for unemployed Canadians. It is an affordable and uninterrupted life insurance replacement for individuals that recently lost employer insurance benefits.

  • Manulife Synergy 3-in-1 Insurance

    Manulife Synergy Combination plan is the Manulife’s 3-in-1 life, disability and critical illness combination insurance product under the health insurance category. With this plan the insurer will receive a tax-free, lump-sum benefit after satisfying the 30-day waiting period if the insurer diagnosed with life-threatening cancer, heart attack, stroke, coronary artery bypass surgery, or aortic surgery.

  • Manulife Family Term Life Insurance

    Family Term Life plan is the Manulife’s affordable and flexible term life insurance product for family under the life insurance category. With this plan, families can maintain a comfortable lifestyle, settle their debts and mortgages without much ado.

  • CoverMe Guaranteed Issue Life Insurance

    CoverMe Guaranteed Issue Life plan is the Manulife’s popular guaranteed issue life insurance product that is designed for Canadian resident age between 40-75 with existing health problems. With this plan the insurer have a peace of mind knowing that you have a coverage regardless of your health history.

  • CoverMe Critical Illness Insurance

    CoverMe Critical Illness plan is the simple, affordable, flexible and the Manulife’s most popular critical illness insurance product under the health insurance category. With this plan the insurer will receive a tax-free, lump-sum benefit after satisfying the 30-day waiting period if the insurer diagnosed with life-threatening cancer, heart attack, stroke, coronary artery bypass surgery, or aortic surgery.

  • CoverMe Travel For Traveling Canadians

    CoverMe Travel Insurance for Traveling Canadians plan is the Manulife travel insurance product for individual protection that designed for Canadian travelers. It offers comprehensive protection irrespective of the reason why you embarked on the travel. You can leverage this coverage whether traveling for business or pleasure.

 

Additional resources

Learn more about your Manulife FlexCare insurance options from these informative articles.

 

Need a FlexCare Insurance Quote?

Insurdinary provides a comprehensive quotes comparison sends straight to your inbox so you can start comparing health coverage in minutes. See plans from several major Canadian insurers to choose the right option for you.  Our customer health specialists are also available to address your questions and concerns.

For more information, you may contact us at 1-877-574-7475, or complete the form below.

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