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.

Get a quote Not sure which plan to choose? Get a recommendation
Are you looking at the right plan? Check your age and province.

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

TELUS Health Virtual Care

Get easy and immediate healthcare, including mental health, when and where you need it. Learn more

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)
Does this plan seem like a good match for your needs?

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.

  

  

vitality-logo

Manulife Vitality is available on all CoverMe Flexcare® and FollowMe™ health & dental plans.

Learn more

Would you like a brochure?

We'll send one out to you right away.

Yes, please!

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.

See all questions

Discover more