Manulife Health Insurance Reviews

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.

We have Manulife as our company's health and benefits insurer. We have only been with Manulife for 1 1/2 years and I have already had two multi-month disputes with them about honouring claims. They make it as difficult as possible to get your money. You have to jump through so many hoops to get your claim that it is obvious that they just hope you eventually give up and leave them your money. We were formerly with Great West Life. What a shame that our company tried to save money by switching insurers. GWL was so nice to deal with.

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.

I've recently dealt with manulife for a claim, and they found a really insignificant, immaterial, technicality to deny me my claims. I couldn't believe it. When I first got rejected, I had called their agents, and they said they would take care of it because they thought Manulife was being unresonable too, otherwise they would have just said no right away, but was rejected 2 weeks later. This same thing happened with 4 other agents for the next 3 months, until I expressed my dissatisfaction on social media. They told me to contact client relations, and after 2 weeks, they told me I'm denied again. What was the point of that?! They will screw you over, then drag it out for months until you finally give up in frustration. They are the worst, and I will never buy any policy from them again, and I warn anyone who is considering Manulife to stay the hell away unless you want to be wrongfully denied reimbursement and lose sleep over it.

Through my work group insurance I have dealt with many companies over the years...Blue Cross...you name it...but these guys are the absolute worst. They turn down claims based on a few dollars and expect the client to pay hundreds because they'll save 20. Not good enough when you are paying these people 40 or 50 dollars a week for coverage that you have no say in. It's just so unfair and disheartening to see a big company like this treat their clients like this. I would never recommend this company. Ever.