Manulife Health Insurance Reviews

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.

At work me and my wife both have Manulife for insurance and we work for the same company. We got married and my wife wanted to add me on to her benefits as well (I added her as soon as I started). To which she was told we didn't submit the request within the allotted 30 day....but yet it took 6 weeks to get the marriage certificate so that timeline is not doable....because of this they are now asking for me to fill out an insurability form to make sure they can insure me....odd, since they already insure me and have all the info already. Once again a perfect example of how insurance companies are useless and the biggest crooks ever. I've dealt with Manual life in my previous job and they are worst to deal with and will do everything they can to not have to shell out any money for STD or LTD.... my arm was almost cut off and they still denied my claim...so go somewhere else and save your money don't deal with them they are of no help and just make things worst mentally(stress) and financially.

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.

They continually request additional paperwork. I spoke with a customer service agent on the phone and she walked me through the entire process. I had issues prior with not submitting enough documents, so I decided I would submit every single document and receipt associated with the claim and they still required more, specifically the name and address of my doctor, which would have been on the initial paperwork.

I called again today and was given a completely different method of filing claims, and told to disregard the previous information. This has happened with every single claim, I've never had this issue with other companies.

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.

Their customer manager sent me information and dates clearly not the same as with their official terms and policies. When questioned their practices, they ignored your questions, and the best part is their official complaint page returns a page not found error when submitting and no one at their complaint department to pick up the phone calls!