Manulife Health Insurance Reviews

It would be better to go with any other company. They are only in the business of taking your money and giving you nothing in return. Horrible. Don't waste your time or your money. Example with their health insurance. We pay to have 100% coverage for massages and chiropractor services. If they don't feel the cost of the service if low enough, they do not reimburse the 100% cost. Rather an amount they feel is suitable for the service. It has happened to us twice now. We went for massages with a registered massage therapist, summited our receipts with all the information required, and were given a portion of the amount back. It's an absolute joke. If I could give lower than one star, I would.

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.

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.

They deny everything. The final straw for me was when they denied my medical forms submitted to my healthcare spending account (designed to be used for anything medically related). What a joke of a company.

We added the drug benefits after my husband's knee surgery and after I started menopause. They excluded anything about his knee or my menopause NOT just from the drug plan, but from anything. Ok. But since then, now 6 years, anything we try to claim they refuse to pay without a doctor's diagnosis showing that it's not his knee or my ladyparts. Cancer pain meds? Could be the knee. Osteopath? Might be menopause. The constant jumping through hoops is terrible and wastes our time

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.

I fractured my ankle and went on short term disability for a month. After asking a simple question about whether or not I was entitled to physiotherapy recommended by the surgeon, under short term disability, the case manager avoided my question and went off topic, minimizing the severity of pain I was feeling. The case manager then deferred to the group benefits department. The group benefits department lied to me by omission. They said I wasn't covered for my physio past the $200 a year, but failed to mention I could carry over the amounts into my healthcare spending account the next year. I only found out this information from my employer. The case managers are not true managers in the sense of the word. They just parrot a script. I'd have a better time speaking with a chatbot. At least chatbots have an excuse for being soulless.

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.

They cover you for $200-500/year for paramedical but refuse to accept registered counsellors along with psychologists. Psychologists charge +$200/hour per session Clinical counsellor's charge ~$130/hour per session Even though registered clinical counsellors MUST have a master's degree (same as Psychologists--more in some cases). So basically you pay more for less. Refuse to even listen to any reason and give the same standard answers. I understand that counsellors aren't listed...my question is WHY NOT?