Manulife Life Insurance Reviews

Recently, our family doctor sent a prescription for my husband. The pharmacy advised they were unable to fill the prescription due to a shortage of the medicine. A temporary substitute medication was prescribed only to be rejected by Manulife. I contacted Manulife Nov 17/23 as directed by the pharmacy. The representative advised we would have to have our doctor complete another form for Manulife that would be reviewed to determine if the medication was necessary. I fail to understand why Manulife deems it necessary to invade our medical privacy. A medical professional has determined it is a necessary treatment, that should be all that is required. Manulife also felt it necessary to ensure we were informed of side-effects. The doctor and pharmacist fully discuss the medication and side-effects, so this should not be a concern of Manulife. This harassment is nothing short of discrimination, an invasion of privacy, completely unprofessional and creating an unnecessary delay in treatment that is putting my husband’s well-being at risk.
I waited on hold for over 15 minutes to speak to a Manulife supervisor. The representative came back advising me I would need to continue to wait. I requested to be put on the callback list as I could not wait any longer. The representative advised me there was no way to guarantee a representative would call me back, I would need to wait. A supervisor would not call me back? As of this date (Dec 7, 2023) I have not received a call back. One week after submission of the required documents we received a rejection and request for more information from the Dr. More time wasted and patient put at unnecessary risk! If I could give Manulife less than 1 I would. The saga continues.

I swear I've lost 10 years of my life dealing with Manulife...
They never process the claims correctly and it takes them 2 weeks to process any of my claims. I can never let them process my claims and automatically claim the remaining unpaid portion through HCSA because they never process the claim correctly and end up spending way more money on the HCSA which you would have to spend even more time to get them to re-process and make the changes. That would be fine if they process at a reasonable speed but that's not even the issue... They would NEVER DO IT!!!! If their claim is not processed right, I would have to contact them for over a month straight to get a response and actually get things done right.
Questions are never answered, I have all my customer service conversation transcripts and they always say they forwarded my questions to their teams and they would contact me with the answers but I literally never hear from them again after that.
I would seriously pull my teeth out than to willingly choose them as a provider. I literally have no choice but to use them because my employer chose them.

0% value customer service, specially during the pandemic. Financial advisors does not know anything. Cannot approach in time of need. And ridiculously funny because you will have to loan out the money you paid for with another high interest that you will be charge for the benefit that you should have. If i were you consider others this is a type of insurance with no value and no benefit at all in time when you need it. Even your agent will just be there when it is pay time. When it is claim time wow! Will make it difficult for you. Liars!