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Compare Manulife Association Health and Dental Insurance Plans

Enjoy the Association Health and Dental Insurance plans that is perfectly designed for small / large associations and small businesses.

With a Manulife Association Plans your family can take advantage of the many health and dental plan options available. This plan is also suitable for individuals that are looking for supplemental health care coverage.

These include the Base Plan, Bronze Plan, Silver Plan, and the Gold Plan.

This plan will really help your association financially when they needed most.

Learn more about this Manulife plan

Manulife Association Plans Comparison Table

Health, Dental & Drug Plans
Dental Plans
Plan Benefit
Base Plan
Bronze Plan
Silver Plan
Gold Plan
 
Quote & Apply
Quote & Apply
Quote & Apply
Quote & Apply
Approval Criteria
Guaranteed Issue Plan
Requires Medical Underwriting
Requires Medical Underwriting
Requires Medical Underwriting

Prescription Drugs†(expand for details)

Generic vs brand-name coverage
Generic
Generic
Generic
Brand-name
Shared dispensing fee (Not applicable in Quebec)
$6.50 maximum
$6.50 maximum
$7.50 maximum
Covered
Birth control
Covered
Covered
Covered
Covered
Fertility Drugs
Not covered
Not covered
Not covered
Not covered
Reimbursement on first amount per year††
70% of first $750
70% of first $500
70% of first $500
90% of first $2,222
Reimbursement on next amount per year††
None
80% of next $2,500
100% of next $4,650
100% of next $8,000
Maximum per year††
$525
$2,350
$5,000
$10,000

Dental Services‡(expand for details)

Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services
70%
70%
80%
80%
Reimbursement on extensive services including oral surgery, endodontics, periodontics and denture services
70%
70%
80%
80%
Reimbursement on crowns, bridges, dentures and orthodontics
Not covered
Not covered
Not covered
Year 1 & 2: 0%;
Year 3 & beyond: 60%
($800 maximum every 2 consecutive years)
Combined anniversary year maximums
$400 per year
$500 per year
Year 1: $600;
Year 2 & beyond: $900
Year 1: $750;
Year 2: $1,000;
Year 3: $1,200;
Year 4: $1,200;
Year 5 & beyond: $1,500
Recall visits
9 months
9 months
9 months
6 months

Hospital Benefits(expand for details)

Type of accommodation*
n/a
n/a
Semi-private only
Semi-private & private
Maximum charge per day
n/a
n/a
$150
$200
Reimbursement per anniversary year
n/a
n/a
100% of first 30 days;
50% of next 100 days
100% for complete year
Cash benefit in lieu of accommodation
(Not applicable in Quebec)
n/a
n/a
$25 payable starting on the 4th day ($750 maximum)
$50 payable starting on the 1st day ($3,000 maximum)

Travel Coverage (to age 65)(expand for details)

Maximum $5,000,000 per trip Unlimited number of trips; Maximum trip length
5 days
9 days
17 days
30 days

Core Benefits‡‡(expand for details)

Registered Specialists & Therapists**
Maximum claims paid
$500 combined per year
$750 combined per year
$1,000 combined per year
$1,500 combined per year
Per visit maximum
$25
n/a
n/a
n/a
Chiropractic X-rays
$35 per year
$35 per year
$35 per year
$35 per year
Registered Psychologist or Psychotherapist
Maximum per first visit
$80
$80
$80
$80
Maximum per subsequent visit
$65
$65
$65
$65
Maximum visits per anniversary year
$10
$10
$12
$15
Registered Speech Therapist
Maximum per first visit
$65
$65
$65
$65
Maximum per subsequent visit
$45
$45
$45
$45
Maximum visits per anniversary year
$10
$10
$12
$15
Homecare & Nursing, Prosthetic Appliances, and Durable Medical Equipment
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
$2,500 per year
$3,500 per year
$8,500 per year (combined maximum)
Accidental Death and Dismemberment
Per adult under 65
$10,000
$12,500
$25,000
$50,000
Per child or adult 65 and older
$4,000
$5,000
$10,000
$20,000
Vision
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$150 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$250 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
Custom-made Orthotics
$225
$225
$225
$225
Accidental Dental
$2,000 per year
$2,000 per year
$2,500 per year
$3,000 per year
Hearing Aids
$300 per 4-year period
$300 per 4-year period
$400 per 4-year period
$500 per 4-year period
Lifeline® Personal Response Service***
3 months per lifetime
3 months per lifetime
6 months per lifetime
6 months per 3-year period
Ambulance Services
Unlimited ground and air transportation
Unlimited ground and air transportation
Unlimited ground and air transportation
Unlimited ground and air transportation
Survivor Benefit
Available 1 year after policy effective date
Covered
Covered
Covered
Lifetime Maximum
$100,000
$250,000
$350,000
$450,000
Quebec only: Diagnostic Services (Annual maximums)
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
Plan Benefit
Base Plan
Bronze Plan
Silver Plan
Gold Plan
 
Quote & Apply
Quote & Apply
Quote & Apply
Quote & Apply
Approval Criteria
Guaranteed Issue Plan
Guaranteed Issue Plan
Guaranteed Issue Plan
Guaranteed Issue Plan

Dental Services‡(expand for details)

Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services
Year 1: 50%;
Year 2 & beyond: 70%
Year 1: 50%;
Year 2 & beyond: 70%
Year 1: 60%;
Year 2 & beyond: 80%
Year 1: 60%;
Year 2 & beyond: 80%
Reimbursement on extensive services including oral surgery, endodontics, periodontics and denture services
Year 1: 50%;
Year 2 & beyond: 70%
Year 1: 50%;
Year 2 & beyond: 70%
Year 1: 60%;
Year 2 & beyond: 80%
Year 1: 60%;
Year 2 & beyond: 80%
Reimbursement on crowns, bridges, dentures and orthodontics
Not covered
Not covered
Not covered
Year 1 & 2: 0%;
Year 3 & beyond: 60%
($800 maximum every 2 consecutive years)
Combined anniversary year maximums
$400 per year
$500 per year
Year 1: $600;
Year 2 & beyond: $900
Year 1: $750;
Year 2: $1,000;
Year 3: $1,200;
Year 4: $1,200;
Year 5 & beyond: $1,500
Recall visits
9 months
9 months
9 months
6 months

Core Benefits‡‡(expand for details)

Registered Specialists & Therapists**
Maximum claims paid
$300 combined per year
$300 combined per year
$300 combined per year
$300 combined per year
Per visit maximum
$20
$20
$20
$20
Chiropractic X-rays
$35 per year
$35 per year
$35 per year
$35 per year
Registered Psychologist or Psychotherapist
Maximum per first visit
$80
$80
$80
$80
Maximum per subsequent visit
$65
$65
$65
$65
Maximum visits per anniversary year
$10
$10
$10
$10
Registered Speech Therapist
Maximum per first visit
$65
$65
$65
$65
Maximum per subsequent visit
$45
$45
$45
$45
Maximum visits per anniversary year
$10
$10
$10
$10
Homecare & Nursing, Prosthetic Appliances, and Durable Medical Equipment
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
Year 1: $1,000;
Year 2: $1,300;
Year 3: $1,500;
Year 4: $2,000;
Year 5+: $2,500
Year 1: $1,000;
Year 2: $1,300;
Year 3: $1,500;
Year 4: $2,000;
Year 5+: $2,500
Year 1: $1,000;
Year 2: $1,300;
Year 3: $1,500;
Year 4: $2,000;
Year 5+: $2,500
Accidental Death and Dismemberment
Per adult under 65
$10,000
$10,000
$10,000
$10,000
Per child or adult 65 and older
$4,000
$4,000
$4,000
$4,000
Vision
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
$100 per 2 benefit years plus $60 for Optometrists visits per 2 benefit years
Custom-made Orthotics
$225
$225
$225
$225
Accidental Dental
$2,000 per year
$2,000 per year
$2,000 per year
$2,000 per year
Hearing Aids
$300 per 4-year period
$300 per 4-year period
$300 per 4-year period
$300 per 4-year period
Lifeline® Personal Response Service***
3 months per lifetime
3 months per lifetime
3 months per lifetime
3 months per lifetime
Ambulance Services
Unlimited ground and air transportation
Unlimited ground and air transportation
Unlimited ground and air transportation
Unlimited ground and air transportation
Survivor Benefit
Available 1 year after policy effective date
Available 1 year after policy effective date
Available 1 year after policy effective date
Available 1 year after policy effective date
Lifetime Maximum
$100,000
$100,000
$100,000
$100,000
Quebec only: Diagnostic Services (Annual maximums)
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category
CAT Scans: $200; CA 125 Test: $75; PSA Test: $75; Ultrasound scans: $50; Magnetic Resonance Imaging: $500; Audiologist: $500; Laboratory Tests: $100 per category

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 the consecutive 12-month period following the effective date of your policy, and each 12-month period thereafter. Benefit Year refers to the consecutive 12-month period following the date a claim for a specific benefit is first incurred under your policy. Calendar Year means the 12-month period commencing January 1 and ending December 31.

† Prescription drug coverage applies to costs not covered by your provincial/territorial prescription drug insurance plan, up to the maximums stated above.
Quebec only: The prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this Plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan, or have equivalent coverage under a group plan.

†† Prescription drug coverage is based on Calendar Year for residents of British Columbia, Saskatchewan and Quebec. For all other provinces, coverage is based on Anniversary Year.

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 is purchased, payment will be based on the lowest generic drug cost equivalent, if applicable. If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan. Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, erectile dysfunction drugs, and drugs not requiring a prescription. Other exclusions apply; please consult your policy for details.

‡ Note: If applicable, dental coverage begins at the age when dental coverage under your government health insurance plan coverage ends.

‡‡ Benefits are only payable after yearly maximums allowed under your provincial health insurance plan have been reached, if applicable.

* Manulife cannot guarantee the availability of semi-private and/or private accommodation.

** Registered specialists and therapists include acupuncturists, chiropractors, dietitians, osteopaths, podiatrists, naturopaths, chiropodists, massage therapists, physiotherapists, psychologists, psychotherapists and speech therapists.

*** Manulife cannot guarantee the availability of this benefit indefinitely.

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