Manulife Group Benefits Insurance Reviews

Not pleased on how they handle their customer services.
Their app is so limited. You still have to go on website to access a lot of their services and it is not friendly user as well.

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.

Manulife is the most frustrating company I have ever had to deal with.
I asked before enrollment what are the eligible expenses under our PSA. I was told financial services was included. I called again to ask exactly what financial services were included. I was told X was included.
I submit a claim for X and it was denied. I call back 3 times and resubmitting things until I find out X is not covered but Y is. I submit a claim for Y. It also doesn't go through. I call to ask why.
The service rep tells me only dental services are covered. I said that doesn't make sense. I do some digging and it turns out Financial services was completely taken off. What's going on?
I pointed out it seems Manulife is playing around and changing things. She said they don't do that. Right.
Their services reps are clueless. Their claims department deny everything. There's no consistency. The website has no email contact option. While waiting for their call centre they can suddenly put me on a silent line that never gets picked up.
Stressful and absolutely terrible.

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

A year ago, I used to be under a group benefit with Manulife with another trucking company where I had prescriptions for my diabetes.
I worked for a different company, then after a year, I switched companies again. This new company had benefits with Manulife as well. But all of a sudden, Manulife needs confirmation from a Doctor that I have diabetes. They told me it was because it was a new account. I told him it's a new account, but it's the same profile I'm the same person that you covered last year. Not very smart. I wish more companies would drop Manulife because if they're not in the business of helping people and taking care of those who need medication, then close down your business. Because they really don't care about people. They're not willing to work with anyone. Also you leave a message, and they say they'll call you back tomorrow. But it's been 4 days, and they haven't called back, and I bet they don't plan on calling back either until I call back frustrated! This is unacceptable. They try and make things more difficult so that you won't put in any claims so they can keep their premiums. I urge everyone to approach your administrator to change to a different provider.

I have called Manulife 3 times today with a simple question, the first time I was told to call my Colleague info center and when I did they just transferred me back to Manulife. The second time the operator told me he was going to make some calls on my behalf, then I was transferred again to the CIC. Very unnerving to deal with. I should know better than trying to get any answers out of them. Very bad customer service.

We don`t even get instant reimbursement for drugs, the system is a nightmare and they keep raising the cost on us, plus as truckers we have to pay the whole thing outright out of our pay cheque, the company isn't allowed to cover anything for us. we get nothing in terms of coverage and in fact they keep diminishing. And every time we put in a claim they mess something up and we end up owing them money. Its a scam. Stay away from Manulife. Although, judging by the reviews I've seen its looking like the industry as a whole is in terrible need of a clean up.

Keep denying dental claim because dentist in Ontario used Ontario dental codes. Employer in BC so will only accept BC codes. Got the BC codes from a dentist in BC and they still denied claim.
Canadians are free to live and work in different provinces, so this is a ridiculous and discriminatory policy.

Our money is better spent elsewhere, they always made it difficult to file a claim. I avail full benefits but it seems like partial to none.

1. Staff is not knowledgeable. Every time I've called the customer service person sounds annoyed that they had to answer the phone, have no clue what they're talking about.

2. Online claims take forever to process, previous providers have paid within 24 hours of submitting online claim, I have claims sitting for weeks before my measly 20% coverage is paid back to me.

3. Coverage is terrible at best, I know this has a lot to do with my employer as well, however it's unfortunate that a modern benefits provider would cater such terrible coverage.