Snapshot: Benefits and Rate Information –
British Columbia
Plan Comparison
Core Benefits
Vision (Basic), Chiropractor,
Chiropodist, Osteopath,
Naturopath, Podiatrist,
Registered Massage Therapist,
Acupuncturist, Psychologist,
Speech Pathologist/Therapist,
Physiotherapist, Homecare and
Nursing, Prosthetic Appliances,
Durable Medical Equipment,
Health Service Navigator®,
Preferred Vision Services (PVS),
Accidental Dental, Ambulance,
Hearing Aid, Emergency Travel
Health Coverage, Accidental
Death and Dismemberment,
Survivor Benefits.
Extended Health Care (EHC)
Lifetime maximum $250,000
DentalPlus Basic
TM
DentalPlus Enhanced
TM
Ongoing Maintenance
9-month recall
Total benefits payable:
Year 1: 50% of first $1,150
Total payable per anniversary
year in year 1: $575
Year 2 and beyond: 80% of first
$400; 50% of next $860
Total payable per anniversary
year in year 2+: $750
Ongoing Maintenance
6-month recall
Total benefits payable:
Year 1: 70% of first $1,200
Total payable per anniversary
year in year 1: $840
Year 2 and beyond: 100% of first
$500; 60% of next $700
Total payable per anniversary
year in year 2+: $920
Combined maximum of
$1,250/3-year period for:
DentalPlus Basic and Enhanced
• Oral Surgery, Endodontics,
have an escalating yearly
Periodontics
maximum for Home Support,
Year 1: 0%; Year 2: 60%
Durable Medical and
Year 3 and beyond: 80%
Prosthetic Appliances
• Major Restorative
First 2 years: 0%
Year 3 and beyond: 60%
No medical questionnaire required. No medical questionnaire required.
Please note: All plans include core benefits.
DrugPlusTM Basic
Generic Drug Plan
70% of first $750
90% of next $4,972
Total benefits payable per year:
$5,000
Full coverage of reasonable
and customary dispensing fees*
Exclusions –
smoking cessation drugs,
over-the-counter drugs,
fertility drugs, birth control
drugs, erectile dysfunction
drugs and drugs not requiring
a prescription
DrugPlusTM Enhanced
Brand-Name Drug Plan
90% of first $2,222
100% of next $8,000
Total benefits payable per year:
$10,000
Brand-name or generic drugs,
including birth control and
fertility drugs
Full coverage of reasonable
and customary dispensing fees*
Exclusions –
smoking cessation drugs,
over-the-counter drugs, erectile
dysfunction drugs and drugs not
requiring a prescription
ComboPlusTM Starter
DENTAL:
Ongoing Maintenance
9-month recall
70% of first $575
Total benefits payable per year:
$400
PRESCRIPTION DRUGS:
Generic Drug Plan
70% of first $750
Dispensing Fee Cap: $6.50*
Total benefits payable per year:
$525
Exclusions per DrugPlus Basic
ComboPlusTM Basic
DENTAL:
Ongoing Maintenance
9-month recall
80% of first $400
50% of next $860
Total benefits payable per year:
$750
PRESCRIPTION DRUGS:
Coverage as outlined in
DrugPlus Basic
Escalating yearly
maximum for Home Support,
Durable Medical and
Prosthetic Appliances
No medical questionnaire required.
ComboPlusTM Enhanced
DENTAL:
Ongoing Maintenance
6-month recall
100% of first $500
60% of next $700
Total benefits payable per year:
$920
Combined maximum
year 1: $400 and combined
maximum of $1,250/3 years:
• Oral Surgery, Endodontics,
Periodontics
Year 1 & 2: 60%
Year 3 and beyond: 80%
• Major Restorative
Year 1 & 2: 0%
Year 3 and beyond: 60%
PRESCRIPTION DRUGS:
Coverage as outlined in
DrugPlus Enhanced
AGES: Single Adults
DentalPlus Basic
DentalPlus Enhanced
DrugPlus Basic
DrugPlus Enhanced
ComboPlusTM Starter
ComboPlusTM Basic
ComboPlusTM Enhanced
< 45
45 – 54
55 – 59
60 – 64
65 – 69
70 – 79
80 – 89
90+
$68.40
$72.40
$72.70
$75.90
$73.70
$75.90
$79.10
$117.40
$103.50
$124.60
$127.40
$129.90
$123.50
$123.70
$122.10
$147.30
$51.40
$59.90
$67.70
$74.20
$59.30
$71.60
$85.50
$142.60
$76.30
$80.60
$88.90
$98.50
$80.90
$98.50
$125.20
$198.20
$64.40
$76.90
$81.20
$86.70
$80.20
$92.50
$104.10
$152.70
$76.70
$94.20
$98.60
$105.90
$88.20
$100.30
$105.60
$154.60
$121.40
$149.40
$159.60
$167.20
$147.30
$158.70
$172.60
$202.30
$57.00
$60.50
$60.90
$63.80
$61.20
$63.60
$66.30
$102.30
$87.50
$106.20
$108.70
$111.00
$105.00
$105.00
$103.30
$125.80
$42.50
$50.80
$57.80
$64.40
$49.20
$61.10
$74.30
$128.90
$64.50
$69.10
$77.00
$85.80
$68.00
$84.90
$109.80
$178.20
$55.00
$66.90
$70.50
$76.10
$69.10
$81.20
$92.20
$139.60
$66.70
$83.50
$87.10
$93.90
$76.70
$88.20
$93.10
$140.80
$109.50
$136.60
$145.90
$153.20
$133.70
$144.40
$157.10
$186.00
$21.10
$35.50
$23.70
$67.00
$24.10
$20.00
$34.20
$26.00
$27.00
$32.30
$29.70
$39.10
$39.10
$73.50
$19.10
$31.90
$21.30
$60.70
$21.70
$18.00
$30.80
$23.70
$24.50
$29.20
$26.50
$35.40
$35.40
$66.20
TM
TM
TM
TM
Couples – Per Adult
< 45
45 – 54
55 – 59
60 – 64
65 – 69
70 – 79
80 – 89
90+
1-2 Children – Per Child
<5
5 – 20
3+ Children – Per Child
<5
5 – 20
Seniors’ Adjustments
65+
EHC Lifetime maximum
$260,000
Travel coverage not available.
Travel coverage not available.
Travel coverage not available.
Travel coverage not available.
Travel coverage not available.
Travel coverage not available.
Travel coverage not available.
All benefits are based on Anniversary year maximums except for Vision and Hearing Aid benefits, which are based on Benefit year, and Prescription Drug benefits, which are based on Calendar year. Rates are effective May 1, 2015, and are subject to change without notice.
*Subject to applicable co-payment.
Add-On Coverages
Catastrophic Coverage
($4,500 deductible)
Catastrophic Coverage
($10,200 deductible)
Unlimited 100% coverage for Unlimited 100% coverage
drugs after $4,500 deductible. for drugs after $10,200
deductible.
Up to $25,000 coverage
for Homecare and Nursing,
Durable Medical Equipment
& Prosthetic Appliances after
$7,500 deductible.
Unlimited Chiropractor and
Physiotherapist for 1 year
following accident requiring
hospitalization.
Up to $25,000 coverage
for Homecare and Nursing,
Durable Medical Equipment
& Prosthetic Appliances after
$7,500 deductible.
Hospital Basic
Hospital Enhanced
Semi-private room, 100% first 100% of private and semi30 days, 50% next 100 days; private room coverage, up to
up to maximum $150 per day. maximum $200 per day.
Cash Benefit in lieu of room:
$25/day beginning on the 4th
day. Maximum of 30 days.
Cash Benefit in lieu of room:
$50/day beginning on the 4th
day. Maximum of 60 days.
Vision Enhanced
Travel +8 Days
$100 towards laser
eye surgery.
Trips of up to 17 days are
covered (i.e. 9 days + 8 days)
$500 maximum per
3 consecutive benefit years.
$5,000,000 per covered
person per trip.
$100 deductible per claim.
Optometrists to maximum of
$50/2 years.
Not available with ComboPlus
Starter.
Unlimited Chiropractor and
Physiotherapist for 1 year
following accident requiring
hospitalization.
Travel +21 Days
AD&D Enhanced
Trips of up to 30 days are
$50,000 for adults and
covered (i.e. 9 days + 21 days) $20,000 for children
($25,000 Core coverage &
$5,000,000 per covered
$25,000 Add-On coverage
person per trip.
for adults; $10,000 Core
$100 deductible per claim.
coverage & $10,000 Add-On
coverage for children.)
No medical questionnaire required.
No medical questionnaire required.
No medical questionnaire required.
No medical questionnaire required.
Hospital Enhanced
Vision Enhanced
Travel +8 Days
Travel +21 Days
AD&D Enhanced
$7.30
$6.70
$7.40
$10.70
$14.20
$20.50
$29.80
$39.00
$9.70
$9.30
$10.60
$14.70
$18.20
$26.50
$38.50
$50.60
$16.10
$17.30
$17.70
$17.90
$15.50
$13.60
$12.10
$11.60
$4.40
$4.40
$5.20
$6.90
n/a
n/a
n/a
n/a
$7.30
$7.30
$8.30
$11.80
n/a
n/a
n/a
n/a
$3.30
$3.40
$3.50
$3.50
$3.20
$4.00
$7.00
$10.90
$12.20
$13.50
$14.90
$16.40
$20.00
$22.50
$26.30
$28.80
$6.90
$6.60
$7.20
$10.10
$13.60
$19.60
$27.80
$36.00
$9.30
$8.70
$10.10
$12.50
$17.00
$24.70
$35.80
$46.80
$13.60
$14.20
$14.70
$14.90
$12.90
$11.50
$10.50
$9.70
$4.40
$4.40
$5.20
$6.90
n/a
n/a
n/a
n/a
$7.30
$7.30
$8.30
$11.80
n/a
n/a
n/a
n/a
$3.30
$3.40
$3.50
$3.50
$3.20
$4.00
$7.00
$10.90
$11.90
$11.90
$10.80
$10.80
$5.60
$4.40
$6.70
$5.40
$4.40
$13.30
$4.30
$4.30
$6.80
$6.80
$3.00
$2.90
$11.90
$11.90
$10.80
$10.80
$5.00
$4.10
$6.00
$4.60
$4.10
$12.00
$4.00
$4.00
$6.20
$6.20
$2.80
$2.60
Available as renewal only.
Available as renewal only.
No change.
No change.
No change.
Coverage not available.
Coverage not available.
$10,000 core coverage and
$10,000 add-on coverage.
AGES
Single Adults
Catastrophic Coverage
($4,500 deductible)
Catastrophic Coverage
($10,200 deductible)
Hospital Basic
< 45
45 – 54
55 – 59
60 – 64
65 – 69
70 – 79
80 – 89
90+
$13.40
$14.90
$16.40
$18.00
$24.70
$27.30
$31.70
$38.60
$12.20
$13.50
$14.90
$16.40
$22.50
$24.80
$28.80
$35.10
$13.40
$14.90
$16.40
$18.00
$22.00
$24.70
$28.90
$31.70
Couples – Per Adult
< 45
45 – 54
55 – 59
60 – 64
65 – 69
70 – 79
80 – 89
90+
1-2 Children – Per Child
<5
5 – 20
3+ Children – Per Child
<5
5 – 20
Seniors’ Adjustments
65+
Anniversary year means the 12 consecutive months following the effective date of the Agreement, and each 12-month period thereafter. Benefit year means the 12 consecutive months following the incurred date of the claim. Calendar year means each successive 12-month period commencing January 1 and ending December 31.
All references to “year” refer to anniversary year. When it relates to Hearing Aids and Vision Care benefits, year refers to benefit year. When it relates to Prescription Drug benefits, year refers to calendar year.
Flexcare® Health and Dental Plans are offered through The Manufacturers Life Insurance Company (Manulife).
Plans underwritten by The Manufacturers Life Insurance Company. Manulife, the Block Design, the Four Cubes Design, and Strong Reliable Trustworthy Forward-thinking are trademarks of The Manufacturers Life Insurance Company and are used by it, and
by its affiliates under license. Health Service Navigator® and Preferred Vision Services (PVS) are offered through The Manufacturers Life Insurance Company. ™/®Trademarks held by The Manufacturers Life Insurance Company. ©2015 The Manufacturers Life
Insurance Company. All rights reserved. This is not a contract. Actual terms and conditions are detailed in the policy issued by Manulife upon application approval. It contains important information concerning details, terms, conditions and limitations.
Please read it carefully.
Manulife, P.O. Box 4213, Stn A, Toronto, ON M5W 5M3.
FC-SS-BC-E.04/2015
15.5021