Manulife FlexCare Plan

What is included in the plan?

Take your coverage with you, even if you change jobs or if your health changes in the future.

If you are looking for a health and dental insurance product that covers all the bases, the Manulife Flexcare plan may be the product for you. The product is divided into several plans, which provide you with access to the services you need.

There are separate plans that feature coverage for prescription drugs and dental services, in addition to a plan that provides coverage for both prescription drugs and dental services. You can further enhance your coverage with several add-ons, such as vision care and travel insurance, just to name a few.

What are the available plans?

There are several plans available under the FlexCare Coverage banner, including:

• DrugPlus Basic
• DrugPlus Enhanced
• DentalPlus Basic
• DentalPlus Enhanced
• ComboPlus Starter
• ComboPlus Basic
• ComboPlus Enhanced

What are the benefits of the Manulife Flexcare plan?

The Manulife Flexcare plan allows you to save money on out-of-pocket costs associated with routine and unexpected health and dental care procedures. You can also carry your coverage with you if you ever change jobs or if your health changes in the future.

One of the best things about this plan is its built-in flexibility. You have the freedom to choose the amount and type of insurance coverage that aligns with you and your family’s needs.

Among the plan’s many advantages are:

• Electronic claim submission
• Seniors aged 65 and over qualify for additional coverage
• Families with three or more children receive a special rate
• Payments can easily be made with pre-authorized payments or by credit card

Plan details

• Prescription drugs
• Dental services
• Combination of prescription drugs and dental service with vision care and extended health care coverage

Stand-alone coverage

• Hospital
• Catastrophic

Optional add-ons

• Coverage for hospital stays
• Additional vision care coverage
• Coverage for accidental death and dismemberment
• Catastrophic illness coverage
• Travel insurance coverage

How much does Manulife FlexCare coverage cost?

Like many insurance products, the cost for Manulife’s Flexcare varies based on the number of people being covered, your age and the type of coverage you purchased. For example, a single person purchasing a plan for just themselves would pay less than a married person with a plan covering a spouse and one or more children.

If you have any further questions regarding costs for Manulife FlexCare health benefits, you can request online health quotes then compare or contact one of our insurance specialists today.

How do I submit a health or dental claim?

Manulife’s Flexcare plans allow you the convenience of submitting your claim online or on paper through standard mail. In some cases, the service provider may submit a claim for you because many dentists, pharmacies and medical institutions can send claims directly to Manulife for processing. If submitted this way, there is no paperwork for you to complete and you will only be responsible for covering the portion not covered by your plan. If the service provider did not submit a claim on your behalf, you must submit it yourself.

Online claim submission

• Complete the online claim form
• Submit it within a year (12 months) from the date you were charged for the service
• Submit it after you pay an amount greater than any deductible that is part of your plan
• Indicate the type of currency for all services obtained outside of Canada
• Retain all applicable receipts and documentation for a one-year period

Paper claim submission

• Complete and sign the paper claim form
• Submit it within a year (12 months) from the date you were charged for the service
• Submit it after you pay an amount greater than any deductible that is part of your plan
• Indicate the type of currency for all services obtained outside of Canada
• Retain all applicable receipts and documentation for a one-year period
• Complete the extended health claim form for all non-dental coverage
• Have your dentist complete the dental benefit claim form for all dental coverage

How do I cancel my coverage?

If you’re wondering how to cancel Manulife Flexcare coverage, here is how.

If you are dissatisfied with your coverage and wish to cancel it, you must send a written notice with your signature to Manulife indicating your intention to cancel. Once Manulife receives the letter, your coverage will cease on the day your payment is due on the date following Manulife’s reception of the letter.

When you receive the policy or Certificate of Insurance, you can return them, along with a written and signed cancellation letter to Manulife within 30 days for a full refund of your premium(s). If you choose to return to Manulife after your cancellation, you must reapply and subsequently requalify for the medical requirements as if you were a new client.

Similar Manulife Insurance Products

• Health & Dental

Health & Dental

• Manulife Association Health and Dental Plans
• Manulife FlexCare Plan
• Manulife FollowMe Plan
• Proguard Series Disability Insurance
• Venture Series Disability Insurance
• Buy-Sell Plus Disability Insurance
• ExpenseComp Disability Insurance
• Personal Accident Disability Insurance
• Livingcare Long Term Care Insurance
• Lifecheque Critical Illness Insurance
• CoverMe Critical Illness Insurance
• Lifecheque Basic Critical Illness Insurance
• Manulife Synergy Insurance

Additional resources

Learn more about your Manulife FlexCare insurance options from these informative articles.