Manulife Financial
Association Health & Dental Plans

Base Health & Dental plan
(No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 70%

• Reimbursement on extensive services including endodontics, periodontics and denture services: 70%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: $400 per year

• Recall visits: 9 months

Prescription Drugs

• Generic vs Brand-Name coverage: Generic

• Shared Dispensing Fee: $6.50 maximum

• Birth control and fertility drugs: Not covered

• Reimbursement on first amount per anniversary year: 70% on first $750

• Reimbursement on next amount per anniversary year: None

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $60 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $10,000 per adult

• Maximum: $4,000 per child or senior over 65

Travel Coverage (to age 65)
Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

• Number of trips per year: Unlimited

• Maximum trip length: 5 days.

• Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period immediately preceding each departure date. Not available to persons age 65 and over.

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Covered

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $500 combined for all specialists

• Per visit maximum: $25

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• 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

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Health Service Navigator®

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

Lifetime Maximum

Bronze Health & Dental plan
(2 options: Medical questionnaire required and No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 70%

• Reimbursement on extensive services including endodontics, periodontics and denture services: 70%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: $500 per year

• Recall visits: 9 months

Prescription Drugs

• Generic vs Brand-Name coverage: Generic

• Shared Dispensing Fee: $6.50 maximum

• Birth control: Covered

• Fertility drugs: Not covered

• Reimbursement on first amount per anniversary year: 70% on first $500

• Reimbursement on next amount per anniversary year: 80% on next $2,500

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $60 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $12,000 per adult

• Maximum: $4,000 per child or senior over 65

Travel Coverage (to age 65)
Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

• Number of trips per year: Unlimited

• Maximum trip length: 9 days.

• Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period immediately preceding each departure date. Not available to persons age 65 and over.

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Covered

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $750 combined for all specialists

• Per visit maximum: Not applicable

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• Homecare & Nursing: $2,500 per year

• Prosthetic Appliances: $2,500 per year

• Durable Medical Equipment: $2,500 per year

• Custom-made Orthotics - $225

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Health Service Navigator®

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

Lifetime Maximum

Silver Health & Dental plan
(Medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 80%

• Reimbursement on extensive services including endodontics, periodontics and denture services: 80%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: Year 1: $600; Year 2 and beyond: $900

• Recall visits: 9 months

Prescription Drugs

• Generic vs Brand-Name coverage: Generic

• Shared Dispensing Fee: $6.50 maximum

• Birth control and fertility drugs: Not covered

• Reimbursement on first amount per anniversary year: 70% on first $500

• Reimbursement on next amount per anniversary year: 100% on next $4,650

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $150 per 2 years plus $60 for Optometrist visits

Hospital Benefits

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

• Type of accommodation: Semi-private only

• Maximum charge per day: $150

• Reimbursement per anniversary year: 100% on first 30 days; 50% on next 100 days

• Cash benefit in lieu of accommodation: $25 per day payable starting on the fourth day, Maximum is $750

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $25,000 per adult

• Maximum: $10,000 per child or senior over 65

Travel Coverage (to age 65)
Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

• Number of trips per year: Unlimited

• Maximum trip length: 17 days.

• Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period immediately preceding each departure date. Not available to persons age 65 and over.

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Covered

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $1,000 combined for all specialists

• Per visit maximum: Not Applicable

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 12

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 12

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• Homecare & Nursing: $3,500 per year

• Prosthetic Appliances: $3,500 per year

• Durable Medical Equipment : $3,500 per year

• Custom-made Orthotics - $225 per year

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $400 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Health Service Navigator®

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

Lifetime Maximum

Gold Health & Dental plan
(Medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 80%

• Reimbursement on extensive services including endodontics, periodontics and denture services: 80%

• Reimbursement on crowns, bridges, dentures and orthodontics: Year 1 & 2: 0%; Year 3 and beyond: 60% ($800 maximum every 2 consecutive years)

• Anniversary year maximums: Year 1: $750;  Year 2: $1,000;  Year 3: $1,200;  Year 4: $1,200;  Year 5 and beyond: $1,500

• Recall visits: 9 months

Prescription Drugs

• Generic vs Brand-Name coverage: Generic

• Shared Dispensing Fee: $6.50 maximum

• Birth control drugs : Covered

• Fertility drugs: Not covered

• Reimbursement on first amount per anniversary year: 90% on first $2,222

• Reimbursement on next amount per anniversary year: 100% on next $8,000

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $250 per 2 years plus $60 for Optometrist visits

Hospital Benefits

Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

• Type of accommodation: Semi-private & private

• Maximum charge per day: $200

• Reimbursement per anniversary year: 100% for complete year

• Cash benefit in lieu of accommodation: $50 per day payable starting on the first day, Maximum is $3,000

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $50,000 per adult

• Maximum: $20,000 per child or senior over 65

Travel Coverage (to age 65)
Covers emergency hospital/medical expenses while travelling outside your province or territory of residence and access to a 24-hour worldwide medical assistance centre up to a maximum of $5,000,000 per trip.

• Number of trips per year: Unlimited

• Maximum trip length: 30 days.

• Note: Coverage may be limited or excluded for any illness or condition that first manifested itself within the 9 month period immediately preceding each departure date. Not available to persons age 65 and over.

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Covered

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $1,500 combined for all specialists

• Per visit maximum: Unlimited

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 15

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 15

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 6 months per 3 year period

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• Combined maximum for Homecare & Nursing, Prosthetic Appliances, and Durable Medical Equipment : $8,500 per year

• Custom-made Orthotics - $225 per year

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $500 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $3,000 per year

Health Service Navigator®

With Health Service Navigator, you and your eligible family members can quickly and easily get answers to your questions and access to support services. Easily accessible on the web or with a simple call to a dedicated toll-free line, you will be connected to Health Service Navigator where you can receive information, medical coordination services and resources on how to navigate the Canadian health care system. And, if you want a second opinion from a world-class hospital, Health Service Navigator will help you get it.

Lifetime Maximum

Base Dental plan
(No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: 70%

• Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 50%;  Year 2 and beyond: 70%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: $400 per year

• Recall visits: 9 months

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $50 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $10,000 per adult

• Maximum: $4,000 per child or senior over 65

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Available 1 year after policy effective date

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $300 combined for all specialists

• Per visit maximum: $20

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• 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

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Lifetime Maximum

Bronze Dental plan
(No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 50%; Year 2 and beyond: 70%

• Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 50%; Year 2 and beyond: 70%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: $500 per year

• Recall visits: 9 months

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $50 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $10,000 per adult

• Maximum: $4,000 per child or senior over 65

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Available 1 year after policy effective date

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $300 combined for all specialists

• Per visit maximum: $20

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• 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

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Lifetime Maximum

Silver Dental plan
(No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 60%; Year 2 and beyond: 80%

• Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 60%; Year 2 and beyond: 80%

• Reimbursement on crowns, bridges, dentures and orthodontics: Not covered

• Anniversary year maximums: Year 1: $600;  Year 2 and beyond: $900

• Recall visits: 9 months

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $50 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $10,000 per adult

• Maximum: $4,000 per child or senior over 65

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Available 1 year after policy effective date

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $300 combined for all specialists

• Per visit maximum: $20

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• or 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

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Lifetime Maximum

Gold Dental plan
(No medical questionnaire required)

Dental Services
Covers basic services, paid at a percentage of the current Dental Fee Guide or the reasonable and customary charge in your province of residence.

• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental services: Year 1: 60%; Year 2 and beyond: 80%

• Reimbursement on extensive services including endodontics, periodontics and denture services: Year 1: 60%; Year 2 and beyond: 80%

• Reimbursement on crowns, bridges, dentures and orthodontics: Year 1 & 2: 0%; Year 3 and beyond: 60% ($800 maximum every 2 consecutive years)

• Anniversary year maximums: Year 1: $750; Year 2: $1,000; Year 3: $1,200; Year 4: $1,200; Year 5 and beyond: $1,500

• Recall visits: 6 months

Vision Care
Covers the costs to purchase prescription lenses and frames and/or contact lenses. This benefit does not include industrial safety glasses.

• $100 per 2 years plus $50 for Optometrist visits

Accidental Death and Dismemberment
Payment for a loss directly resulting from accidental bodily injury, including loss of life, where the loss occurs within a year of the date of the accident.

• Maximum: $10,000 per adult

• Maximum: $4,000 per child or senior over 65

Survivor Benefit
Provides survivor benefit for continuous coverage for 1 year, following the death of subscriber or co-subscriber

• Maximum: Available 1 year after policy effective date

EXTENDED HEALTH CARE:

Registered Specialists and Therapists
Includes visits to Acupuncturists, Chiropractors, Dietitian, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists, Social Workers and Speech Therapists.

Registered Specialists and Therapists

• Maximum claims paid: $300 combined for all specialists

• Per visit maximum: $20

• Chiropractic x-rays: $35 per year

Psychologist/Social Worker

• Maximum per first visit: $80

• Maximum per subsequent visit: $65

• Maximum visits per year: 10

Speech Therapist

• Maximum per first visit: $65

• Maximum per subsequent visit: $45

• Maximum visits per year: 10

Lifeline Response Service
Provides 24-hour monitoring service for people coping with medical problems at home.

• Maximum: 3 months per lifetime

Homecare and Nursing, Prosthetic Appliances and Durable Medical Equipment

Covers the services 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.

• or 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

Hearing Aids
Covers the cost to purchase and /or repair up to the allowed maximum.

• Maximum: $300 per 4 year period

Ambulance Services
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 health insurance plan maximum has been reached, if applicable.

• Maximum: Unlimited ground transport

• Maximum: Unlimited air ambulance

Accidental Dental
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.

• Maximum: $2,000 per year

Lifetime Maximum