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Manulife FollowMe Health and Dental Insurance Plan

Help protect yourself and your family when needed with Manulife FollowMe Health and Dental Insurance plans.

With a Manulife FollowMe Plan your family can take advantage of the many health and dental plan options available. You can get as much coverage as you need for as long as you need it by choosing one of four plans available from this Manulife insurance plan.

These include the Basic Plan, Enhanced Plan, Enhanced Plus Plan, and the Premiere Plan.

Your benefits can help pay for your family’s prescription drugs, dental services, prescription eyewear, hearing aids, chiropractic visits, massage therapy, orthotics and more.

Learn more about this Manulife plan

Manulife FollowMe Plans Comparison Table

FollowMe Plan Options
Plan Benefit
Basic
Enhanced
Enhanced Plus
Premiere
 
Quote & Apply
Quote & Apply
Quote & Apply
Quote & Apply
Approval Criteria
Guaranteed Issue Plan
Guaranteed Issue Plan
Guaranteed Issue Plan
Guaranteed Issue Plan

Prescription Drugs2(expand for details)

Generic coverage
Generic3
Generic3
Generic3
Generic3
Shared dispensing fee (not applicable in Quebec)
No maximum
No maximum
No maximum
No maximum
Reimbursement
80%
80%
80%
80%
Anniversary year maximums
$500
$1,250
$1,250
$2,500

Dental Services(expand for details)

Covers basic services, paid at a percentage of the current Dental Association Fee Schedule in your province of residence. (Note: If applicable, dental coverage begins at the age when your government health insurance plan coverage ends.)
Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services
Not covered
Not covered
80%
80%
Reimbursement on extensive services including oral surgery, endodontics, periodontics and denture services
Not covered
Not covered
80%
80%
Reimbursement on crowns, bridges, dentures and orthodontics
Not covered
Not covered
Not covered
60%
Anniversary year maximums
N/A
N/A
Year 1 $700; Year 2 $850; Year 3+ $1,000
Year 1 $800; Year 2 $1,000; Year 3+ $1,500
Recall visits
N/A
N/A
9 months
6 months

Vision Care(expand for details)

Covers the costs towards prescription lenses and frames, contact lenses and laser eye surgery.
This benefit does not include industrial safety glasses.
• $150 per 2 benefit years
• $60 for Optometrist visits
• $200 per 2 benefit years
• $60 for Optometrist visits
• $200 per 2 benefit years
• $60 for Optometrist visits
• $300 per 2 benefit years
• $60 for Optometrist visits

Hospital Benefits(expand for details)

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.
Type of accommodation
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room / Private Room
Maximum charge per day
$175
$175
$175
$200
Reimbursement per anniversary year
50% for 150 days
100% first 60 days; 50% next 90 days
100% first 60 days; 50% next 90 days
100% first 100 days; 60% next 90 days
Cash benefit in lieu of accommodation
• Per day: $25
• Maximum: $1,500 anniversary year
• Per day: $50
• Maximum: $3,000 anniversary year
• Per day: $50
• Maximum: $3,000 anniversary year
• Per day: $50
• Maximum: $5,000 anniversary year

Extended Health Care Benefits(expand for details)

Registered Specialists and Therapists
Registered specialists and therapists include acupuncturists, chiropractors, dietitians, osteopaths, podiatrists,naturopaths, chiropodists, registered massage therapists and physiotherapists.
Lifetime max. : $100,000
Max. claims paid: 20 visit max. per specialist per anniversary year
Per visit maximum: $15 per visit
Chiropractic x-rays: $35 per year
Lifetime max. : $200,000
Max. claims paid: $600 combined per anniversary year
Chiropractic x-rays: $35 per year
Lifetime max. : $200,000
Max. claims paid: $600 combined per anniversary year
Chiropractic x-rays: $35 per year
Lifetime max. : $300,000
Max. claims paid: $650 combined per anniversary year
Chiropractic x-rays: $35 per year
Psychologists, Psychotherapists and Clinical Counsellors
Max. per 1st visit: $80
Max. per next visit: $65
Max. visits per year: 10
Max. per 1st visit: $80
Max. per next visit: $65
Max. visits per year: 10
Max. per 1st visit: $80
Max. per next visit: $65
Max. visits per year: 10
Max. per 1st visit: $80
Max. per next visit: $65
Max. visits per year: 12
Speech Therapist
Max. per 1st visit: $65
Max. per next visit: $45
Max. visits per year: 10
Max. per 1st visit: $65
Max. per next visit: $45
Max. visits per year: 10
Max. per 1st visit: $65
Max. per next visit: $45
Max. visits per year: 10
Max. per 1st visit: $65
Max. per next visit: $45
Max. visits per year: 12
Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment
Covers the services of registered health professionals including registered nurse, registered practical nurse, licensed practical nurse, personal support worker, occupational therapist; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment. Payment will be coordinated where benefits are available through the Assistive Devices Program.
• Year 1: $500
• Year 2: $750
• Year 3+: $1,250
For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical equipment
• Year 1: $1,000
• Year 2: $1,500
• Year 3+: $3,000
For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical equipment
• Year 1: $1,000
• Year 2: $1,500
• Year 3+: $3,000
For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical equipment
$3,500 per year
For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical equipment
Custom-Made Orthotics
Covers charges for the purchase of custom-made orthotics (plaster cast or computer tomography).
Maximum of $250 per year
Maximum of $250 per year
Maximum of $250 per year
Maximum of $250 per year
Accidental Dental
Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident.
Maximum of $2,000 per year
Maximum of $2,500 per year
Maximum of $2,500 per year
Maximum of $10,000 per year
Hearing Aids
Covers the costs to purchase and/or repair up to the allowed maximum.
$300/5 benefit years
$400/5 benefit years
$400/5 benefit years
$600/5 benefit years
Ambulance Services
Covers trips to hospital in a licensed ambulance. Covers charges up to the amount between what your government health insurance plan covers and what is reasonable and customary.
Unlimited ground and air transport
Unlimited ground and air transport
Unlimited ground and air transport
Unlimited ground and air transport
Lifeline® Personal Response Service1
Coverage towards a 24/7 home monitoring service for you, your family and your extended family (parents, grandparents and in-laws) when dealing with medical problems.
Max. of 6 months every 3 years
Max. of 6 months every 3 years
Max. of 6 months every 3 years
Max. of 6 months every 3 years
Healthcare Online1
24/7 access to health care professionals (including physicians and nurse practitioners) online, through the app or over the phone.
Preferred Pricing
Preferred Pricing
Preferred Pricing
Included

Fracture Benefit(expand for details)

Pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture.
Not covered
Up to $350
Up to $350
Up to $500

Accidental Death and Dismemberment(expand for details)

Payments for accidental death or dismemberment directly resulting from an accident, occurring within one year of the date of the accident.
• Up to $10,000 for adults
• Up to $5,000 for children and persons aged 65 years or over
• Up to $25,000 for adults
• Up to $10,000 for children and persons aged 65 years or over
• Up to $25,000 for adults
• Up to $10,000 for children and persons aged 65 years or over
• Up to $50,000 for adults
• Up to $15,000 for children and persons aged 65 years or over

Survivor Benefit(expand for details)

Provides for continuous coverage for one year following the death of an adult insured.

1 - Manulife cannot guarantee the availability of this benefit indefinitely.
2 - Prescription drug coverage in the provinces of British Columbia, Saskatchewan and Quebec is based on calendar year.
3 - The prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
4 - No medical underwriting required if application is received within 90 days of leaving group health insurance plan.
5 - Available to primary applicant only.
Anniversary year means the 12 consecutive months following the effective date of the agreement, and each 12-month period thereafter. Benefit year means the 12 consecutive months following the incurred date of the claim. Calendar year means each successive 12-month period commencing January 1 and ending December 31. All references to “year” refer to anniversary year. When it relates to Hearing Aids and Vision benefits, “year” refers to benefit year.
*Generic Drug - A generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug cost is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.
FollowMe Health plans are not intended to provide and will not provide the exact same coverage that you may have had under your group or existing health insurance plan.

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