Health and dental insurance after your group benefits end

If you’ve lost, or know you will be losing your job, you can join a Manulife FollowMe™ plan to stay covered. To qualify you must be 18+ and have:

• Lost your group benefits within 90 days
• A previous group benefit plan number
• An active Provincial health card
• No employee retiree benefit program

Please note that FollowMe^TM Health Plans are not intended to, and will not, provide the exact same coverage that you may have had under your group or existing health insurance plan.

The duration of how long your health insurance lasts after job loss depends on the reason you’ve left and your company’s policy. For example, many companies stop coverage immediately if you are terminated, whereas you may have coverage for a few weeks if you are laid off. For exact policies within your company, contact a member of your human resources team.

It is important to note that if you are considering a Manulife FollowMe™ plan for health and dental coverage after job loss, that you must apply within 90 days of your plan ending.

Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:

• Prescription drugs
• Dental checkups and treatment
• Vision care
• Semi-private or private hospital rooms
• Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
• Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
• Health-related services such as ambulance, homecare and nursing.
• Emergency medical care for travellers

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.

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. This applies regardless of whether you consulted a doctor about the condition, received a diagnosis, or believe it is important.

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.

Our health and dental plans that offer guaranteed acceptance, including the Flexcare^® ComboPlus™ Starter Plan and all four FollowMe™ plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details.