Manulife Health Insurance Reviews

Trying to deal with manulife has been a terrible experience for me. They say that dentist needs to fill out forms a certain way, but will not speak to the dentist. They tell me to submit a claim online and when I do it tells me I must manually submit a claim. I am of the opinion that they intentionally make things obtuse so that the claimant will give up in frustration.

We have been with this terrible not-Coverme me program and I can tell you it is horrible. They are super bureaucratic, even my cat's health insurance is much easier and convenient to deal with. You have to fill endless papers and once in a while they change their mind and something that was covered for years suddenly they will make stupid excuses and don't cover anymore (it happened with my daughter psychologist). You have to call and talk to different people and all of them will give you different answers on the same topics, they know nothing. They raise the quote once in a while, the doctors increase their fees and Manulife has the same shitty coverage. Don't believe what the commercials say and look for a serious insurance company.

I opted in through my group program to get basic benefits. When the company I got glasses, dental, and health benefits from sent in claims, it was great and hassle free. The moment I tried contacting them, it drove me crazy. There is no email for the group program without signing up, and that sign up takes several days before it can be approved to create one to do so. I have tried calling, but it's either busy or it's too late to do so.

My employer switched from GWL to Manulife a few months ago for benefits coverage. Apparently Manulife was significantly cheaper for the employer and nothing would change in terms of our benefits. This has not been true. From my perspective and based on my terrible experiences thus far, the reason that they are cheaper is because the employees are now paying for the difference. For example, Manulife has disallowed registered massages because the massage therapist obtained their certification in BC instead of in AB where they practise. This was frustrating because Manulife and my employer did not document this absurd requirement anywhere and now. My employer indicated that they were not aware of this policy so they actually refunded me for the massage. They have told me to get all of the details regarding the Reg Massage Therapist before I book a massage which is such a pain and creates extra stress. In addition, Manulife's website is down on weekends. On Sat, you cannot submit claims after 8pm and Sun, after 5pm. As a parent that works fulltime, it is very difficult to make time to process these claims except on weekends after my young kids have gone to bed. For me, I have actually stopped using my benefits because the thought of trying to process the claim and what Manulife will come back with causes me instant anxiety. Ugh

Where is the 0/5 rating? Dealing with ManuLife is a living hell, a red-tape maze designed by Lucifer himself to waste your life chasing your tail. When you finally do jump through all their fiery hoops, they then send your claim benefits to the wrong party, then require you to re-navigate the labyrinth all over again. Avoid this imbecile company like the plague!

I agree with the below comments as I've had a few claims come back and it goes back and forth until they finally process your claim. I recently moved companies and they told me that they wouldn't accept my claim because it depends on when you receive your contact lenses versus when you submit and actually pay for your order???? I've never heard of this and quite frankly think it's BS. Better off not paying into their plans and paying your own way through.

Manulife works hard to not pay your claim. I have had to call repeatedly about claims made for dental costs and I am advised to resubmit or told that code is not covered. So 50% usually equates to 20% if I'm lucky. there is no customer service wanting to make the process seamless and hassle free. It's hoop jumping so they do as little work as possible in hopes I am sure that the customer becomes frustrated and gives up.

As others have mentioned, it is very difficult to submit a claim and get your benefit paid. The benefit paid does not reflect the amount eligible. Especially if they have calculated wrongly, you will never receive your money back. If you try to call, they will tell you that they will do further investigation and will provide you with an update. When they email you, you will not be able to reply back. If you send a note, they will not reply as well. Stay away from this company!

I have had a terrible accident and I have had a few surgeries. With serious injuries. Every bill I submit by default gets rejected. While I need to rest to recover I have to be on phone with them to convince them that it is included... They ignore doctor notes by reputable surgeons they ignore hospital bills they basically do their best to not pay anything to the insured person.