Flexcare® ComboPlusᵀᴹ Starter Plan
You don't have to manage prescription drug and dental costs all on your own. Flexcare® ComboPlusᵀᴹ Starter Plan provides affordable coverage with no medical questions, and three optional add-ons you can use to enhance your plan.
ComboPlusᵀᴹ Starter Plan may be right for you if you don't use prescription drugs very often and you need dental protection mostly to cover your regular check-ups.
View a Sample Policy as a reference that indicates limitations, exclusions and conditions.
Drugs
- 70% of first $750 (up to $525 every year)
- Dispensing fee (up to $6.50 every time)
Dental
- 70% of first $575 (up to $400 every year)
- Check-ups every 9 months
Vision
- $150 every 2 years
- Optometrist fees up to $70 every 2 years
Extended Health Care
$250,000 over lifetime for registered specialists and therapists, orthotics, hearing aids, homecare, medical equipment and more (after government health plan maximums reached)
Survivor benefit
- Continued coverage with no premiums for 1 year after death of an insured adult
- Available 1 year after policy effective date
Registered specialists and therapists
- Acupuncturist – $25/visit x 20 visits
- Chiropractor – $25/visit x 20 visits plus $35 for chiropractic x-ray
- Naturopath – $25/visit x 20 visits
- Physiotherapist – up to $250
- Psychologist/Psychotherapist/Clinical counsellor (combined) – $80/first visit or $65/subsequent visit x 10 visits
- Registered Massage Therapist – $25/visit x 20 visits
- Speech Pathologist/Therapist (combined) – $65/first visit or $45/subsequent visit x 10 visits
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More extended health care
- Orthotics (custom-made) – $225
- Hearing aids (purchase or repair) – $400 every 4 years
- Homecare and nursing – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $1,700 in year 4; $3,000 in year 5+
- Durable medical equipment (e.g., wheelchairs, ventilators and lifts) – $1,000 in year 1; $1,300 in year 2; $1,500 in year 3; $1,700 in year 4; $3,000 in year 5+
- Ambulance (air or ground) – unlimited
- Accidental dental - $2,000 maximum per person, per anniversary year
Manulife Vitality
- Live healthy
- Earn rewards
- Save money
Travel
- $5 million in emergency health coverage for first 9 days of each trip
- $100 deductible per claim
Add-On
- Hospital - Covers a semi-private or private hospital room
- Travel - Enhances plan coverage by 8 or 21 days
- Accidental Death and Dismemberment (AD&D)
These plans may also work well for you.
ComboPlusᵀᴹ Basic Plan
More coverage at a reasonable cost
ComboPlusᵀᴹ Enhanced Plan
The most comprehensive ComboPlusᵀᴹ plan
Compare all plans
See all Flexcare® plans at a glance.
Manulife Vitality is available on all CoverMe Flexcare® and FollowMe™ health & dental plans.
Top 5 questions about Flexcare®
If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.
First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.
If your provider hasn't already submitted your claim, you can submit your claim online or on paper by mail.
Submit your claim online:
- Within 12 months of the date you were charged
- After you've paid more than any deductible in your plan
- Specify the currency if your claim is for services outside Canada
- Hold onto original receipts and applicable supporting documentation for 12 months
Submit your claim on paper by mail:
- Within 12 months of the date you were charged
- After you've paid more than any deductible in your plan
- Specify the currency if your claim is for services outside Canada
- Include original receipts and applicable supporting documentation
- Make sure you've signed your claim form
- Extended health claim form – for all covered expenses except dental expenses
- Dental benefit claim form – must be completed by your dentist or dental specialist
For FlexCare Customers
If you're in Canada or the United States, call our Assistance Centre at 1-800-805-1008. Outside of Canada or the United States, call collect at 1-519-251-7298.
For Follow Me Customers
If you're in Canada or the United States, call our Assistance Centre at 1-855-857-5919. Outside of Canada or the United States, call collect at 1-519-251-1570.
Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:
- Prescription drugs
- Dental checkups and treatment
- Vision care
- Semi-private or private hospital rooms
- Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
- Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
- Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
- Emergency medical care for travellers
Our health and dental plans that offer guaranteed acceptance, including the Flexcare® ComboPlusTM Starter Plan and all four FollowMeTM plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental plans only cover new medications. Refer to your policy for more details.
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Flexcare® Plans Important Notice
This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval and payment of any required premium. Conditions, limitations, and exclusions apply. See policy for details.
The Vitality Group Inc., in association with The Manufacturers Life Insurance Company, provides the Manulife Vitality program. Vitality is a trademark of Vitality Group International, Inc., and is used by The Manufacturers Life Insurance Company and its affiliates under license. Manulife, Manulife & Stylized M Design, and Stylized M Design are trademarks of The Manufacturers Life Insurance Company, and are used by it, The Vitality Group and its affiliates under license. PO Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Eligibility and availability of rewards are not guaranteed and may change over time. Insurance provided by The Manufacturers Life Insurance Company.