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Health & Dental Policies
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.
Health & Dental Insurance |
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| 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.
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| 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.
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Plan
Details |
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
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| Stand-Alones |
- Extended Health Care Basic*
- Extended Health Care Enhanced*
- Hospital Basic*
- Hospital Enhanced*
- Hospital Cash*
- Catastrophic Coverage*
- Lifeline* Personal Response Service
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| 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
Details |
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.
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* Air Miles Rewards
* Medical underwriting required
* Not available with ComboPlus Starter
* Travel coverage not available to persons age 65 and over
Lifeline® is a trademark of Lifeline Systems Inc.
Please note: Catastrophic coverage is not available in the province of Quebec.
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