FlexCare Add-Ons

Manulife Financial

Personal Plans for Individuals and Small Business

(for Ontario residents)

FlexCare^®Add-Ons

Summary of Benefits

These coverage options are only available with a Flexcare^® Core plan. They allow you to customize your Flexcare DrugPlus, DentalPlus or ComboPlus plan to create your own "One-Of-A-Kind" coverage.

1) Extended Health Care Enhanced

8) Accidental Death and Dismemberment Enhanced

9) Catastrophic Coverage

10) Lifeline^® Personal Response Service

Extended Health Care Enhanced
(Medical questionnaire required)

$350,000 lifetime maximum (applies to all Extended Health Care benefits)
Best Doctors® Solutions Services - 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.
Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Physiotherapist - combined maximum of $750 per anniversary year for all eight of these paramedical specialists, including chiropractic x-rays (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
Psychologist or approved social worker - $80 maximum first visit, $65 maximum subsequent visits, 12 visit maximum per anniversary year
Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment - combined maximum of $8,500 per anniversary year

Note: $225 maximum per anniversary year for Orthotics which are included as part of Durable Medical Equipment.

Speech Pathologist/Therapist - $65 maximum first visit, $45 maximum subsequent visits, 12 visit maximum per anniversary year
LifelineMD Personal Response Service maximum of 3 months of service per 3 anniversary years, not including installation fee
Accidental Dental - $3,000 maximum per anniversary year
Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance transportation per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable)
Hearing Aid - $600 maximum per 5 consecutive benefit years

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Hospital Basic
(Medical questionnaire required)

Semi-private room coverage
100% during the first 30 days, 50% of the next 100 days per anniversary year
The reasonable and customary provincial room rates will be paid up to a maximum of $150 per day
Cash Benefit - $25 per day beginning on the 4th day of hospitalization, for a maximum of 30 days, if a semi-private room is not obtained

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Hospital Enhanced
(Medical questionnaire required)

Semi-private or private room coverage
100% coverage per anniversary year
The reasonable and customary provincial room rates will be paid up to a maximum of $200 per day
Cash Benefit - $50 per day beginning on the 4th day of hospitalization, for a maximum of 60 days, if a semi-private or private room is not obtained

Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Hospital Cash
(Medical questionnaire required)

		This benefit provides you with cash to cover personal expenses incurred while hospitalized.

$50 per day, beginning on 4th day of hospitalization, regardless of the type of room
$5,000 maximum per anniversary year
Excludes hospital out-patients

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Vision Enhanced
(No medical questionnaire required)

$500 maximum per 3 consecutive benefit years towards the cost of prescription lenses, frames and contact lenses; $100 of the overall maximum may be used towards laser eye surgery.
$30 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government Health Insurance Plan maximum has been reached, if applicable)
Eyeglasses are covered against breakage and scratches by a repair warranty for a period of 3 benefit years. This warranty applies to lenses and frames purchased under the Flexcare Vision benefit

Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits.

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Travel +8 days
(No medical questionnaire required)

Trips of up to 17 days are covered, up to $5,000,000 per covered person per trip.

Travel coverage is not available to persons age 65 and over; Add-On travel coverage is not available with ComboPlus Starter.

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Travel +21 days
(No medical questionnaire required)

Trips of up to 30 days are covered, up to $5,000,000 per covered person per trip.

Travel coverage is not available to persons age 65 and over; Add-On travel coverage is not available with ComboPlus Starter.

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Accidental Death and Dismemberment Enhanced
(No medical questionnaire required)

The total for both Core plan and Add-On coverage is equal to $50,000 for adults under 65, and is equal to $20,000 for children under age 21 and adults age 65 and over

Note - Enhanced coverage describes the total benefits provided in conjunction with the corresponding Basic coverage benefits.

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Catastrophic Coverage
(Medical questionnaire required)

		Catastrophic coverage is ideal for people who currently have group or individual health coverage but are looking for protection from an unforeseen, serious accident or medical emergency. People without health coverage will also find Catastrophic coverage an excellent way to protect themselves from large, unplanned medical expenses. This coverage provides the following benefits:

Unlimited 100% coverage for generic and name brand prescription drugs when annual claims exceed $4,500 per anniversary year
Additional $25,000 in coverage for Homecare and Nursing, Durable Medical Equipment (wheelchairs, etc.) and Prosthetic Appliances when annual claims exceed $7,500 per anniversary year
In the event of an accident that requires a hospital stay of at least 24 hours, Catastrophic coverage provides unlimited Chiropractor and Physiotherapist coverage, for one year following the accident.
All benefits are paid at the reasonable and customary level, and are coordinated with any other health plan coverage you may have.
Lifetime maximum - $100,000.

Anniversary Year means the consecutive 12 months following the Effective Date of the Agreement, and each 12 month period thereafter.

Benefit Year means the 12 consecutive months following the incurred date of the claim.

Calendar Year means the 12 consecutive month period commencing January 1 and ending December 31.

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Lifeline® Personal Response Service
(No medical questionnaire required)

This is a program designed to get help to those who need it. For people coping with medical problems at home and who want to live more independent lives, Lifeline may be the solution. A simple press of a button, worn in the home, alerts our 24 hour monitoring service that help is needed. Flexcare core plans include some limited coverage. This benefit gives you indefinite lifeline coverage for as long as you need it. The monthly cost includes the unit and the monitoring service. Installation fee not included.

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