Manulife Group Benefits Insurance Reviews

My group benefits plan has an allowance for health care and an allowance for a health care spending account. Once I started submitting claims where the balance of the 80/20 spend was covered by the health care spending account they then started charging the entire balance to the spending account rather than actually covering any of the expenses themselves. This is frustrating because the balance of this account, if not used is transferred to the following year. I consider this theft. They would find garbage excuses to not remit the funds, requesting documents never requested before such as doctor's notes for massage therapy or physiotherapy or the like, and not accepting claims because the receipt is "registered counselor" vs. "guidance counselor". Needless to say, I will be encouraging my HR department to reconsider the use of Manulife in the future, this is a part of my compensation package and I am thoroughly unsatisfied.

I've had coverage through Manulife several times over the years through different companies I worked for as well as once for life insurance. Each time an employer had benefits through Manulife it was awful. They typically do not provide packages that offer eye care or things like a visit to the audiologist. The coverage is also often very low such as $200 coverage for glasses. Well, good glasses from an eye doctor have cost over $500 for the last ten years. Or $75 coverage for an eye exam. Well, eye exams now cost well over $100. We've had to call a few times about coverage and they always put you on hold for extended periods of time and then come back and let you know that there's nothing for your needs.
The life insurance experience was atrocious. The people on the phone couldn't understand English and one woman thought that I told her I had tumors! I don't. Then another person lied and said we would be 100% covered through them for death and disability. They sent a package that showed we were preapproved for 100% coverage. Then after we signed up with them they sent another package that showed the underwriters had refused us full coverage and we were paying full premiums for partial coverage. Our broker working with us was very upset. We ended up switching to another insurance company. However, Manulife continued to withdraw funds from our bank account for six months! When I figured out what was happening and called the woman on the other end refused to refund the funds claiming that it was our fault for not calling sooner. I assured her that we would be blocking them from taking any funds from our accounts in the future.
Both my husband and I currently have Manulife as our insurance provider and I hope to be filing a complaint with our Human Resources group about it shortly. They're awful and I really encourage anyone who has a choice to go elsewhere.

Serious problems with Manulife. Repetitive website blackouts and no phone support. On hold for more than 3 hours to speak to a representative… I wonder how they can still be in business…

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.

Worst service ever! Recently switched to Manulife and they deny claims for no reason, impossible to contact on the phone.

Manulife is our company's Group Plan - and for the most part, are pretty good at paying you for submitted claims, unless it is something for long-term treatment of an illness. They do not communicate with you, they rely on you looking up your statement via their website. You are not assigned a person you can directly contact. I do also have an outside company that is submitting paperwork on my behalf, and they as well do not have a direct person to speak with, and Manulife does not communicate with them either after submissions have been made.
I have an autoimmune disease, and Manulife somehow thinks it is okay to decide what is the best for my treatment, not my specialist.

Recently I submitted a prescription drug claim and didn't receive the statement for a whole month. I sent an email to query about it, and a representative replied saying that the prescription drug was not covered by my plan. It was blood sugar testing strips, and it was covered before. In the replied email, the representative wrote down a different DIN from the one on the receipt that I sent to them, which shows me the representative was careless and not customer-oriented. I know the testing strips' DIN is different from the store by store, so it is totally understandable that the auto-billing system cannot handle it properly, BUT the representative should have better knowledge regarding this, not just saying it's not covered.

I have experienced several group benefits companies, Manulife is the second-worst.

I paid into Manulife and haven't been able to use them for over a year because they were too stupid to change my birth year from 77 to 78. I got my HR department to contact them on several different occasions to the point that they were annoyed with me asking so much. I submitted a lot of receipts from this time and they weren't honored. I sent a chiropractor receipt and I get 15 bucks for that? Not cool. Thank you for taking advantage of me and ripping me off.

Been in a battle for over a year to add coverage for my dependent. I have to explain everything every time I call in, and am always read the same script, the record so far is FOUR times being read a script and having them ignore my questions.

It always ends the same: “I’ll get a superior to call you back tomorrow”, and when tomorrow comes I get a template email with the same script I’d already gotten from the service rep and no phone call, OR NOTHING AT ALL and I have to call in yet again. It’s awful.

When they do approve things, they phrase it in a way that makes it sound like you’ll finally get the coverage you’re paying for, only to find it’s a slimy way of denying coverage yet again and reversing all the claims back on you.

I’ve given up, this company is truly awful and their service reps have zero knowledge and can only read from prompts, a bloody parrot could do their job.

Manulife said since only 1 eye changed they only paid for 1 lens in my eyeglasses!