Manulife Health Insurance Reviews

My online account is often inaccessible.
Not all claims are accepted online and don't expect to see an error or alert message on the screen. Just a regular text saying that your claim was no submitted which is wery easy to skip and if you don't pay attention you may wait few weeks until you realize that something is wrong.
If client service call you back to follow up on your issues then you are a very lucky person.
They will play dumb: won't see some details in invoices and will ask you to call them back when you have additional: diagnosis/procedures names or codes/doctor graduation etc. You call and they will say that the information they requested cannot be accepted by phone and will ask you to send it by... Fax! (fax in 2017 ?!?!) After they make you a favor and agree to accept scanned documents by e-mail you better make sure the attached files are in pdf. Even the way you attach the files is important. Drag and drop in gmail didn't work for me, they couldn't see the attachment - use "Attach files" button. And don't be surprised if at the end they will tell you the service is not covered.

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.

My calls were constantly farmed out and went out to some call center in the Philippines. They demanded several notes and even phoned my doctor. I have now gotten in trouble with my doctor saying they will not do phone and prescriptions for me anymore because of the harassment from Manulife. They are criminals, they do whatever they can to not pay including changing the rules.

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.

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!

We went with Manulife for medicine coverage for my husband. We signed up with them in 2014. At first everything was good. He had been a client for a while and then was diagnosed with sinus polyps and Exercised-induced asthma and a back condition. He needs $300-400 worth of medication every month for basic quality of life. This year he had used all of his benefits half way through the year. So we called and they recommended we upgrade his plan. It would up the amount we could use for medications from $750/year to $5000/year. So we decided to do that and got paper work process underway. Two months later we find out they are accepting him on the policy but only for everything other then the medications he needs for his 3 conditions. They claim its a preexisting condition and they wont pay for anything to do with it even though the conditions were discovered/diagnosed while already under coverage. The insurance company was made aware of every diagnosis and condition every step of the way and never voiced any concerns.

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.

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!

But this shiesty company makes sure their website is down every weekend so your claims cannot be easily updated.

At first, I thought it was a routine maintenance thing but after a month of the same, I've noticed a pattern.

What they are doing is shady, deceptive, and unethical. A watchdog needs to call them on this as it is screwing thousands of people who only have time to enter receipt information on weekends out of their claims.

Manulife Financial Affinity Markets health claims division is a bunch of scam ripoff artists. I'm so tired of calling in and disputing their unsubstantiated claim denials its completely ridiculous. I'm curious to know how many claims they deny and how many of their customers don't call in, complain, forcing them to reassess and then your claim is approved. I suspect they have a completely fraudulent claims department trained and incentivized to deny deny deny saving Manulife thousands maybe millions in unpaid legitimate claims. I have a disease requiring me to submit claims constantly for the exact same drugs and supplies every week or two, and every month or two they deny for no reason. The disease can't be cured, the drugs/supplies don't change in type/quantity/frequency, nothing. This company, and the people working there, are all rip off artists. Their customer service department is also horrible, they belittle you like you are doing something wrong calling in to complain about their decision when requesting an explanation as to why it was denied. They don't offer a reason, they just say, okay, we will reassess and let you know. Which translates to, oh well, this customer caught us, we'll now buy ourselves more time, never give an explanation, and eventually pay it out unless we can delay for fraudulent reasons some more. This should be a class action lawsuit to bring down this terrible company and their unscrupulous behavior.