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Manulife Health and Dental Insurance Plans

FLEXCARE® HEALTH AND DENTAL INSURANCE

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.

Ready to buy?

You can get a quote and purchase this insurance online through Cover Me.

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..

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.

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!

Build your plan and live life the way you like it.

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

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

What does each plan cover?

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

 What is The Association Health & Dental Plan?

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.

Pick your plan.

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

Compare all 8 to choose your level of coverage.

Your 4 Health & Dental Plan choices:

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

Compare all 8 to choose your level of coverage.

Your 4 Dental Plan choices with basic health coverage:

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