Flexcare® Plans
Whether you need an all-around health and dental plan or targeted protection in a specific area, Flexcare provides affordable, flexible coverage.
What's covered?
Core plans
- Prescription drugs
- Dental care
- Vision care
- Registered specialists and therapists
- Other extended health care services
Standalone plans
- Semi-private or private hospital rooms
- Catastrophic drug costs (catastrophic coverage is not available in Quebec or to persons age 65 and over).
When do you pay benefits?
Flexcare plans reimburse a portion or all of your eligible health-related expenses either when you pay or later by cheque or direct deposit into your bank account.
Why should I consider this plan?
If there are gaps in your coverage – big or small – Flexcare plans can give you confidence you'll be able to afford whatever care you need.
Live a healthier life with Manulife Vitality.
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Guaranteed Issue Enhanced Plan
Rates are now 10% lower!*
Looking for guaranteed acceptance – no medical questions asked at the time of application? Our Guaranteed Issue Enhanced plan offers comprehensive coverage for a wide range of healthcare costs, including protection for pre-existing conditions.
What's covered?
- High prescription drug coverage
- Dental care
- Vision care
- Registered specialists and therapists
- Other extended health care services
When do you pay benefits?
The Guaranteed Issue Enhanced plan reimburses a portion or all of your eligible health-related expenses either when you pay or later by cheque or direct deposit into your bank account.
Why should I consider this plan?
If you’re looking to skip the hassle of answering any medical questions when you apply or have underlying health conditions, but still want a wide range of coverage, this plan can help protect you and your health.
FollowMe™ Plans
When you lose health and dental benefits at work – whether you leave, lose your job or retire – FollowMe plans can help keep you protected. You must apply within 90 days of the date your benefits end. When you do, your coverage is guaranteed with no medical questions.
What's covered?
Basic Plan and Enhanced Plan
- Prescription drugs
- Vision care
- Registered specialists and therapists
- Other extended health care services
Enhanced Plus Plan and Premiere Plan
- All of the above plus
- Dental care
When do you pay benefits?
FollowMe plans reimburse a portion or all of your eligible health-related expenses either when you pay or later by cheque or direct deposit into your bank account.
Why should I consider this plan?
With workplace benefits, you didn't have to pay the full amount for many health-related costs. FollowMe plans can help keep you protected from a wide range of out-of-pocket expenses.
Live a healthier life with Manulife Vitality.
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Critical Illness
If you're diagnosed with a critical illness, you may face a lot of unexpected expenses. CoverMe® Critical Illness Insurance provides cash you can use for anything you need – including medications, equipment, travel, childcare and time off work while you recover.
What's covered?
- Cancer
- Heart attack
- Stroke
- Coronary artery bypass surgery
- Aortic surgery
When do you pay benefits?
CoverMe Critical Illness Insurance pays a lump sum of $25,000, $50,000 or $75,000 directly to you by cheque or direct deposit after you survive a covered critical illness for at least 30 days.
Why should I consider this plan?
Every year, hundreds of thousands of Canadians learn they have cancer or experience a heart attack or stroke.1 If it happens to you, critical illness protection gives you financial flexibility so you can focus on getting better.
1 www.cancer.ca, www.hricanada.org
Manulife Vitality is available on all CoverMe Flexcare® and FollowMe™ health & dental plans.
How it works
Health insurance covers vision, dental, and medical expenses you may incur. Canadian residents have access to coverage for basic medical services through their Provincial Health Plan. Supplemental health insurance plans cover expenses your provincial plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but Flexcare, one of Manulife’s supplemental health and dental plan does (subject to plan maximums).
Copay (short for copayment) is generally standard to most health insurance plans. A copay is a flat fee paid by the insured on some health care services such as doctors’ visits. For example, the insured pays a flat $10 on prescriptions and insurance covers the remaining balance up to plan and annual maximums (maximum amount to be paid out by insurance provider in a year). Manulife Individual Health and Dental plans do not apply a copay, but do apply a co-insurance. Co-insurance is also an amount paid by the insured on health and dental claims expressed as a percentage not a flat fee.
You can have a group benefit plan (a plan provided to a group of members most commonly by your employer) and an individual health insurance plan however, you cannot have multiple Manulife individual health insurance plans.
Yes, health insurance plans have plan maximums (maximum amount to be paid out by insurance provider for a specific plan). Maximums vary depending on plan and specific services or items being covered. These plan maximums can be annual maximums (maximum amount to be paid out by insurance provider in a year) and/or lifetime maximums (maximum amount to be paid out by insurance provider during the lifetime of your policy and/or benefit). Once your health insurance plan is maxed out the insurer will not reimburse future claims.
To get health insurance, you must meet the following requirements:
- be a resident of Canada,
- have coverage under your government health insurance plan,
- be at least 18 years of age on the date of application for the policy, except for children of an insured person.
- Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan, and
Note: If the plan is medically necessary or requires a medical questionnaire, you must disclose any medical condition, injury or illness that occurred or existed on or before the date of your application, regardless of whether you went to see a doctor about the condition or were given a diagnosis, or whether or not you believe that it is important.
An annual premium is the amount you pay for your health insurance. Cost of insurance varies based on factors such as age, type of coverage etc. The first premium payment is due before the effective date of the policy.
Yes, you can get treated without health insurance as most Canadians have coverage under their provincial plan. For non-Canadian residents who aren’t covered under provincial plans, medical expenses can be costly. It is recommended that non-Canadian residents look at health insurance options such as a Manulife CoverMe Visitor to Canada plan as provincial plans such as OHIP will only come into effect after 3 months.
Dependents & Co-applicants
No, child support does not have to include health insurance. This is a personal decision as child support is not required to include a health insurance plan.
Yes, marriage is a qualifying event (or a life event) for health insurance. Qualifying events include major events that makes you eligible to change their plan outside of the period where you can sign up for or change your health insurance plan. A qualifying event also allows you to add or remove dependents from your policy.
No, coverage for health insurance only applies to immediate family in your household. A grandchild can be added as a dependent if you have legal guardianship and they reside with you.
Stepchildren can be covered under health insurance however it is supplemental (an accessory). Biological and adoptive children are covered as long you have legal guardianship. Family coverage (insurance policy that covers family members as well as the primary insured) does not cover members of your household if they are stepchildren.
This is a personal decision and may be beneficial to cover for expenses your provincial plan may not. While it is a personal choice, newborns can be added to the policy within the first 30 days without medical underwriting (is when medical or health information is used to evaluate to evaluate coverage).
Health insurance coverage can help cover expenses that are not covered by individual health insurance plans (insurance plans purchased on your own) and or provincial plans. Health insurance is crucial to cover unexpected medical expenses. Financial impacts from these unexpected impacts can be devastating. For example, OHIP does not cover drugs administered outside of a hospital setting whereas supplemental health insurance may.
Plans vary depending on your coverage. Flexcare and FollowMe customers can stay on their plan up to the age of 21. Most group plans (plans provided to a group of members most commonly by your employer) cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in post-secondary program.
Critical Illness
The CoverMe Critical Illness Insurance plan was designed for healthy individuals between the ages of 18 and 65, who want a basic amount of affordable critical illness coverage that can be obtained quickly, easily and without completing a medical questionnaire.
In the Critical Illness Insurance Health Declaration, "signs and/or symptoms" of heart disease means any indication that heart disease may exist – for example:
- Chest pain
- Chest discomfort possibly radiating to arms, neck or jaw
- Irregular heart rate
- Shortness of breath
- Cold sweats
- Nausea
- Lightheadedness
However, these signs or symptoms could be caused by conditions other than heart disease.
In the Critical Illness Insurance Health Declaration, "medical consultations" means visits to a doctor or medical practitioner prompted by signs or symptoms related to the conditions named in the Health Declaration. Medical consultations do not include routine check-ups that were not prompted by these signs or symptoms.
In the Critical Illness Insurance Health Declaration, "abnormal tests" means tests that have a "positive" result or require further testing, investigation or consultation – for example:
- Positive ECG
- Positive stress test
- Positive chest x-ray
- Elevated PSA test
- Positive mammogram
- Elevated blood sugar test
- Positive colonoscopy
They do not include tests with "negative" or normal results that do not require further investigation, run for either diagnostic or routine purposes.
You may still be eligible. However, you are not eligible if you have had an abnormal ECG or been diagnosed with or experienced symptoms of coronary artery disease, heart attack, stroke, TIA or heart surgery.
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*Effective May 1, 2023, a 10% rate reduction applies to all provinces except Quebec. Quebec residents please call 1-844-378-3865 for more information.
The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Eligibility and availability of rewards are not guaranteed and may change over time. Insurance provided by The Manufacturers Life Insurance Company.