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Manulife Health Insurance
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There are two Manulife Health Insurance Products, namely FlexCare®
and FollowMe®
FlexCare ®
If you don’t have an Employee Health Plan, FlexCare ® is for you. These plans are ideal for individuals, couples, families, self-employed and small businesses that do not qualify for Group Insurance.
IF YOU ARE SELF-EMPLOYED OR A SMALL BUSINESS OWNER, YOUR FLEXCARE PLAN
CAN ESSENTIALLY PAY FOR ITSELF!
Self-employed people who want health coverage that extends beyond their government health insurance plan may deduct their supplemental health coverage premiums from their business income. When you add up the potential tax savings, your plan could virtually pay for itself!
For those who are not self-employed, don't forget, a tax credit may be available to you.
If you are 65 years of age or over, you are likely to have special health priorities. All FlexCare core plans have Seniors' Adjustments to reflect your needs.
FlexCare has 3 core plans: ComboPlus™ DrugPlus™ DentalPlus™
ComboPlus™ with starter, basic and enhanced coverage
- No medical questionnaire required for ComboPlus Starter
- Medical questionnaire required for ComboPlus basic and Enhanced
DrugPlus™ with basic and enhanced coverage
- Medical questionnaire required for DrugPlus basic and Enhanced
DentalPlus™ with basic and enhanced coverage
- No medical questionnaire required for DentalPlus Basic & Enhanced
If you like you can customize your FlexCare core plans with FlexCare®Add-Ons. These add-ons could be used only with the 3 core plans. However, Travel + 8 & 21 days add-ons, and Vision Enhanced Add-on are not available with ComboPlus Starter Coverage.
FlexCare® Add-ons: (available only with a Core plan)
FlexCare has the following Add-ons:
- Extended Health Care – Enhanced
- Medical questionnaire required
- Hospital – Basic & Enhanced Coverage
- Medical questionnaire required
- Hospital Cash
- Medical questionnaire required
- Vision – Enhanced
- No medical questionnaire required - not available with ComboPlus Starter coverage
- Travel + 8 days
- No medical questionnaire required - not available with ComboPlus Starter coverage
- Travel + 21 days
- No medical questionnaire required - not available with ComboPlus Starter coverage
- Accidental Death and Dismemberment – Enhanced
- No medical questionnaire required
- Catastrophic Coverage
- Medical questionnaire required
- Lifeline® Personal Response Service
- No medical questionnaire required
Flexcare® Stand-Alones
With Flexcare® Stand-Alone coverage, you don't need a Core plan. You can select one or more Stand-Alones to create your own "One-Of-A-Kind" Flexcare health plan.
If you are 65 years of age or over, you are likely to have special health priorities. And all Flexcare Stand-Alones have Seniors' Adjustments to reflect your needs.
- Extended Health Care Basic
- Medical questionnaire required
- Extended Health Care Enhanced
- Medical questionnaire required
- Hospital Basic
- Medical questionnaire required
- Hospital Enhanced
- Medical questionnaire required
- Hospital Cash
- Medical questionnaire required
- Catastrophic Coverage
- Medical questionnaire required
- Lifeline® Personal Response Service
- No Medical questionnaire required
FlexCare® Select
Flexcare® Select is designed to offer affordable protection against extended health care expenses not covered by your provincial health insurance plan. The FlexCare Select plan provides Extended Health Care, Best Doctors® plus one of the following benefit combinations:-
(Travel coverage available only to applicants under 65 years)
FlexCare Select:
- Extended Health Care, Accidental Death and Dismemberment & Fracture Benefit
- No Medical questionnaire required
- Extended Health Care, Accidental Death and Dismemberment & Hospital Cash
- No Medical questionnaire required
- Extended Health Care, Accidental Death and Dismemberment & Travel
- No Medical questionnaire required
- Extended Health Care, Hospital Cash & Fracture Benefit
- No Medical questionnaire required
- Extended Health Care, Hospital Cash & Travel
- No Medical questionnaire required
- Extended Health Care, Travel Coverage & Fracture Benefit
- No Medical questionnaire required
FollowMe®
FollowMe is for those who are coming off a group insurance plan due to job loss,career change or retirement..
FollowMe is designed to offer uninterrupted health and dental coverage for you and your family, when your employment and group benefits end. If you apply within 60 days of your loss of group health and dental benefits, you will qualify without having to complete a medical questionnaire.
FollowMe equips you and your family with the protection you require, regardless of what company plan you were on.
There are four levels of protection to choose from, you can select the plan that meets your specific needs.
- FollowMe Basic
- No Medical questionnaire required
- FollowMe Enhanced
- No Medical questionnaire required
- FollowMe Enhanced Plus
- No Medical questionnaire required
- FollowMe Premiere
- No Medical questionnaire required
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