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Dental Services |
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Benefits |
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Coverage
Maximums |
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Are paid at a percentage
of the current Dental Association Fee Schedule
or the reasonable and customary charge in
your province of residence. |
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| Reimbursement on examinations, cleanings, fillings, scaling, polishing, diagnostic and other basic dental services, including endodontics, periodontics and denture services |
70% co-payment |
| Anniversary year maximums |
$245 per year |
| Recall visits |
9 months |
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| Prescription Drugs |
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Benefits |
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Coverage
Maximums |
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Drug coverage † |
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Generic coverage* |
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Shared Dispensing Fee |
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$6.50 maximum |
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Reimbursement per anniversary year |
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70% on first $430 |
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| Vision Care |
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Benefits |
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Coverage
Maximums |
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Covers the cost towards prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses. |
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$100 per 2 benefit years
plus $30 for Optometrist visits. |
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| Accidental Death and Dismemberment |
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| Best Doctors™ Solution Services |
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Benefits |
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Coverage
Maximums |
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Offers evaluation of medical records upon diagnosis of serious illness or injury:
Upon diagnosis of a serious
illness or injury, you can receive an evaluation
of your medical records by world-class specialists
who confirm the initial diagnosis and recommend
appropriate treatment options. This fast,
yet in-depth review can reduce potentially
serious complications from a misdiagnosis
and help your local physician determine the
proper course of action. In addition to medical
advice, Best Doctors™ provides
the following services: Treatment planning,
identification of the most appropriate care
provider, and care management. |
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Covered |
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| Survivor Benefit |
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Benefits |
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Coverage
Maximums |
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Provides continuous coverage for 1 year, following the death of an adult Insured. |
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Available 1 year after policy
effective date. |
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| Extended Health Care |
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Benefits |
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Coverage
Maximums |
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Lifetime maximum |
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$100,000 |
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| Registered Specialists and Therapists |
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Benefits |
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・includes visits to: |
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| Acupuncturists, Chiropractors,
Osteopaths, Podiatrists, Naturopaths,Chiropodists,
Registered Massage Therapists, Physiotherapists,
Psychologists and Speech Therapists. |
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| Registered Specialists and
Therapists** |
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Maximum claims paid |
$300 per specialist/therapist |
Per visit maximum |
$20 |
Chiropractic x-rays |
$35 per year |
| Psychologist |
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Maximum per first
visit |
$80 |
Maximum per subsequent
visits |
$65 |
Maximum visits per
year |
10 |
| Speech Therapist |
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Maximum per first
visit |
$65 |
Maximum per subsequent
visits |
$45 |
Maximum visits per
year |
10 |
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| Lifeline® Response Service |
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Benefits |
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Coverage
Maximums |
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Provides 24-hour monitoring
service for people coping with medical problems
at home. |
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3 months per lifetime |
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| Homecare and Nursing, Prosthetic
Appliances and Durable Medical Equipment |
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Benefits |
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Coverage
Maximums |
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Covers the service of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel-chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife Financial. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies. Payment will be coordinated where benefits are available through the Assistive Devices Program. |
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| For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment: |
Year 1: $1,000 |
Year 2: $1,300 |
Year 3: $1,500 |
Year 4: $2,000 |
Year 5: $2,500 |
| Custom-made Orthotics:
$225 per year as part of Durable Medical
Equipment |
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| Hearing Aids |
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Benefits |
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Coverage
Maximums |
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Covers the cost to purchase
and/or repair up to the allowed amount. |
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$300 per 4 year period. |
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| Ambulance Services |
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Benefits |
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Coverage
Maximums |
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Covers trips to hospitals in a licensed ground ambulance. Covers charges up to the amount between what your provincial health plan covers and what is reasonable and customary. Air ambulance is payable only after provincial plan maximum is reached, if applicable. |
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Unlimited ground transport
$4,000 maximum air ambulance |
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| Accidental Dental |
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Benefits |
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Coverage
Maximums |
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Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90 day period following the accident. |
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$2,000 per year |
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All references to “year” refer to anniversary year. When it relates to Hearing Aids and Vision benefits, year refers to benefit year. Anniversary Year refers to each successive 12-month period following the effective date of the policy. Benefit Year refers to each successive 12-month period following the date a claim for a specific benefit is first incurred under the policy.
*Generic drug- A generally less expensive alternative to an interchangeable brand-name drug product. Please Note: not all drugs have a generic equivalent. If a non-generic drug brand exists, payment of the brand-name price will be made at the co-payment level of your plan.
† Birth Control medication and fertility drugs are not covered under this plan.
** Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable. Benefits are payable up to Reasonable and Customary charges. |
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