Manulife Health Insurance Reviews

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.

I have been a Manulife Customer since 2015 - in 2017 my wife went to Podiatrist. Our understanding was you had a limit of $500.00 per year. My wife underwent treatment at a certified Podiatrist to the tune of 600.00. Manulife would not cover the cost of treatment at all. Called their Customer Service Line and the Rep did not understand why they did not cover the claim to the set limit. Indicated he would get back to me - he did not. Called them again and an agent said they will pay for the visit to the Podiatrist (which they did not) but not for treatment. I asked if this same policy applied to a Chiropractor and she said yes. So I asked her the following: "so if my car was having a problem, I could take it to a mechanic, who could tell me the issue but I cannot get coverage to fix the problem ... so why go to the mechanic in the first place?". She went silent. Manulife just sucks for a personal Follow Me plan - I suggest you look at Great-West Life or the folks from Blue Shield. Manulife and their agents are either dishonest or poorly informed on their own program offerings. Look elsewhere!!!

Belonged to CoverMe.Com for over 5 years. The promotional information and the realities are two different stories. Dental coverage was probably the one area we had the least complaints in and would rate it 4 out of 5 (major dental may not be covered). Medical is 1 to 1.5 out of 5. They have so many unexpected caps so while yes they may cover "..."; it falls under a category and that category has caps, so we presumed we were covered when we were not. If you consider it, companies like this would go bankrupt unless they provided caps, so don't go into it blindly accepting their amazing advertising. Also remember, what the staff tells you means nothing if it is not in writing within the contract and we found answers were less than satisfactory. For us, we decided it would be better to put the cost into a special fund to cover unexpected costs. Bottom line, it was very disappointing.

Rude customer service and NO, they do not cover what they say on the TV ads

Can't log in their website. There are 6 simple fields to fill and when I submit the form to create a user, I get a "something went wrong" error. Tried on Chrome, Firefox, IE 11 and Edge. I'm a developer myself and I would be fired if I would be that bad. A generic "something went wrong" error for a 6 fields form ... Reading the reviews I'm not alone to have a problem registering with their website. Can't pay online. Yup, I follow the instructions provided and it doesn't work. Calling them is a waste of time too. They prefer to blame the users instead of actually working to resolve any issues they have with their online services. My mom got this insurance for me when I was a baby. That's the only reason I keep paying it with a check by post (hello 2019). I'm afraid they won't pay a penny if something happens though. I would drop this scam asap if my mom had not paid for it for 20 years ...

Worst customer experience in my life. They have zero common sense and you have no avenue to talk directly to the people assigned to your complaint. No direct call back number. To say they are clueless is an understatement. They patch you through to the Philippines and those on that end are abhorrent in the ability to be of assistance. Constantly give opposing answers depending on who you talk to at that time. Just shy of calling it a scam. Never again!

I moved to Canada a year ago from Germany and it is unbelievable how much I had to deal with Manulife so far. Any treatment sent to Manulife is first rejected. We have to chase it, make many calls until they start paying it, and then they found a clause somewhere that says something like: "We can only pay 25% for this treatment". It's really like a third world insurance company. Terrible!

Seems like whenever you want to submit a claim, their site is down. Tells you to call a number, you call it and, oh, looks like they aren't open...their site is always down. Zero customer service, digital experience is terrible and they're expensive. For company benefits please choose someone else, your employees will thank you

This was forced on me by my employer. First time I have ever had any sort of health coverage in my life. Thought my 3-night stay at a hospital for hernia surgery would be covered. Not. Guess I'm flushing money down the toilet on every payday. Now that I read the booklet I see many less important things covered but not hospital charges and it was only $765. The customer service guy was ok but the product itself is utter garbage.