Manulife – a smarter way to insure your family

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Manulife Insurance

Dental insurance with Manulife

Manulife Dental Insurance: Your Access to Quality Dental Care

Manulife Dental Insurance offers several solutions for healthy people as well as people with symptoms of a chronic illness.

Dental problems are common. But most of those affected are reluctant to resolve them, quite simply because they do not have the means to do so. Having dental insurance is therefore a significant asset.

With Manulife Insurance, dental insurance is combined with medical insurance. This is why we often find the terms Manulife dental insurance and medical care.

By opting for Manuviee Dental Insurance, you will be able to benefit from extensive coverage, thanks to the two insurance plans as well as their numerous variations.

Calculate the health and dental insurance premium in seconds.

In this section:

  • Manulife: your local insurer in Quebec
  • What is the advantage of purchasing Manulife dental insurance?
  • What is the scope of dental insurance services at Manulife?
  • When does my coverage take effect?
  • I received my monthly premium notice. What should I do?
  • Recently insured but without an insurance card: What should I do?
  • Manulife charges the first two months when purchasing an insurance policy
  • Manulife Dental Care Claim
  • Travel Insurance Claim
  • How soon will I get the refund?
  • How to change your payment method?
  • How do I change my address?
  • How can I cancel my coverage?
  • Contact Manulife Vitality
  • Request your Apple Watch
  • Contact Manulife Visitor Insurance in Canada

 

Manulife: your local insurer in Quebec

Manulife is one of the most renowned insurance providers in Quebec. Thanks to good financial stability and quality services, he has managed to build up a large clientele in the industry.

A specialist in dental insurance for ages 65 and over, its offering is distinguished above all by the proposition of its Manulife Vitality program. On the one hand, this allows the person to work on improving their health, and thus adopt a healthy lifestyle. And on the other hand, it's also a sure way to save on premiums and earn rewards.

This program is available with all health and dental insurance plans. There is no age limit to benefit from Manulife dental insurance. You will also have access to competitive family rates, as well as a professional network.

If you participate in the Manulife Vitality program, you earn points that will entitle you to rewards. You can save 5% on your premiums for the first year of your dental insurance, and up to 10% on your premiums in subsequent years, with your health and dental insurance plan.

 

What is the advantage of purchasing Manulife dental insurance?

When considering Manulife dental insurance, it is essential to understand the significant medical and dental benefits such a decision can provide. Manulife offers a diverse range of coverage options, designed to meet your individual dental insurance needs, while providing comprehensive coverage tailored to your medical care needs.

One of the biggest benefits of Manulife dental insurance is its versatility. You have the flexibility to choose from different coverage options, which means you can customize your plan to perfectly suit your needs. Whether you need coverage for routine dental care, orthodontic treatment, or even major surgery, Manulife offers coverage options that meet your specific needs.

In addition, Manulife offers you peace of mind by allowing you to cover medical expenses that are not necessarily covered by the public health insurance plan. This means you can access quality medical care without worrying about high costs that might otherwise be a major concern.

Manulife dental insurance is also recognized for its extensive network of dental health professionals. You have the opportunity to choose from a wide selection of reputable dentists and dental specialists, ensuring that you will receive high-quality care no matter where you are.

Ultimately, having Manulife dental insurance gives you peace of mind when it comes to medical and dental care. You have the flexibility to customize your plan, access to comprehensive medical care, and the ability to consult with highly qualified dental professionals. It’s an investment in your overall well-being, allowing you to take charge of your dental health proactively and without financial worry.

 

What is the scope of dental insurance services at Manulife?

Manulife dental insurance offers two coverages: the FlexSanté medical and dental insurance plan and the Take Me medical and dental insurance plan. Each diet offers many possibilities:

  • Dental care (root canal treatment, scaling, dental surgery, etc.).
  • Home Care
  • Medical care
  • Specialist and therapist services
  • Ambulance services
  • Prescription drugs
  • Hearing aids
  • Prostheses

You will be able to select different options and degree of coverage, depending on your needs and expectations. If you participate in the Manulife Vitality program, you earn points that will entitle you to rewards. You can save 5% on your premiums for the first year of your dental insurance, and up to 10% on your premiums in subsequent years, with your health and dental insurance plan.

Your current coverage comes into play immediately for preventative and basic care, which is a unique advantage in Quebec. Regarding major dental care, the insurer has established a one-year waiting period before this coverage is activated. This means that major dental problems, which are less common, are generally not taken care of immediately, as this would represent a major risk to the insurer's costs immediately and could also jeopardize the existence of the dental insurance in Canada. (You can imagine the high number of dental insurance claims for major services and the impact that would have on insurance plans if they were possible immediately.)

It is essential to note that this insurance offers other protections which, combined with dental protection, become a valuable aid for the insured. The waiting period for major care was introduced to manage overall costs while providing a long-term benefit to policyholders.

The benefits of this insurance are long-term benefits, designed to provide you with continuous, reliable coverage for your dental care needs.

 

When does my coverage take effect?

Your insurance generally takes effect on the 1st of the month following your application in the case of guaranteed acceptance medical and dental care plans or the 1st of the month following approval of your application in the case of insurance plans that require a questionnaire medical.

This means that if you enroll in a guaranteed acceptance health or dental plan, your coverage will generally begin on the first day of the month following your application. For example, if you submit your application on February 15, your coverage will begin on March 1.

If you enroll in a health or dental plan that requires a medical questionnaire, your coverage start date will depend on how long it takes to review and approve your application. Once your application has been approved, your coverage will generally begin on the first day of the month following approval. For example, if your application is approved on February 15, your coverage will begin on March 1.

It is important to note that these coverage start dates are generally standard, but may vary depending on the specific policies of the Manulife insurance company. It is therefore recommended to consult the terms and conditions of your insurance contract to find out the exact start date of your cover.

 

I received my monthly premium notice. What should I do?

This confirmation indicates that if you have chosen to pay your insurance premium by credit card or automatic account debit (PAC) and the account or credit card information provided is correct, you do not need to do anything moreover. The premium will be automatically debited from your account or credit card each month it is due, and applied to your insurance coverage.

However, if you have chosen to pay your insurance premium by check, you will need to send a check for the full amount no later than the policy anniversary date, which is the annual date on which your policy was issued. This date will be indicated on your premium notice.

Your premium notice will also provide you with instructions on how to make payment, whether by credit card, direct debit or check. It is important to respect payment deadlines to avoid any interruption of coverage or penalties for late payment.

 

Recently insured but without an insurance card: What should I do?

If you recently became insured, don't worry. Your insurance card is being prepared for delivery to your home. While waiting to receive it, you can always consult your dentist. To do this, simply present your identification number and the contract number that you received by mail.

In most cases, this will qualify you for dental insurance coverage. However, if the dentist requires a physical insurance card to cover dental costs, then you will have to pay the dental bill on your own. You can then submit a claim to Manulife for reimbursement. You can make this claim online by visiting https://portail.manuvie.ca/servicesecurise/#. Once you receive your insurance card, you can simply use it at the dentist, and no claims will be necessary.

 

Manulife charges the first two months when purchasing an insurance policy

Manulife charges the first two months when taking out an insurance policy because their system is based on always paying one month in advance. Here's how the process works:

When purchasing an insurance policy

Manulife charges for the first two months when you purchase an insurance policy due to the way their policies are structured for all policyholders. This way, you are insured and you pay for the first two months as soon as you take out the policy.

  • For example, if you take out an insurance policy on January 15, you will pay the premiums for the months of February and March when you sign up, which ensures you have continued coverage from the start of your contract.

Manulife policies always start on the first day of the month

In practice, Manulife policies always start on the first day of the month, which explains this practice. So, when a policy is accepted, Manulife initially charges a premium covering the first two months, then begins charging the regular premium on the first day of each subsequent month.

  • For example, if your monthly premium is $135,10 per month, the first billing will include the first two months of premium, or $270,20, in accordance with Manulife's policy. So you pay for the first 2 months. While this may seem confusing, it allows Manulife to manage payments in a way that ensures continued coverage.

From the second month of your coverage

From the second month of your coverage, Manulife will make a deduction from your account on the first business day of each month to cover the premiums due for the following month. To illustrate, the levy on January 1st will be used to cover the premium for the month of February, that of February 1st will cover March, and the levy on March XNUMXst will cover the month of April, and so on for the months to come during the year.

If you have additional questions or concerns, we encourage you to contact Manulife directly for specific information regarding your account and billing. They will be able to provide you with precise details and answer your questions.

 

Manulife Dental Care Claim

It is important to understand your policy before filing a claim. Most insurance companies have online tools and forms to help you file your claim without having to fill out and sign documents.

If your health care provider has not submitted the claim for you and you need to file a claim, there are some things you need to do.

  • First, gather your dental bills and any other relevant documents.
  • Next, log in to your Manulife account online and navigate to the Complaints section.
  • From there, you will be able to complete and submit your claim form.

Make sure you do this within the applicable deadline – generally, you have 12 months from the date of service to file a claim. See the details, here.

 

Travel Insurance claim (as part of medical and dental insurance)

For Flexsanté customers
If you are in Canada or the United States, please contact the Manulife Support Center at 1 800 805-1008. From any other country, call +1 (519) 251-7298 collect.

For Take Me Customers
If you are in Canada or the United States, please contact the Manulife Support Center at 1 855 857-5919. From any other country, call +1 (519) 251-1570 collect.

 

How soon will I get the refund?

If your claim is complete and accurate, payment is typically processed within six business days. If any information is missing from the request, we will resend it to you. As a result, assessment and payment are delayed.

 

What can I do if I change my mind after purchasing dental insurance coverage with Manulife.

If you purchased dental insurance coverage with Manulife and have changed your mind, you can contact the insurance company to see what options are available to you.

If you are within 30 days of receiving your contract, you can ask Manulife to cancel your coverage in accordance with the cancellation clause without questions asked. In this case, Manulife will reimburse you in full for the premiums paid.

If you have exceeded the 30 day period, Manulife may have specific policies regarding cancellation or modification of your coverage. For example, they may allow you to change your coverage at any time or cancel your coverage for a fee or penalty. It is important to contact Manulife directly to find out the options specific to your contract.

It is important to note that canceling your dental insurance coverage may result in a loss of coverage for necessary dental treatments. Before making a decision, it is recommended that you speak with your dentist to determine what dental care you may need in the near future and consider whether dental insurance is the best option for you.

 

How to change your payment method?

You can change the payment method in three different ways:

 

How do I change my address?

To change your address with Manulife, you must contact their customer service. You can do this in several ways:

  1. By telephone: You can call the telephone number indicated on your insurance card or on your account statement. You will be connected to a customer service representative who can help you update your address.
  2. By email: You can also send an email to the Manulife customer service address providing your name, policy number and new address.
  3. By Mail: If you prefer to send a letter, you can write to Manulife including your name, policy number and new address.
  4. Online: You can change your address online at any time by completing our change of address form.

It is important to update your address as soon as possible to avoid confusion or interruptions to your coverage. Also be sure to update your address with your employer or any other agency that may need this information.

 

How can I cancel my coverage?

If you wish to cancel your insurance coverage, you must send signed written notice by postal mail. Your coverage will be canceled on the next premium due date upon receipt of your cancellation request.

  • If you decide to cancel your coverage within 30 days of receiving your contract or insurance certificate, by sending a written and signed cancellation request.
  • However, if you wish to reapply for the canceled insurance at a later date, you will need to complete a new application and satisfy all applicable medical requirements for new applicants.

If you are undecided about terminating your coverage, you can contact Manulife for help and advice in making an informed decision.

3 way to cancel your insurance policy:

  1. Send an email to the address inquiries@manulife.com specifying your name and identification number
  2. Online at https://portail.manuvie.ca/servicesecurise#
  3. Call the Customer Service Center at 1-800-268-3763.

It is important to understand the terms of your insurance contract before making a cancellation decision to avoid any confusion or penalties.

 

Contact Manulife Dental Insurance

Telephone 1-800-268-3763 – Offices are open 8 a.m. to 20 p.m. (ET), Monday to Friday

Send an email to inquiries@manulife.com  

MailPO Box 670 STN Waterloo
Waterloo, Ontario
N2J 4B8

 

Contact Manulife Vitality

Phone   1-888-626-8543
1 888 626-8543 (English)
1 888 626-8843 (French)

Email address
manulifevitality@manulife.com (English)
manuvievitalite@manuvie.com (French)

Make a claim for dental expenses, here.

 

Request your Apple Watch

To benefit from the promised Apple Watch, we invite you to open an online account with Manulife from the 1st of next month. You can then select the Apple Watch model of your choice starting at $0. You will find all the information necessary for this process in your insurance contract, which you will receive by mail in the coming days.

 

Contact Manulife Visitor Insurance in Canada

Make a claim for dental and medical expenses, visitor insurance

See FAQ at https://www.active-care.ca/fr/faq/

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