Manulife Health Insurance Reviews

I have health coverage through my employer with Manulife. I recently purchased CPAP mask for my CPAP machine. I have been using CPAP for more than 10 years. CPAP is not listed in covered items on the mobile app however Manulife agent advised me it is covered on the phone. I applied for reimbursement, however It was not paid after 20 days. I followed up several times, and they asked me Doctor's prescription and diagnosis report. So I found the old diagnosis report and Doctor's prescription. Then submitted the documents. It is about one month that I am following reimbursement and each time the agent says within 24–48 hours it will be paid but nothing happens. They lie all the time. They didn't tell me why it was rejected at first place and now 10 days after submitting documents still I am waiting. This is the worst health insurance company I have experience with.....terrible…

I am enrolled with our company health group plan. But this is the worst insurance I've ever dealt with. There's no service at all. For claims, you get denied multiple times if manually submitting even if it's clearly covered. You have to call just to have it get through. No flexibility or care at all with the customer. Even the clinics I go to says the same thing - difficult. I was also previously enrolled with our company group retirement plan. Same thing. The people you talk to are just robotic and no sincere care to help customers get the best value from the benefits they are foremost entitled to.

After having Manulife Group insurance with my employer prior to retirement, I purchased Manulife Follow me at the top coverage plan. Since then, coverage has been reduced every year and rates have gone up every year. My prescriptions that were covered are no longer covered. I advise anyone to look at another company and stay away from Manulife…..they are absolutely brutal in all areas!

When I retired, I enrolled in the Manulife dental and health benefit plan through the Chartered Professional Accountants membership. I was disappointed to find that most of the claims I submitted were denied even though it appeared as though they should have been covered. I would not recommend Manulife to anyone.

If you try to do 2 different procedures same clinic same day will pay only one and only 80% of reasonable (not the price you’ve paid) price only.
Tried not to pay for dental treatment for redoing root channel. Only after my company hr contacted them, reimbursed money saying there was a ‘bug in the system’ on their side.
God save you from getting with this insurance to the point you actually need insurance cause of disability.

If I had the option to give lesser than 0 stars, I would have. No coverage for prescription even though the physician has prescribed the medication. Stay on hold for more than an hour. When you inquire about the rationale for the declined prescription, I am told to coordinate with the physician. The person on the phone kept repeating “coordinate with a physician” when asked to coordinate what? She had nothing to say. I asked to transfer me to the supervisor and to provide the employee ID, I am told that the supervisor is not available and the employee id cannot be shared for privacy reasons!!??? So how are we supposed to resolve any issue? Planning on cancelling the benefit right away if that’s even an option

I have sent a dozen emails to Manulife regarding a case# as well as phone calls back and forth and not one person can get me an answer as to why it’s saying I chose no health or dental coverage. They have not answered a single one of my emails and every time I call customer service they tell me to wait 2-3 days for the email and then that email never comes... The worst customer service experience of my life!

Filed a claim in September 2021 and I still don't know today July 2022 why my claim has not been settled. After many phone calls, and e-mails by my insurance broker and myself we have not had any concrete information as to why my 200.00 euro claim has not been settled. I will not recommend Manulife for travel insurance based on my experience.

Had minor podiatry surgery which the Doctor assured would be covered - denied. Had to have a special prescription with no substitutions - denied. They reduced the wheelchair amount from $3,500 to $800. Their website is not easy to use. Overall the cost of the monthly premiums is not worth it unless your employer is paying for them.

First of all, the staff are not knowledgable. If they decide not to pay a claim, they could give you very stupid reasons. For example, my dentist claimed on my behalf a charge that I had to pay upfront. Here is the list of the reasons Manulife staff provided to avoid reimbursing me what I paid.
1. First call, the customer service agent said that we can't pay the dentist directly - I said they don't require you to pay directly to them, you just need to reimburse me directly what I paid to them.
2. Second call to follow up: new customer service agent: it is not processed because the address on the claim is different from the address on your profile. Ok, can I update my address? No, only your employer can update your address, (this was their answer after they knew that my husband (plan holder) has quit his job) and now they wanted to make it hard on us since my husband cannot call his employer for such stupid reason. I decided to call my dentist and make them change the address on my claim to the previous one (since we still own that home but it is rented out). The dentist changed the address and now I thought it should be good. I submitted myself online.
3. Third call to follow up about the status of my "new" claim: a new customer service agent: I see a note about the address. I said: yes that was the previous claim but now the address on the claim matches the address on the profile. The agent: oh I think it's nothing to do with the address. I think you claimed this diagnosis dental exam last year and now you are not eligible for it. Well, you paid only $19 for that claim and I have a balance of $140 left. Can this cover the cost? No, since you made a claim that's it, regardless of the amount paid, you cannot claim again. And finally, I had to give up since I found it a waste of time for myself.
For everyone who is seeking to get covered. Do Not go with Manulife. And if you do, please know that you will have to pay from your pocket for insured items and you have to beg them to get your expenses covered and be ready to hear different excuses every time you call.