Manulife Health Insurance Reviews
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Manulife is just horrible to deal with. You have to go back and forth with them for information. For example, my coverage for compression stockings is supposedly once every 3 years, but nowhere is this written in the plan document at my employer, the employee benefits booklet or the Manulife website. They want me to submit estimates for some medical supplies even though there are no health specialists or suppliers of those medical products in the city my employer is located. They send you letters that have standard information and incomplete information and not specific to my case. The doctor requisition stated the medical problems as they required yet they asked me to complete a questionnaire regarding why I need the product. I wasted too much time sending documents on the phone with this company. They need to make things easier especially for people with physical challenges.
I chose the best package they offered... not because I needed it, but to make sure if needed it would be there and I wouldn't have to worry about it. Six months in they substantially reduced the coverage and substantially increased the price, without a single claim being submitted. Not recommended.
Worst customer service, worst response time, wrong invoices and their processing time is months
They have too many untrained new employees that do not know what they are doing yet. Several agents promised to call back within 3 days. NONE did and some did not even make notes that they had talked to me. 8 calls and 4 emails, escalated to get issues answered. In August they increased their rates than in January they reduced the benefits allowed... Not cool.
Too bad we can't state Zero stars! Supplied all information provided by Provincial Health Services and Manulife refuses payment due to "insufficient detail". All details possible were itemized on the invoice that they received. Every time I call back to try to get this revisited the person who answers the phone tries to claim they don't have the paperwork that I sent. I will continue to call and escalate - all the way to OLHI if required.
I submitted a claim for an initial physiotherapy appointment. The claim was rejected and I was asked to provide a doctor’s referral. I obtained a new referral and resubmitted the claim.
My physiotherapy claim was rejected a second time as the body part needs to be specified on the doctor’s referral. Why when I called in to see why the claim was not processed the first time was I not told that the doctor’s referral also needed to reference the body part.
It appears to me that Manulife is doing everything it can to delay paying valid claims.
As soon as my membership ran out they started back charging me on payments that had been processed over a year ago. I guess they decided that counselling isn't covered all of a sudden. Do not do business with this company, they will try to screw you over.
In my career, I've dealt with several insurance companies and never had a complaint, but in the three years I've been with Manulife, it's been almost non-stop. Everything is a battle with this company, and when you manage to get a representative to look at your case, they give you a short window of time to mail (yes, physically mail) or fax your documents to them. Their goal seems to be to wear you down so you give up on your claim, or getting your spouse added to your plan, which was arbitrarily rejected. Most recently, they stopped covering my son's medication in full. When I inquired, it was because I wasn't getting a generic version. I asked the pharmacist about this and he stated there is no generic version of this medication. I got in touch with Manulife about this again, and they gave me two days to fax them the receipt (which the pharmacist sent them electronically...). I have no access to a fax, so here's hoping an email will work. At this point, I'm not optimistic. I've tried to straight-up cancel this insurance but there's only one week every two years I'm allowed to make changes to my plan. Time to check with HR and see if it's coming up soon.
Terrible service, no customer value, no details in an email or online account, the poor app on android...
Manulife doesn't even deserve one star. The worst customer service. I have to call and email multiple times just to get an answer to a simple question.