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Imagine a health insurance plan that doesn’t just help protect against the unexpected, but can also help prevent future health issues so you can live your healthiest life. That’s what you can have with Flexcare Health and Dental Insurance. You can gain control over your coverage, earn rewards and save on premiums, all while helping to improve your health with Manulife Vitality.
It’s as easy as choosing the dental and drug plan that best meets your needs and budget. If you don’t have coverage through your employer or your employer group plan doesn’t have the coverage levels you want, Flexcare is here for you. Get the coverage you want and prepare for a healthier future.
Flexcare keeps things flexible for you and helps you be proactiveabout your health.[/vc_column] [vc_column width=”1/4″][vc_column_text]Buy Now[/vc_column_text]
Ready to buy?
You can get a quote and purchase this insurance online through Cover Me.
[vc_row][vc_btn title=”Buy Flex Care” color=”blue” link=”url:http%3A%2F%2Fwww.memberhealthplan.com%2FLH%2FAgentBroker%2FCorporate%2FABWebSiteHome.jsp%3Flang%3DE%26assocId%3D913988|||”][vc_btn title=”Buy Association H&D” color=”blue” link=”url:http%3A%2F%2Fwww.memberhealthplan.com%2Fga%2Fins_intro.jsp%3FassocId%3DRATTANS|||”][vc_btn title=”Buy Travel Weblink” color=”blue” link=”url:https%3A%2F%2Fhermes.manulife.com%2Fcan%2Faffinity%2Ftravel%2Ftravel.nsf%2Fpublic%2Fwlhome%3FOpen%26as%3Dwllci|||”]
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Flexible, affordable coverage,customized to your needs
➤Prescription drugs:
Helps cover the rising costs of generic and brand-name drugs.
➤Dental care:
A trip to the dentist may be a little more tolerable when you have coverage.
➤Vision care
Glasses, contact lenses, eye doctor appointments, etc.
➤Homecare and nursing
Rehabilitation from the comfort of your own home.
➤Registered therapists
Chiropractor, naturopath, massage therapist, dietitian and more.
➤Enhanced coverage for seniors
At age 65, benefits automatically increase in the areas you want them the most..[/vc_column_text][/vc_column]
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Plus, these services at no extra cost:
➤Emergency medical travel coverage
Gives you up to $5,000,000 in coverage for an unlimited number of trips per year.
➤Health Service Navigator®
Health Service Navigator gives you priority access to top specialists at world-class hospitals. Get advice without an appointment or any travel.
➤Tax savings
Self-employed or own a small business? A portion of your premiums may be deductible.
➤Healthcare Online
Gives you 24/7 access to health care professionals (including physicians, nurse practitioners and nurses) online, through the app or over the phone. Plus, you have easy access to lab results, scripts, refills and referrals.
➤Make claims online 24/7
Submit claims as soon as your coverage is in place.[/vc_column][/vc_row] [vc_row][vc_column width=”2/3″][vc_column_text]
Manulife Vitality
We want you to live your longest, healthiest life. That’s why there’sManulife Vitality – a program that can reward you for all of the littlethings you do to stay healthy.
It offers a variety of ways for you to learn about and improve your health,from choosing simple activities to completing health assessments.By adding this to your Flexcare plan, your healthy choices can lead to points and rewards!
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Build your plan and live life the way you like it.
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1. Select Your Core Plan.
- ComboPlusTM: Dental + Drug coverage
- DentalPlusTM: Dental coverage
- DrugPlusTM: Drug coverage
2. Select Your Coverage Level.
- Starter: Lower coverage amounts and rates(great for add-ons)
- Basic: Well-rounded coverage at affordable rates
- Enhanced: Maximum coverage
3. Consider adding Manulife Vitality.
- Improve your health and get rewarded for it
- Select Manulife Vitality with your plan to automatically save 5% on your first-year premiums AND up to 10% in following years
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[vc_column_text]4. Select Your Add-Ons.Increase your coverage in your Core Plan.
- Accidental Death and Dismemberment Enhanced
- Catastrophic Coverage
- Hospital (Basic or Enhanced)
- Travel (for up to 30 days)
- Vision Enhanced
or
5. Select Stand-Alone Plans.
Need a specific type of coverage? Just pay for what you want:
- Catastrophic Coverage
- Hospital
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What does each plan cover?
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| Plans | ComboPlus Starter | ComboPlus Basic | ComboPlus Enhanced | DrugPlus Basic | DrugPlus Enhanced | DentalPlus Basic | DentalPlus Enhanced |
|---|---|---|---|---|---|---|---|
| Prescription Drugs | $525/Year | $5000/Year | $10,000/Year | $5000/Year | $5000/Year | Not Covered | Not Covered |
| Dental Care – Ongoing Maintenance | $400/Year | $750/Year | $920/Year | Not Covered | Not Covered | Year 1: $575 Year 2+: $750/ Year | Year 1: $840 Year 2+: $920/Year |
| Dental Care – Oral surgery, periodontics, endodontics* | Not Covered | Not Covered | Year 1: 60%; Year 2: 60%; Year 3+: 80% | Not Covered | Not Covered | Not Covered | Year 1: 0%; Year 2: 60%; Year 3+: 80% |
| Dental Care – Major restorative* | Not Covered | Not Covered | Year 1: 0%; Year 2+: 60% | Not Covered | Not Covered | Not Covered | Year 1: 0%; Year 2+: 60% |
| Vision Care | $150 every 2 Years | $250 every 2 Years | $250 every 2 Years | $150 every 2 Years | $250 every 2 Years | $250 every 2 Years | $250 every 2 Years |
| Extended Health Care | $250,000 Lifetime | $250,000 Lifetime | $250,000 Lifetime | $250,000 Lifetime | $250,000 Lifetime | $250,000 Lifetime | $250,000 |
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A little every month can save you a lot later.
One-size-fits-all usually fits no one – especially when it comes to health & dental coverage. That’s why the Association Health & Dental Plan offers 8 choices, to give you the coverage that’s right for you, at the price you need. 1. Without coverage? 2. Employer plan doesn’t provide enough coverage? 3. Self-employed?
Out-of-pocket health costs continue to rise in Canada. The Association Plan options start where provincial plans stop. They could help save you thousands of dollars on routine and unexpected prescription drugs, dental care, vision care and more.[/vc_column][/vc_row]
Pick your plan.
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| Your 4 Health & Dental Plan choices: | Your 4 Dental Plan choices: | Plus, all 8 plans |
|---|---|---|
| Base Health & Dental Plan | Base Dental Plan | Vision care |
| Bronze Health & Dental Plan | Bronze Dental Plan | Registered specialists and therapists |
| Silver Health & Dental Plan | Silver Dental Plan | Ambulance services |
| Gold Health & Dental Plan | Gold Dental Plan | Ambulance services |
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Compare all 8 to choose your level of coverage.
Your 4 Health & Dental Plan choices:
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| Plans | Base Plan | Bronze Plan | Silver Plan | Gold Plan |
|---|---|---|---|---|
| Medical Questionnaire at time of application | Not required | Required | Required | Required |
| Prescription Drugs (reimbursement per year) | 70% of first $750 to $525 maximum | 70% of first $500 80% of next $2,500 to $2,350 maximum | 70% of first $500 100% of next $4,650 to $5,000 maximum | 90% of first $2,222 100% of next $8,000 to $10,000 maximum |
| Dental Services Basic and supplementary | $400 per year maximum | $500 per year maximum | Per year maximum Year 1: $600 Year 2+: $900 | Per year maximum Year 1: $750 Year 2: $1,000 Year 3 and 4: $1,200 Year 5+: $1,500 Also includes Major Restorative |
| Vision care and hearing aids | Included | Included | Included | Included |
| Registered Specialists and Therapist | Included | Included | Included | Included |
| Travel coverage | Included to age 65 | Included to age 65 | Included to age 65 | Included to age 65 |
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Compare all 8 to choose your level of coverage.
Your 4 Dental Plan choices with basic health coverage:
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| Plans | Base Dental Plan | Bronze Dental Plan | Silver Dental Plan | Gold Dental Plan |
|---|---|---|---|---|
| Medical Questionnaire at time of application | Not required | Not required | Not required | Not required |
| Prescription Drugs (reimbursement per year) | 70% of first $750 to $525 maximum | 70% of first $500 80% of next $2,500 to $2,350 maximum | 70% of first $500 100% of next $4,650 to $5,000 maximum | 90% of first $2,222 100% of next $8,000 to $10,000 maximum |
| Dental Services ‡ Basic and supplementary | $400 per year maximum | $500 per year maximum | Per year maximum Year 1: $600 Year 2+: $900 | Per year maximum Year 1: $750 Year 2: $1,000 Year 3 and 4: $1,200 Year 5+: $1,500 Also includes Major Restorative |
| Vision care and hearing aids | Included | Included | Included | Included |
| Registered Specialists and Therapist** | Included | Included | Included | Included |
| Travel coverage | Included to age 65 | Included to age 65 | Included to age 65 | Included to age 65 |
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➤ Flexcare® health and dental insurance
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