Manulife Health Insurance Reviews

If you try to do 2 different procedures same clinic same day will pay only one and only 80% of reasonable (not the price you’ve paid) price only.
Tried not to pay for dental treatment for redoing root channel. Only after my company hr contacted them, reimbursed money saying there was a ‘bug in the system’ on their side.
God save you from getting with this insurance to the point you actually need insurance cause of disability.

I waited for 2.5 hours for someone to answer the call and finally gave up. Was able to get a hold of someone a month ago when I called but that took 40 minutes and they were extremely unhelpful. They just repeated talking points without answering a single question. On top of all that they refuse to direct bill paramedical services (e.g. physiotherapy) even though they claim to do direct billing when you call them. Submitted claims sit unchecked for weeks and there's no way to get in contact with them without waiting for hours on the phone. I'm embarrassed to be a customer.

As soon as my membership ran out they started back charging me on payments that had been processed over a year ago. I guess they decided that counselling isn't covered all of a sudden. Do not do business with this company, they will try to screw you over.

Service à la clientèle nul . Ils ne prennent même pas en considération la
note du médecin , ils arrêtent l’assurance même avec une note médicale et ils disent qu’ils n’ont pas assez d’informations pour continuer la demande.
Ils te poussent de retourner au travail même si t’es incapable parcequ’ils disent qu’ils ne paieront plus. J’ai jamais vue une assurance autant nulle et considère ces clients comme des numéros et s’en fiche de ta situation. Il faut juste les payé à eux mais quand t’as besoin d’eux ils font tout pour ne pas payer et supporter leur clients.

I worked for my company for 7ish years. Recently moved to full time to receive benefits. After a month or so of being full time, I had some dental repairs. They paid me absolutely nothing, claiming I wasn't eligible because I didn't have coverage at the time of operation, which is categorically untrue. Additionally, there is no way of contacting them to dispute the claim. Stay as far away from these crooks as you can, don't trust them with even pennies for the dollars cause they won't actually care to pay even the minimal amount when it comes down to it.

Almost every claim with them is initially rejected or delayed for invalid or illogical reasons and involves consistent follow-up time, stress and aggravation. Below are just a few examples. Example 1: I have coverage only for myself; I do not have my spouse or anyone else as a dependent with them. However, for a standard claim for myself, I was told that I need to set up “Co-ordination of Benefits.” The claim I submitted was for myself. Therefore asking for “Co-ordination of Benefits’ does not make sense. Eventually, the claim was paid after several attempts and other incorrect replies. Example 2: For a straight-forward eye-exam (my coverage is 50% every two-years), and this exam was well over two years from my last one, they did not pay up-front saying that they need to “review and adjudicate” the claim before approving the payment. This was only a $59.00 payment, and should not have required any review as it is part of my standard coverage. It should have been paid automatically. The Health Tier I selected & paid for includes eye-exam, therefore this review is unreasonable. Example 3: I submitted a claim online with the dentist’s name, address, phone # etc. clearly entered. The claim was not paid and when I followed up they sent an email stating that “we need the name of the dentist who provided the procedure.” Note: It is impossible to submit an online claim without entering the practitioner’s info; the system would not allow a user to proceed without it. When I pointed out that the info was indeed on the claim, they then said they need the procedure code (which I had also provided). I then provided every bit of coding and detail (on a phone call to them) but still not good enough, I had to re-mail paper-work. At the time of this review, the claim is still pending. Finally, trying to have anything paid from my Health Care Spending Account balance is a nightmare.

We, unfortunately, don't get a choice as insurance is chosen by my husband's company. We could not figure out why my son's dental visit was not fully covered but mine was. My husband called and asked and they said that between ages 8 and 12 they get 8 units a year but can only use one unit at a time. That means you would have to take your child to the dentist every 6.5 weeks to use the 8 units. 1 unit is 15 minutes. So take them every 6.5 weeks for a 15-minute appointment. My husband asked how anyone would be able to know this as there is nothing anywhere on their website, on our account page, or in any booklet anywhere that tells us these important details. She acknowledged that and said we should maybe do a pre-authorization before every appointment. I have 4 kids. How much does it cost them to do a pre-auth every time? Likely more than allowing my son to use his 8 units better. I told our dentist office about this and they were flabbergasted. The representative simply told us to take it up with our HR office but they likely have no idea about this like the rest of us. It feels like they could just make things up as you go. There is zero proof this policy exists except that they said so. They had nothing to show us or send us. I don't trust them at all.

Can't log in their website. There are 6 simple fields to fill and when I submit the form to create a user, I get a "something went wrong" error. Tried on Chrome, Firefox, IE 11 and Edge. I'm a developer myself and I would be fired if I would be that bad. A generic "something went wrong" error for a 6 fields form ... Reading the reviews I'm not alone to have a problem registering with their website. Can't pay online. Yup, I follow the instructions provided and it doesn't work. Calling them is a waste of time too. They prefer to blame the users instead of actually working to resolve any issues they have with their online services. My mom got this insurance for me when I was a baby. That's the only reason I keep paying it with a check by post (hello 2019). I'm afraid they won't pay a penny if something happens though. I would drop this scam asap if my mom had not paid for it for 20 years ...

They messed up my coverage and overcharged me by 420. I'm not a millionaire and that hurt. Each weekly pay they promise to pay it back. They never do. Total fraud. Would never deal again with them

Horrible customer service, makes you feel like your not entitled to anything. Have had good experience in past with them. But lately Horrible....