Manulife Health Insurance Reviews

2016 I was off for 4 months for a bad back, Manulife's favourite trick when you called in was "we didn't receive your claim" even though you faxed in. All the paperwork I faxed to them I had to do it three times, I was even faxing the transmission sheet in to show the days and times I had faxed in the paperwork. Of course, I didn't receive one cent from Manulife. I was back to work in a month, never heard from Patty S, so I called her, she says "Oh I guess we can make a decision now". So I said to her, is this call being recorded? Yes, can you delete the recording? "No", I said:"perfect". Have you ever googled Manulife complaints? It's not pretty what's on there. Two weeks later I get my cheque. Aug 2017 I'm back off work again, for my back, I send in the paperwork, no word... a month passes and I get a call... wish I could remember this lady's name at Manulife, she said "the size of your file, it's obvious you have a problem, I'm going to do a direct deposit once we hang up". WOW, I check my account on Friday, no money, so I called on Monday and talked to the same lady, she said, the way our account is set up she cannot do direct deposit, so she express-posted my cheque, I had it on Monday. They needed updated paperwork a month later I faxed it in, no problem... I'm covered. Then they needed more paperwork for the end of Oct, I called and said my Dr is on vac ' until mid-Nov... no prob, we will cover you... Now since Dec 2017, I have been dealing with Magdalena... she is wonderful. I told her about last year and what Patty S had done. I also said it obvious Manulife has done a shuffle. They are wonderful to deal with and have been very helpful in trying to get me further down the road with my back problems. So I'm giving Manulife a thank you. I realize Manulife has to weed out the phoneys.

Horrible customer service, makes you feel like your not entitled to anything. Have had good experience in past with them. But lately Horrible....

I have suffered for more than 20 years with poor leg circulation which requires me to wear compression socks at a cost of $110 a pair. When I submitted my first claim(They only cover $40 per year) to Manulife I was told in order to process my claim I would need to submit a doctors note which explained my condition (Which is a chronic condition with little to no chance of improving). Second time I submit another claim for same thing and again another doctor note is required which I again submit. Third claim same response. Does anyone not know what chronic means over there! Do they not keep these notes on file! For god sake, they are only paying out $40 on a $110 claim.

First of all their hours of operation are terrible if you live on the west side of Canada since their hours are EST and they are never open on weekends so you can barely get a hold of them. Also, they made a bunch of changes to my plan in 2018 that made my coverage garbage without telling me anything. They lessened my coverage amounts and percentages, and even changed basic dental checkups from 6 months to 9 months! I found this out when I took my son in for his 6 month check up and had to pay the whole amount! Manulife is garbage and I only use them because it's my works insurance but I'm going to cancel the whole plan and just buy my own for me and my family.

In reading the other reviews on here (I'm not a person who ever writes reviews or complains) I feel validated that I'm not alone in my horrible and degrading experience with this unethical joke of a company. What the disgusting parasites I've had to deal with there, after nearly every claim need to remember is that it is my employer's money they're playing with. They seem to forget they're just administering the benefits and it's not their money to withhold as much as they'd love to. They will make you jump through hoops for everything, arbitrarily blacklist providers without explanation which results in claims from those places being rejected, send statements that are intentionally opaque, and as many other victims have pointed out they will absolutely lie to you. I work for a very high-end and professional employer and I'm appalled that they would do business with these slimeballs. I've been with other benefit/insurance providers and have never come close to anything like the frustration and mistreatment I've endured. Of note, these aren't complicated claims, either. They will literally play games, especially with co-pay agreements, and drag out paying you back for an eye exam or simple teeth cleaning. Their hope, as little more than just another greedy investment company at the end of the day, is that you get too fatigued to keep fighting them for the benefits to which you and your family are entitled and just roll over. I would encourage anyone reading this who is in a unionized workplace to make this a bargaining issue - employers who knowingly stay with Manulife should be held to account for the way their employees retreated and harassed by these people.

I would never recommend Manulife!

1. They throw many obstacles in the way of submitting claims.

Chiropractic and physiotherapy were included in my group benefits. The website said my group claims can be submitted directly once I verify my account. I followed all the steps and it still took more than 15 times and 7 months to be able to process direct claims. I needed to send a screenshot to a Manulife representative to prove I had verified my account and each clinic had to call Manulife multiple times to argue on my behalf.

When I went to the dentist and the front desk verified what was covered by my group benefits before I had dental work done. Manulife rejected the claim from the dentist’s office. I had to suddenly pay over $800 on the spot and then submit online at home and wait a month. The receptionist at the dentist’s office had never seen a claim rejected before, except by Manulife.

I can’t think of any reason why these normal claims have so many barriers! Maybe they’re hoping people won’t jump through all the hoops and it’ll save the company money?

2. When I switched to the individual plan I expected to pay more. That’s normal.

What I did not expect was for common prescription medications not being covered at all. Now I need to pay $300 more every month for meds that would be covered by every other insurance company.

There are many more issues I could talk about, including my Long Term Disability Claim, purposefully confusing and misdirecting letters from the company and more. But, I’ll stop here.

You get the point.

Never pick Manulife for your insurance!

They have non-medical trained people asking medical questions and do not understand the answers they are given. They miscategorize autoimmune diseases and think type 1 and type 2 diabetes are the same. I cannot trust their reps to make properly informed decisions and will be switching companies as soon as I can.

They know to take their insurance fee from our pay very well but when you have a claim, they make you run asking you for more information every time you send in your documents. I have had a claim for my 2 kids for just $300. It has taken 2 months and I still did not get any payment from them in spite of us sending all documents required 3 times. All they say is please see your mail, we sent you information we need for our audit department, but those documents have been sent 3 times already and actually, they didn't send anything in the mail, they just kill time so that they can play with our money in the market. When they hold up 100 customers for an amount of say $1000, they can invest that amount in the market for $100,000. This is what they are doing and customer service? Don't ask. All they know is we don't know why the audit is asking for more info, all seems good, we will get back to you or check your mail. WORST INSURANCE COMPANY, GUYS, LOOK OUT.

Put in a claim for the first time. Despite the 80% co-insurance, I was only given 50% of what was paid due to a "reasonable and customary charge" caveat that was not disclosed in the manual or online. I was basically told that it was my fault for not knowing. When the manual you've been given and the information on their website co-incides, how is one to know that there are other limitations that we should be aware of??? First few times I called, i kept on being connected to some call centre in the Philippines whereby it sounds like they read off some script. They don't listen to you, they just talk like robots. Finally was transferred to a supervisor in Ontario and same thing. They don't care about their customers whatsoever. Hate dealing with this company!!!!!