Manulife Group Benefits Insurance Reviews

I have group benefits with Manulife. In the benefits I'm provided with 12 occurrences at 100% coverage for RMT visits. I've recently injured my back and booken an RMT appointment which was $95.00 with taxes for the initial visit. I submitted my claim through Manulife's app foe the $95.00. I was only reimbursed with $40.00 since $40.00 was what is "deemed reasonable" for the appointment. The average cost for an initial RMT visit in my area is $100.00. It would be reasonable to take an average of these costs in my area to come up with the reimbursement cost. It's funny because 4 years ago $40.00 was the threshold for what was deemed reasonable. They don't update their covering costs and rip off companies who opt for group benefits with them. I would never recommend Manulife to anyone.

Horrible experience and I wish my employer had other health insurance options. I work as a nurse and my plan has a 450$ limit per year for massage therapy but then when I submitted a claim for 110$, they decided to reimburse me only for 106$ after multiple submission and finally I had to call them for that. The reason was that’s what the company deems reasonable. I wish, I could determine how they charge but that’s beyond my control. There is no mention of that in their mobile app. And I know my other friends whose insurance doesn’t even require a note for a massage therapy in the same work sector. So much for transparency and quality

I had a basic dental claim for cleaning and scaling and they found a way to mark some of the line items of the invoice as ineligible. I end up paying most of it out of pocket.
Absolute worst insurance I’ve ever had. My company cheaped out for sure.