Manulife - FlexCare - ComboPlus Starter

TELUS Health Virtual Care

• 24/7 access to healthcare practitioners online, through the app.

Payments for accidental death or dismemberment directlyresulting from an accident, occurring within one year of the date of theaccident. Additional coverage can be purchased as an Add-On.

• Up to $25,000 for adults
• Up to $10,000 for children and persons aged 65 years or over

Covers trips to hospital in a licensed ambulance in yourhome province/territory of residence. Covers charges up to the amount betweenwhat your government health insurance plan covers and what is reasonable andcustomary.

• Unlimited ground and air transport

Reimbursement (for ongoing maintenance services: fillings, cleanings, scalings, examinations, polishings, and select extractions) per year

• 70% of first $575

Anniversary year maximum for basic dental services

• $400

Recall visits

• 9 months

Oral surgery, periodontics, endodontics (root canal)

• Not covered

Major restorative (orthodontics, crowns, bridges, dentures)– benefits commence in year 2

• Not covered

Coverages are designed to coincide with the currentprovincial Dental Association Fee Guide for General Practitioners.

Covers the costs to purchase and/or repair up to the allowed maximum.

• $400 per 4 benefit years
• Seniors’ Adjustments 65+: $500 maximum per person, per 4consecutive benefit years

Combined with Medical Supplies

Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment Covers the services of registered health professionals including Registered Nurse, Registered Practical Nurse, Licensed Practical Nurse, Personal Support Worker, Occupational Therapist; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment.

Payment will be coordinated where benefits are available through the Assistive Devices Program.

For each of Homecare & Nursing, Prosthetic Appliances and Durable Medical Equipment:

• Year 1: $1,000; Year 2: $1,300;
• Year 3: $1,500; Year 4: $1,700;
• Year 5+: $3,000
• Seniors’ Adjustments 65+: Year 1: $1,100; Year 2: $1,500; Year 3: $1,700; Year 4:$2,000; Year 5+: $3,500

Registered Specialists and Therapists (ParamedicalServices): Chiropractor ($35 chiropractic x-rays per year), Chiropodist,Osteopath, Naturopath, Podiatrist,

Registered Massage Therapist, Acupuncturist, Dietitian (perperson per anniversary year)

• Dollar maximum $25/visit, maximum visits 20/specialist

Registered Psychologist/Psychotherapist/Clinical Counsellor(per person per anniversary year)

• Maximum visits 10, First visit $80, Subsequent visits $65

Registered Speech Pathologist/Therapist (per person peranniversary year)

• Maximum visits 10, First visit $65, Subsequent visits $45
• Seniors’ Adjustments 65+: Maximum Visits 15

Registered Physiotherapist (per person per anniversary year)

• $250 maximum

Generic drugs vs. brand-name drugs

• Generic

Shared Dispensing Fee (subject to applicable co-payment)

• $6.50 maximum
• Seniors’ Adjustments 65+: No maximum

Exclusions – Smoking cessation drugs, over-the-counterdrugs, fertility drugs, birth control drugs, erectile dysfunction drugs and drugs not requiring a prescription

• All

Reimbursement of eligible prescription costs per year

• 70% of first $750
• Seniors’ Adjustments 65+: 100% of first $750

Anniversary year maximums per person

• $525

$5,000,000 emergency health coverage per person for trips lasting a maximum of 9 days. (A $100 deductible applies per claim.)

• Included

Additional coverage for either 8 or 21 days can be purchased as an Add-On.

• 100% reimbursement to a maximum of $150 every 2 years for lenses and frames, contacts or laser eye surgery
• $70 per 2 benefit years for Optometrist visits

This benefit does not include industrial safety glasses.