Manulife Health Insurance Reviews

This company is by far the worst insurance company I've dealt with. In order to get reimbursed for drugs you have to fill out 2 page long forms and PHYSICALLY mail them (yes you have to pay for postage as well) just so they can review and maybe pay you. Manulife doesn't allow forms to be submitted online because they want to make as much hassle for their clients as possible so their clients don't even bother submitting anything.

While my experiences with the call centre have not been as bad as some of the other reviews, my overall experience with Manulife has been nothing short of garbage.

Firstly, the time to process claims is a thorough joke. They state 5 - 7 BUSINESS days after they receive the claim (which is bad enough to begin with), but don't kid yourself - you will wait roughly 3 weeks before you see any money back.

Secondly, the coverage is extremely poor - even for "Comprehensive" cover. Manulife pays out "90%" (of the regulatory "norms") - finding a healthcare provider that charges in accordance with the regulatory norms is almost as good as winning the lotto.

I had previously been with Sun Life, but had to change due to moving employers - I experienced NONE of the above issues when dealing with Sun Life whatsoever.

So, if you feel like waiting about 3 weeks to recover a small portion of your medical expenses for "COMPREHENSIVE" cover, then Manulife is your choice.

However, if you actually want any sort of adequate insurance coverage, then you can pretty much GO WITH ANY OTHER SERVICE PROVIDER.

These guys are the worst.

My calls were constantly farmed out and went out to some call center in the Philippines. They demanded several notes and even phoned my doctor. I have now gotten in trouble with my doctor saying they will not do phone and prescriptions for me anymore because of the harassment from Manulife. They are criminals, they do whatever they can to not pay including changing the rules.

It actually cost's me more money to use Manulife when I pick up my prescriptions. They have a 30-40 tablet at a time policy, so I would have to get my prescription broken up into 4 different times of driving to the pharmacy and then paying the fee 4 different times. Ridiculous. I just pay for it all myself once a month and I end up saving $18 in fees, plus the gas and my time each month.

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!

Denied denied denied! Their website is broken and doesn't work half the time, claims online are routinely denied and force you to mail it in. They'll then proceed to sit on it for a month before reviewing. They'll never follow up or have any way of verifying that they even received your claim so you have to sit on hold just to find out. Phone hours are terrible, website hours are short. They make things as difficult as possible compared to the other insurance companies I've been with. Great for shareholders! That's why they're at the top. Terrible for policy holders.

My husband has a health policy with Manulife. I am covered being his spouse. Went online to make a claim, the site does not WORK. Called to advise them of the problem for when you enter your Doctor's phone number it doesn't take the number, The AGENT said he couldn't TALK to me about it without my husband's consent. I asked to speak with a SUPERVISOR, I was REFUSED. All I wanted to do, was REPORT the PROBLEM. I'M TOTALLY DISGUSTED THE WAY I WAS TREATED.

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.

I honestly don't know what I am paying this company for. The one time I submitted a claim for a private prenatal test my doctor referred me for, it took them 2 weeks to process it and then they refused it because it wasn't "recognized by Health Canada".

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.