Manulife Dental Insurance offers several solutions for people in good health as well as for people with symptoms of chronic disease.
Dental problems are common. But most of those concerned are reluctant to go and resolve them, simply because they do not have the means to do so. Having dental insurance is a big plus.
With Manulife Insurance, dental insurance is combined with medical care insurance. This is why we often find the terms dental insurance and medical care Manulife.
By opting for Manulife Dental Insurance, you can benefit from extensive coverage, thanks to the two insurance plans and their many variations.
Manulife is one of the most renowned insurance providers in Quebec. Thanks to good financial stability and quality services, it managed to make a large clientele in the community.
Specialist in dental insurance for 65 years and over, its offer is distinguished above all by the proposal of its Manulife Vitality program. On the one hand, it allows the person to work on improving their health, and thus adopt a healthy lifestyle. And on the other, 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 which will entitle you to rewards. You will be able to save 5% on your premiums for the first year of your dental insurance, and up to 10% on your premiums for subsequent years, with your health and dental insurance plan.
When considering enrolling in Manulife dental insurance, it is essential to understand the significant benefits that such a decision can offer in terms of medical and dental care. 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 most notable advantages of Manulife dental insurance is its versatility. You have the option to choose from different coverage options, meaning you can customize your plan to perfectly match your needs. Whether you require coverage for routine dental care, orthodontic treatments, or even major surgical procedures, Manulife offers coverage options that cater to your specific requirements.
Furthermore, Manulife provides peace of mind by allowing you to cover medical expenses that may not necessarily be covered by the public health insurance plan. This means you can access quality medical care without worrying about the potentially high costs that could otherwise be a major concern.
Manulife dental insurance is also known for its extensive network of dental healthcare professionals. You have the opportunity to select from a wide range of reputable dentists and dental specialists, ensuring that you receive high-quality care wherever you are.
In conclusion, enrolling in Manulife dental insurance offers you peace of mind regarding both medical and dental care. You have the flexibility to customize your plan, access comprehensive medical care, and consult highly qualified dental healthcare professionals. It is an investment in your overall well-being, allowing you to proactively take charge of your dental health without financial worries.
Manulife dental insurance offers two types of coverage: the FlexHealth health and dental plan and the FollowMe health and dental plan. Each plan offers many possibilities:
You will be able to select different options and degrees of coverage, depending on your needs and expectations. If you participate in the Manulife Vitality program, you earn points which will entitle you to rewards. You will be able to save 5% on your premiums for the first year of your dental insurance, and up to 10% on your premiums for subsequent years, with your health and dental insurance plan.
Your coverage takes effect immediately for preventive and basic care, which is a unique advantage in Quebec. As for major dental treatments, the insurer has established a one-year waiting period before this coverage is activated. This means that major dental issues, which are less common, are generally not immediately covered, as it would pose a significant risk to the insurer’s costs and could also jeopardize the existence of dental insurance in Canada. (You can imagine the high number of dental insurance claims for major services and the consequences it would have on insurance plans if they were possible immediately.)
It is essential to note that this insurance offers additional protections which, when combined with dental coverage, become a valuable assistance to policyholders. The waiting period for major treatments was implemented 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 and reliable coverage for your dental care needs.
Your insurance typically takes effect on the 1st of the month following your application for guaranteed acceptance health and dental care plans, or on the 1st of the month following the approval of your application for insurance plans that require a medical questionnaire.
This means that if you apply for a guaranteed acceptance health or dental care 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 15th, your coverage will begin on March 1st.
If you apply for a health or dental care plan that requires a medical questionnaire, the start date of your coverage will depend on the time required to review and approve your application. Once your application is approved, your coverage will typically begin on the first day of the month following the approval. For example, if your application is approved on February 15th, your coverage will begin on March 1st.
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. Therefore, it is recommended to consult the terms and conditions of your insurance contract to determine the exact start date of your coverage.
This confirmation indicates that if you have chosen to pay your insurance premium by credit card or through automatic withdrawals from your bank account (PAD), and the provided account or credit card information is correct, you don’t need to take any further action. The premium will be automatically deducted from your account or credit card each month when 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 total amount no later than the contractual anniversary date, which is the annual date when your contract was issued. This date will be indicated on your premium notice.
Your premium notice will also provide you with instructions on how to proceed with making the payment, whether it’s by credit card, automatic withdrawals, or check. It’s important to adhere to the payment deadlines to avoid any interruption in coverage or penalties for late payment.
If you have recently become insured, don’t worry. Your insurance card is being prepared for delivery to your home. While waiting to receive it, you can still visit your dentist. Simply present your identification number and the contract number you received by mail.
In most cases, this will allow you to benefit from dental insurance coverage. However, if the dentist requires a physical insurance card to cover dental expenses, you will need to pay the dental bill on your own initially. Later on, you can submit a claim to Manulife for reimbursement. You can make this claim online by visiting https://portail.manuvie.ca/servicesecurise/#. Once you have received your insurance card, you can simply use it at the dentist’s office, and no claim submission will be necessary.
Manulife bills the first two months when you subscribe to an insurance policy because their system operates on a prepaid one-month payment basis. Here’s how the process works:
When subscribing to an insurance policy
Manulife bills the first two months at the time of subscribing to an insurance policy due to how their policies are structured for all subscribers. As a result, you are insured, and you pay for the first two months upon subscribing to the policy.
For example, if you subscribe to an insurance policy on January 15th, you will pay premiums for the months of February and March upon subscription, ensuring continuous 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 bills a premium covering the first two months, then begins regular premium deductions on the first day of each subsequent month.
For instance, if your monthly premium is $135.10, the initial billing will include the premiums for the first two months, totaling $270.20, in accordance with Manulife’s policy. Therefore, you pay for the first 2 months. While this may seem confusing, it allows Manulife to manage payments to ensure continuous coverage.
Starting from the second month of your coverage
From the second month of your coverage, Manulife will withdraw funds from your account on the first business day of each month to cover the premiums due for the following month. To illustrate, the withdrawal on January 1st will cover the February premium, the one on February 1st will cover March, and the withdrawal on March 1st will cover April, and so on for the subsequent months throughout the year.
If you have additional questions or concerns, we recommend contacting Manulife directly for specific information about your account and billing. They will be able to provide you with accurate details and address your inquiries.
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 paperwork.
If your healthcare provider did not file the claim for you and you need to file a claim, there are a few things you need to do.
Be sure to do so within the applicable time frame – typically you have 12 months from the date of service to file a claim. See details, here.
For Flexsanté customers
If you are in Canada or the United States, please contact the Manulife Assistance Center at 1-800-805-1008. From any other country, call +1 519 251-7298.
For Take Me Customers
If you are in Canada or the United States, please contact the Manulife Assistance Center at 1-855-857-5919. From any other country, call +1 519 251-1570.
Make a claim for dental and medical expenses, and visitor insurance.
See the FAQ at https://www.active-care.ca/en/faq/