Health insurance Reviews

Manulife Health Insurance Reviews

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(150 reviews)
Manulife
1.2 out of 5 stars:
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Nothing other than useless.

by Manulife on Feb 23, 2017
1 out of 5 stars

While my experiences with the call centre have not been as bad as some of the other reviews, my overall experience with Manulife has been nothing short of garbage.

Firstly, the time to process claims is a thorough joke. They state 5 - 7 BUSINESS days after they receive the claim (which is bad enough to begin with), but don't kid yourself - you will wait roughly 3 weeks before you see any money back.

Secondly, the coverage is extremely poor - even for "Comprehensive" cover. Manulife pays out "90%" (of the regulatory "norms") - finding a healthcare provider that charges in accordance with the regulatory norms is almost as good as winning the lotto.

I had previously been with Sun Life, but had to change due to moving employers - I experienced NONE of the above issues when dealing with Sun Life whatsoever.

So, if you feel like waiting about 3 weeks to recover a small portion of your medical expenses for "COMPREHENSIVE" cover, then Manulife is your choice.

However, if you actually want any sort of adequate insurance coverage, then you can pretty much GO WITH ANY OTHER SERVICE PROVIDER.

These guys are the worst.

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Useless insurance.

by CC on Feb 10, 2017
1 out of 5 stars

It actually cost's me more money to use Manulife when I pick up my prescriptions. They have a 30-40 tablet at a time policy, so I would have to get my prescription broken up into 4 different times of driving to the pharmacy and then paying the fee 4 different times. Ridiculous. I just pay for it all myself once a month and I end up saving $18 in fees, plus the gas and my time each month.

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Worse than its 2.1 stars

by disgruntled on Feb 10, 2017
1 out of 5 stars

My experience:
Manulife took over our provider Standard Life in April 2016.
We were assured that access to our Standard Life claims would remain active. True until May, after which we were required to call into Manulife to access the information.

Manulife required a new pre-determination for my daughter's orthodontic treatments. Manulife then proceeded to double pay some benefits, sending a bill for the extra amounts, pay incorrect amounts on some benefits, and in all cases fail to process associated Health Spending Accounts (HSA) amounts.

After 8 months I hoping to have a resolution to these issues next month currently I am owed over 1,500 in benefits that are yet to be paid.
History corrections litter the completed claims area with some applied to the wrong patient.

In tracking this issue I have discovered the following:
* Manulife removes claim documents from their website... I have claim documents that I downloaded but can no longer be found in the claims area. After calling Manulife, they stated that they "update" the forms and old versions are replaced and removed.
* The HSA (Health Spending Account) information "current as of the date listed" stated a $0 balance for most of 2016, so no claims were applied to it. In January 2017, the website updated with approximately $600 unused for 2016. All the HSA claims need to be re-filed by mail.

I would rate Manulife 0 stars if I could!

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Great for shareholders

by $3000 policies on Jan 28, 2017
1 out of 5 stars

Denied denied denied! Their website is broken and doesn't work half the time, claims online are routinely denied and force you to mail it in. They'll then proceed to sit on it for a month before reviewing. They'll never follow up or have any way of verifying that they even received your claim so you have to sit on hold just to find out. Phone hours are terrible, website hours are short. They make things as difficult as possible compared to the other insurance companies I've been with. Great for shareholders! That's why they're at the top. Terrible for policy holders.

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Scam

by Disappointed on Jan 17, 2017
1 out of 5 stars

I honestly don't know what I am paying this company for. The one time I submitted a claim for a private prenatal test my doctor referred me for, it took them 2 weeks to process it and then they refused it because it wasn't "recognized by Health Canada".

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Piece of sh*t

by GMan on Jan 12, 2017
1 out of 5 stars

My wife's work recently switched from Great West Life to Manualife. We are planning on doing some eye exams and I just wanted to take a look to make sure it's covered, and how much. I've been trying all day to look up the amount. And each time, the website says it's experiencing technical difficulties and to try again later.
I don't have time for this crap. I have work to do during the day and when I get home I have 3 kids to look after. I can't believe a company of this size can't get their website running properly. And judging by other reviews, this is not a one-time occurrence.
Like seriously. Get your website working. There are tens of thousands of other companies who can get their website running. You should try it too. What a disaster.

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Miserable service

by Kate on Dec 28, 2016
2.5 out of 5 stars

I've been with Manulife for health insurance for 13 years. Every year, there is a rate increase, whereas my benefits have not increased one penny. I should get out of the plan and probably will this year.

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I WISH I COULD GIVE THEM A 0

by Manulife is Horrible! on Dec 6, 2016
1 out of 5 stars

This has got to be the worst god awful company I have ever had the displeasure of dealing with.

We are offered this company through our company and it is the worst company I have ever had to utilize. I have dealt with Sun Life Insurance before and they are always so quick and friendly.

They have me on an audit for the past 7 months for absolutely no reason so I am not able to do any claims online. Therefore it takes weeks to get any claim reimbursement due to having to send it in the mail. It then takes 5-7 BUSINESS days to get the reimbursement. I am with a company, so to be on ANY sort of audit, makes absolutely no sense.

I WARN COMPANIES, IF YOU ARE LOOKING TO WORK WITH A COMPANY TO OFFER YOUR EMPLOYEES, DO NOT, I REPEAT, DO NOT USE MANULIFE.

They have a bunch of young, talent less, rude employees working there.

Let me tell you, I have never written a review in my life, but after the 3rd time of being told I can't submit online and them losing my claim forms and them not having my husband on file even though the initial forms stated this. They are known to use loopholes to not pay out, which is what they did with me. They are honestly the WORST company in North America! I will be making a complaint to my HR department in regards to this, thankfully for me, I have some pull in my company!

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KNow what you're talking about

by AbeJohnson32 on Sep 24, 2015
3 out of 5 stars

To the person who commented on the glasses - EVERY insurance company is this way..every business is this way in terms of the goods or services they offer. When it comes to general insurance guidelines, a claim is processed (paid) based on the date you are (1) dispensed your product - aka you take them home, and (2) the date you pay for your purchase. Not the day you submit your claim. Not the day you 'place your order'.
Think about it from a business perspective - if claims were paid based on the date you 'order your glasses' then you could have your claim paid, and 'cancel your order'. If claims were paid based on the date you submit your claim, people would wait months to submit but always purchase when they were not infact entitled to the purchsase. And who pays for your glasses?? Yes it is the insurance company, but where does the insurance company get the money? Your employer. Many small businesses also pay out each time an employee makes a claim. So if you submit a claim for $200, your employer is billed $200 on their next premium invoice..I've owned a business and I have dealt with all types of insurance plans and this type does exist.
In reality, it's common sence, and you are the one at fault if you can read a simple contract or ask your employer questions,... at the end of the day, it's your employer paying insurance company the premiums, so if everyone did what you are stating, then your employer would be out hundreds or thousands of dollars in premiums..
People always think their getting scammed when they don't get their way, but its really one business trying to protect another, and trying to protect their assets and revenue and avoid scams. Insurance companies aren't trying to withold their money from you, their trying to ensure they and your employers aren't being abused by people like you.

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