Manulife Flexcare FAQ

Common Questions about Manulife Flexcare:Manulife Flexcare Q&A

  1. Who should consider Flexcare?
  2. What coverages are available to choose?
  3. Does all the plans require medical underwriting?
  4. Why should I pay for a plan now? I will set aside the money I would use to pay for a drug and dental plan to cover my health care costs in the future.
  5. I am healthy. I don’t need a drug plan.
  6. Why should I pay for the Flexcare® ComboPlus® Starter plan month after month when the benefits are limited?
  7. I am almost 65 and the province will take care of my drug expenses so I do not need a health plan.
  8. I have been approved for a Flexcare® ComboPlus® Basic plan. Can I upgrade to the ComboPlus® Enhanced Plan later?
  9. I just terminated my current group coverage, what other option is available?
  10. Can I cover for my family members?
  11. I’m a business owner, can the premiums for my entire family be treated as business expense deduction?
  12. After I apply online, what should I expect to receive?
  13. What are the claim procedure?
  14. If I need further help in this plan, where could I get help from?

 

[note] To Run a Quotation or to Apply Online for Manulife Flexcare, Please Click Here.

Business owners must also fill out the “Small Business Employer Enrolment Summary”  [/note]

 

 

Answers about Manulife Flexcare:

 

  • Who should consider Flexcare?
    • If you are not covered by a group health plan
    • If you are unhappy with the health coverage you currently have
    • If you would like to insure against the risk of having to pay hefty unexpected medical expenses
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  • What coverages are available to choose?

    • There are 7 plans available. They are the ComboPlus (Basic, Starter, Enhanced), DrugPlus (Basic, Enhanced), DentalPlus (Basic, Enhanced). Furthermore, different add-ons & stand alone coverages are also available to be included.

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  • Does all the plans require medical underwriting?
    • No, the ComboPlus Basic, DentalPlus Basic and DentalPlus Enhanced do not require any medical underwriting. For the other plans that do, you simply have to fill in medical questionnaires online.

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  • Why should I pay for a plan now? I will set aside the money I would use to pay for a drug and dental plan to cover my health care costs in the future.
    • While future dental costs may be predictable, drug costs more often are not. Costs for typical health conditions or unexpected injury or illness can be significant. Did you know that households in Canada spent $4.6 billion out-of-pocket on prescription drugs in 2009 alone?¹ If you are diagnosed with a serious illness, a Flexcare® ComboPlus™ plan with Catastrophic Coverage would cover unlimited drugs with associated expenses like paramedical, hospital rooms, homecare and more.We all know the old saying, “health is more important than wealth.” But if your health suffers, your wealth will too, without the right insurance protection in place.

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  • I am healthy. I don’t need a drug plan.
    • Your good health is all the more reason to apply for a drug plan now. You can get a dental plan at any time – Flexcare® DentalPlus® Basic and Flexcare® DentalPlus® Enhanced are guaranteed issue plans.
    • However, if you have health concerns or need to start taking medications in the future, you may not qualify for a drug plan that covers the cost of brand-name drugs or has high maximums, just when you need it most. The costs of typical prescription drugs for heart disease, acne or arthritis can be hundreds of dollars each month. Flexcare® helps to protect against these costs.
    • Purchase a drug plan when you think you need it the least. Then you will have it when you need it the most.
    • By selecting a Flexcare® ComboPlus® Enhanced plan, you will have the highest level of generic and brand-name prescription drug coverage we offer. If generic drug coverage is for you and you will not need birth control, fertility or brand-name drugs, Flexcare® ComboPlus® Basic is the right plan for you.

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  • Why should I pay for the Flexcare® ComboPlus® Starter plan month after month when the benefits are limited?
    • The Flexcare® ComboPlus® Starter plan is a great bargain. This is a guaranteed issue plan with no medical underwriting, which means that medications you already take will be covered.
    • For example, if you are under 45 and live in Ontario, your premium would be around $765 a year. The plan would provide coverage for prescription drug costs and dental care costs of almost $1,000, plus you would have coverage for vision care, registered specialists and therapists, homecare, diabetic supplies, emergency medical travel costs and more.
    • With a Flexcare® ComboPlus® Starter plan you can easily receive more money in coverage than you pay for premiums.

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  • I am almost 65 and the province will take care of my drug expenses so I do not need a health plan.
    • We recognize that a good drug and dental program should provide coverage for costs not covered by your government health plan. That’s why the premiums for all Flexcare® plans drop at age 65. Flexcare® plans will cover you for the deductible portion on your drugs and the pharmacy fees, and you will have coverage for several benefits not covered by the province – including vision care, hearing aids, and homecare if you should need it. And, remember, health care costs increase with age. The average health care costs of a 75-year-old are 550% of a 30-year-old’s expenses.²
    • Flexcare® health plans are designed to be cost effective for all ages.

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  • I have been approved for a Flexcare® ComboPlus® Basic plan. Can I upgrade to the ComboPlus® Enhanced Plan later?
    • I recommend to all my customers who qualify for the Flexcare® ComboPlus® Basic plan to immediately consider an upgrade to the Enhanced coverage. There is no further medical underwriting required and you will receive the best coverage we offer.
    • If you begin taking any medications in the future, you may have to say “goodbye” to the upgrade option!

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  • I just terminated my current group coverage, what other option is available?
    • You may consider the Manulife FollowMe coverage. FollowMe Health is specifically designed for those whose employee health benefits are ending, who are concerned that their age or health issues may make it difficult to obtain affordable health and dental insurance. FollowMe Health gives you four distinct levels of individual insurance to choose from. That way you can select the one that best suits your needs and budget. Apply within 60 days of your health benefits at work ending and no medical questionnaire is required. Your acceptance is guaranteed. This plan can also be accessed through the link at the bottom of the page.

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  • Can I cover for my family members?
    • Yes, you may cover your spouse as co-applicant and list your children as dependants under the same plan.

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  • I’m a business owner, can the premiums for my entire family be treated as business deduction? 
    • Yes, premiums may be treated as your business deduction. However, you should also consult with your accountant for exact details.

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  • After I apply online, what should I expect to receive?
    • Applicants will receive a welcome package by mail. Within the package, there will be a drug card, claim forms and full details in regards to your coverage. Please review them carefully.

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  • What are the claim procedures?
    • Some pharmacies accept you to pay directly from the Manulife drug card, while you only need to pay the difference from the actual cost and the plan’s coverage. For those who don’t accept the drug card, you simply prepay the drug costs, and mail us the receipt along with the filled in claim form. Manulife will reimburse the coverage amount back to you.

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  • If I need further help in this plan, where could I get help from?