Our Health and Dental products are underwritten by Manulife Financial. These products are covered under FLEXCARE, FOLLOWME, and ASSOCIATION PLANS. Please follow the links to the left for an overview of each product or contact us today !
Flexcare
Product Name:
Flexcare
Product Overview
FLEXCARE is a unique health plan that allows you to select the benefits and level of coverage that best suits you - Prescription Drugs, Dental Care or a combination of both, Vision Care, Extended Health Care, Travel, AD&D (Accidental Death and Dismemberment), Hospital Coverage and more.
Target Market
Any one not fully covered by a group health plan.
Product Structure
Clients choose a core plan: DrugPlus (Basic or Enhanced); DentalPlus (Basic or Enhanced); ComboPlus (Starter, Basic or Enhanced) and then customize it with Add-Ons OR you can select specific coverage without a core plan from the Stand-Alone options.
Plan
DrugPlus plans provide coverage for brand name and generic prescription drugs as well as Vision Care, EHC, Travel and AD&D (choose Basic or Enhanced). DrugPlus plans require medical underwriting.
DentalPlus Guaranteed Issue plans, cover regular cleaning, fillings, examinations and more, plus regular check-ups, and Vision Care, EHC, Travel and AD&D (choose Basic or Enhanced).
ComboPlus plans offer the comprehensive benefits of DrugPlus and DentalPlus combined (choose Starter, Basic or Enhanced). ComboPlus Starter is a guaranteed issue plan; ComboPlus Basic and Enhanced require medical underwriting.
Add-Ons
Vision Enhanced*
Extended Health Care Enhanced*
Hospital Basic*
Hospital Enhanced*
Hospital Cash*
Catastrophic Coverage*
Lifeline* Personal Response Service
Accidental Death & Dismemberment Enhanced
Travel* * - 8 days of additional coverage
Travel* * - 21 days of additional coverage
Stand-Alones
Extended Health Care Basic*
Extended Health Care Enhanced*
Hospital Basic*
Hospital Enhanced*
Hospital Cash*
Catastrophic Coverage*
Lifeline* Personal Response Service
How We Pay the Claims
In most cases, prescription drug claims are processed immediately with our electronic direct payment system. The same is true for many dental claims. All others are processed promptly upon receival of claim.
More
Flexcare is designed to fill the gaps left by government health insurance plans. Since provincial health plans differ across Canada, Flexcare plan coverage and rates differ from province to province. Further, Flexcare benefits are adjusted to reflect the special health priorities and GHIP coverage offered to Seniors.
This is a summary only. Please contact us for complete product information. Actual terms and conditions, including exclusions and limitations are detailed in the policy issued upon application approval.
* Air Miles Rewards* Not available with ComboPlus Starter* Travel coverage not available to persons age 65 and over® is a trademark of Lifeline Systems Inc.
FollowMe
Product Name:
FollowMe
Product Overview
FollowMe is the health plan specially designed for those who are leaving their group health plan behind - any group plan - whether through career change, retirement or job loss. Acceptance is guaranteed without completion of a medical questionnaire as long as your application is received within 60 days of your group coverage ending.
Target Market
Any one whose group health coverage has recently ended or will soon end. (Application must be received within 60 days of group benefits ending.)
Product Structure
Clients select one of four plans - FollowMe Basic, Enhanced, Enhanced Plus or FollowMe Premiere.
Plan
FollowMe Basic - A health plan that provides coverage for generic prescription drugs, vision care, EHC, hospital and AD&D.
FollowMe Enhanced - A more generous plan that offers coverage for generic prescription drugs, vision care, EHC, hospital and AD&D.
FollowMe Enhanced Plus - A comprehensive plan that offers the benefits of FollowMe Enhanced, plus dental care coverage.
FollowMe Premiere - A health plan that provides more extensive protection against the costs of generic prescription drugs, dental care, vision, EHC, hospital benefits and AD&D.
Acceptance is guaranteed for all four levels of coverage, provided that your application is received within the 60-day period. If, however, application is received thereafter, medical underwriting will be required.
How We Pay the Claims
In most cases, prescription drug claims are processed immediately with our electronic direct payment system. The same is true for many dental claims. All other claims are processed promptly upon receipt of claims.
More
FollowMe monthly premiums vary by province. This is a summary only. Please contact us for complete product information. Actual terms and conditions, including exclusions and limitations, are detailed in the policy issued upon application approval.
Association Plan
Product Name:
Association Health & Dental Plan
Product Overview
The Association Health & Dental plan offers eight plan choices.
Target Market
Small to medium sized associations or small businesses.
Product Structure
You select one of eight plans - the Base, Bronze, Silver or Gold Health & Dental plan, or the Base, Bronze, Silver or Gold Dental Plan. The Base Health plan and all Dental plans are guaranteed issue.
Plan
The four Association Health & Dental plans offer increasing levels of coverage for prescription drugs, dental care, vision care, hospital coverage, EHC, AD&D and travel. The four Dental plans offer the same increasing levels of dental care coverage, and Base Health plan benefits excluding prescription drugs.
How We Pay the Claims
In most cases, prescription drug claims are processed immediately with our electronic direct payment system. The same is true for many dental claims. All others are processed promptly upon receival of claim.
More
The Association Health & Dental Plan monthly premiums vary by province or region. This is a summary only. Please contact us for complete product information. Actual terms and conditions, including exclusions and limitations, are detailed in the policy issued upon application approval.