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                                    This is not a contract.  Actual terms and conditions are detailed in the policy issued upon application approval.
   
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                              If you have questions please call us at 1-800-474-4474 , or email us at inquiries@healthquotes.ca
Table of Contents (you can click on any coloured text to go to that section)
  - General Information
       - How FlexCare® plans work
       - Medically Underwritten
       - Effective Date of Coverage
       - Acceptance Period
       - Hospitalization/Pregnancy
       - Maximums
       - Newborns
       - Core Benefits Variations
  - Health Care Plans
       - Snapshot of Plans and Benefits (very useful when comparing the different plans, includes Seniors Adjustments)
       - DrugPlus™ (Prescription Drug Plans with Core Benefits)
            - Basic
            - Enhanced
            - Core Benefits (Basic and Enhanced Plans)
       - DentalPlus™ (Dental Care Plans with Core Benefits) 
            - Basic
            - Enhanced
            - Core Benefits (Basic and Enhanced Plans)
       - ComboPlus™ (Prescription Drug and Dental Care Plans with Core Benefits) 
            - Starter
                - Core Benefits (Starter Plan)
            - Basic
            - Enhanced
                    - Core Benefits (Basic and Enhanced Plans)
  - Stand-Alone and Add-On Benefits
       - 1. Extended Health Care (Basic) - Available  as  Stand-Alone Only
       - 2. Extended Health Care (Enhanced) - Available as  Stand-Alone and Add-On
       - 3. Hospital (Basic) - Available as  Stand-Alone and Add-On
       - 4. Hospital (Enhanced) - Available as  Stand-Alone and Add-On
       - 5. Hospital Cash - Available as  Stand-Alone and Add-On
       - 6. Lifeline® Personal Response Service - Available as  Stand-Alone and Add-On
       - 7. Vision (Enhanced) - Available as an Add-On to Basic or Enhanced Core Plans Only
       - 8. Catastrophic Coverage - Available as  Stand-Alone and Add-On
       - 9. Travel (8 days of additional coverage) - Available as an Add-On to Basic or Enhanced Core Plans Only
       - 10. Travel (21 days of additional coverage) - Available as an Add-On to Basic or Enhanced Core Plans Only
       - 11. Accidental Death and Dismemberment - Available as an Add-On Only
  - Seniors' Adjustments
       - DrugPlus (Basic) 
       - DrugPlus (Enhanced)
       - DentalPlus (Basic/Enhanced), Vision, Hospital
       - Travel
       - Extended Health Care (Basic)
       - Extended Health Care (Enhanced)
       - Accidental Death & Dismemberment (Basic)
       - ComboPlus Starter (Drug Coverage)
       - ComboPlus Basic (Drug Coverage)
       - ComboPlus Enhanced (Drug Coverage)
GENERAL INFORMATION
How Flexcare Plans Work
• You can choose either a Core Plan or you can choose one or more Stand-Alone packages. 
• If you choose a Core Plan then you also have the option of increasing your coverage with one or more
  Add-On packages. 
Medically Underwritten
• If the plan is “medically underwritten,” or “requires a medical questionnaire”, you must disclose any
   medical condition, injury or illness that occurred or existed on or before the date of your application,
   regardless of whether you went to see a doctor about the condition or were given a diagnosis, or
   whether or not you believe that it is important. The premium charged and/or benefits offered could 
   be subject to adjustment or modification of coverage, or declined based on your or your family’s medical
   background. This will be determined after an evaluation of the information provided on the enclosed medical
   questionnaire.
         - Table of Contents -
Effective Date of Coverage
  • Coverage is effective no earlier than the first day of the month following final approval of the application.
Acceptance Period
  • If you and/or your family's medical history is such that a higher premium is required or that special
    conditions be applied to benefits (see Medically Underwritten), you will be notified  in writing prior to your
    decision to accept the coverage.  If at that time you decide not to proceed with the coverage, any initial
    payment will be returned and your application cancelled.
Hospitalization/Pregnancy
  • Full coverage is available for expectant mothers who qualify for a Flexcare Core plan and the additional
    Hospital Coverage benefit within the first 20 weeks of pregnancy (Maternity Hospital stay is limited to
    2 days).  Manulife cannot guarantee the availability of private or semi-private hospital 
    accommodation.
         - Table of Contents -
Maximums
  • Unused portions of benefits cannot be accumulated and added to coverage in future months or years.
    All maximums are per person, and not per family, unless otherwise stated.
Newborns
  • Newborns of parents who are enrolled in the FlexCare plan are automatically added to the same coverage
    if an application is made within 30 days of birth.  If the application is after their 30th day, medical
    information will be required.
Core Benefits Variations
  • Although Core Benefits come with all FlexCare Plans there is a very slight variation in Core Benefits, 
     depending on the type of FlexCare Plan you choose (e.g. DrugPlus Basic, DentalPlus Enhanced, etc.) 
 HEALTH CARE PLANS
Snapshot of Plans and Benefits (you can click on any coloured text for further details)
        
         CORE BENEFITS                                                              CORE PLANS (Note: All plans come with core benefits)          
DentalPlus™
Basic		 DentalPlus™
Enhanced		 DrugPlus™
Basic		 DrugPlus™
Enhanced		 ComboPlus™
Starter		 ComboPlus™
Basic		 ComboPlus™
Enhanced
Vision (Basic), Chiropractor,
Chiropodist, Osteopath, Naturopath, Podiatrist,
Registered Massage Therapist, Acupuncturist, Psychologist,
Speech Pathologist/Therapist, Physiotherapist,
HomeCare and Nursing,
Prosthetic Appliances,
Durable Medical Equipment, Lifeline, Accidental Dental, Ambulance,
Hearing Aid,
Emergency Travel Health Coverage, Accidental Death and Dismemberment, Survivor Benefits
 
Solutions Services

 
Ongoing Maintenance
9 month recall
 
Total Benefits Payable:
Year 1:
50% of first $1,150.
Total payable per anniversary year: $575
  
Year 2+:
80% of first $300, 50% of next $850.
Total payable per aniversary year: $665

DentalPlus Basic and Enhanced have an escalating yearly maximum for Home Support, Durable Medical Supplies and Prosthetic Appliances

No medical questionnaire required
Ongoing Maintenance
6 month recall
 
Total Benefits Payable:
Year 1:
60% of first $1,200.
Total payable per anniversary year: $720 

Year 2+:
90% of first $500, 60% of next $700)
Total payable per anniversary year: $870

Combined maximum of $1,250/3 year period for: Oral Surgery, Endodontics, Periodontics:
Year 1: 0%; Year2: 60%
Year 3+:80%

Major Restorative
First 2 Years: 0%, Subsequent Years: 60%

No medical questionnaire required
Generic Drug Plan
70% first $765, 90% next $3,850 per year

Total benefits payable per year $4,000

 NOTE: for Saskatchewan, 70%
of 1st $1,150 per family per 6 months, 100% on further claims to max. of $4,855/calendar year

Full coverage of customary and reasonable dispensing fees

Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs, and drugs not requiring a prescription
Name Brand Drug Plan
90% first $2,220, 100% next $6,000 per year

Total benefits payable per year $8,000

NOTE: for B.C and Saskatchewan, prescription drug benefits based on calendar year

Name brand or generic drugs, including birth control and fertility drugs

Full coverage of customary and reasonable dispensing fees

Exclusions: smoking cessation drugs, over-the-counter drugs, and drugs not requiring a prescription
DENTAL: 
Ongoing Maintenance
- 9 month recall
- 70% of 1st $575.

PRESCRIPTION DRUGS:
- Generic Drug Plan
- 70% of 1st $720
- Dispensing Fee Cap is $6.50.


Escalating yearly maximum for Home Support, Durable Medical Supplies and Prosthetic Appliances


- Now comes with $100 of Vision Care

No medical questionnaire required
DENTAL:
Ongoing Maintenance
- 9 month recall
- 80% of
first $300, 50% next $850
- Total benefit payable
per year $665

PRESCRIPTION DRUGS:
- Same as DrugPlus™ Basic coverage


DENTAL:
Ongoing Maintenance
- 6 month recall
- 100% of first $500 of examinations, diagnostic services.
- 90% of all other Ongoing Maintenance services.
- 60% of next $700 for all Ongoing Maintenance services.
- Total maintenance benefits payable per year $920.

Oral Surgery, Endodontics, Periodontics
First 2 Years: 60%, to a maximum of $400.
3rd Year: 80%.
Max. payable first year is $400.

Major Restorative
(crowns, bridges and dentures, etc.)
First 2 Years: 0%, Subsequent Years: 60%.
Ongoing max. of $1,250/3 years.

PRESCRIPTION DRUGS:
Same as DrugPlus™ Enhanced coverage


- TOTAL BENEFITS PAYABLE FIRST YEAR IS $1,320 -


 

 Seniors Adjustments              
    (Age 65 and up)

    No travel coverage available

    AD&D decreases to $10,000

    Vision is now included		 Travel coverage not available
  
  
 		 Travel coverage not available
 
 
 

Generic Drug Plan
100% first $750
90% next $3,850/year
of costs not covered by the provincial drug plan
 
Residents of New Brunswick, B.C., Quebec, Manitoba and Saskatchewan:
No seniors adjustment
(All other provinces have adjustment)
 
 Residents of Nova Scotia   
Increases to 100% of first $350.


Travel coverage not available

Name Brand Drug Plan
100% first $750
90% next $7,500/year
of costs not covered by the provincial drug plan
   
Residents of New Brunswick, B.C., Quebec, Manitoba and Saskatchewan:
No seniors adjustment
  (All other provinces have adjustment)    
   
     
   
 

   
Travel coverage not available

Dental: Increases to 70% of first $575.
 
Prescription Drugs: Increases to 100% of first $720.
 
  
   
Residents of Nova Scotia
- Drugs increased to 100% of first $270.
- Dental increases to 70% of first $575.
 
  Residents of PEI   
100% of first $430
  
Travel coverage not available
 
 
 

Generic Drug Plan
- 100% first $750
-90% next $3,850/year
of costs not covered by the provincial drug plan

Residents of New Brunswick, B.C., Quebec, Manitoba and Saskatchewan:
No seniors adjustment
(All other provinces have adjustment)
      
   Residents of Nova Scotia
- 100% of first $350

 

Travel coverage not available

Name Brand Drug Plan
100% first $750
90% next $7,500/year
of costs not covered by the provincial drug plan
  
 Residents of New Brunswick, B.C., Quebec, Manitoba and Saskatchewan:
No seniors adjustment
(All other provinces have adjustment)
  
 
 
 


Travel coverage not available
 NOTE: Unless otherwise mentioned benefits are based on anniversary year except for Vision and Hearing Aid benefits, which are based on Benefit year.
         - Table of Contents -
DrugPlus (Drug and Core Benefits)
(You can choose either the Basic or Enhanced Plan, both come with Core Benefits)
    Basic Plan (DrugPlus)
    • Medical questionnaire required
    • Generic drug plan (name brand allowed, but price paid will be deemed to be the generic equivalent).
    • Full coverage of reasonable and customary dispensing fees
    • Coverage Table*:      
   Percentage
Paid 
On your first $765 of eligible
prescription costs		 70%
On your next $3,850 of eligible
prescription costs		 90%
    • Total benefits payable per anniversary year*: $4,000
    * Nova Scotia: 100% of first $350.
    • Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs,
                      and drugs not requiring a prescription.
    • Core Benefits are listed beneath the Enhanced Plan details.
         - Table of Contents -
    Enhanced Plan (DrugPlus)
    • Medical questionnaire required
    • Name brand or generic drugs, including birth control and fertility drugs.
    • Full coverage of reasonable and customary dispensing fees
    • Coverage Table*:      
   Percentage
Paid 
On your first $2,220 of eligible
prescription costs		 90%
On your next $6,000 of eligible
prescription costs		 100%
    • Total benefits payable per anniversary year*: $8,000
    * British Columbia and Saskatchewan: Prescription drug benefits based on calendar year.
    • Exclusions: smoking cessation drugs, over-the-counter drugs, and drugs not requiring a prescription.
         - Table of Contents -
    Core Benefits (included with DrugPlus Basic and Enhanced Plans)
        Vision (Basic)
        • $100 maximum per 2 consecutive benefit years to cover the cost towards prescription lenses,
          frames, contact lenses and laser eye surgery. 
        • $30 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government
          Health Insurance Plan maximum has been reached, if applicable)
           • Eyeglasses are covered against breakage and scratches by a repair guarantee for a period of 2
          benefit years.  This warranty applies to lenses and frames purchased with the Vision benefit of
          FlexCare.
        • No deductible is charged to you if your eyeglasses can be repaired.  If beyond repair, your glasses
          will be replaced and; a $50 deductible charged for eyeglasses originally purchased for up to $250;
          or a $75 deductible, if the original purchase price was $251 to $300; or a $100 deductible, if your 
          eyeglasses originally cost $301 or more. 
         - Table of Contents -
        Extended Health Care (Basic)
       • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an
         evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
         recommend appropriate treatment options. This fast, yet indepth review can reduce potentially
         serious complications from a misdiagnosis and help your local physician determine the proper course
         of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning,
         identification of the most appropriate care provider, and care management.
        • $250,000 lifetime maximum.
        • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist:
           - $20 max. per visit, 20 visit maximum per discipline per anniversary year (payable only after Government
             Health Insurance Plan maximums have been reached, if applicable).
        • Chiropractic X-ray - $35 maximum per anniversary year.
        • Psychologist - $80 max. first visit, $65 max. subsequent visits, 10 visit max. per anniversary year.
        • Physiotherapist - $250 max. per anniversary year.
        • HomeCare and Nursing, Prosthetic Appliances, Durable Medical Equipment:
          - $3,000 max. per anniversary year for each of these 3 categories of benefits
          - NOTE: $225 max. per anniversary year for Orthotics, which is part of Durable Medical Equipment.
        • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 10 visit maximum
                                                     per anniversary year.
        • Lifeline® Personal Response Service - lifetime max. of 3 months of service, not including installation fee.
                                                          - A simple press of a button, worn in the home, alerts our 24-hour
                                                             monitoring service that help is needed.  
        • Accidental Dental - $2,000 maximum per anniversary year.
        • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                            transportation per anniversary year (only payable after Government Health Insurance
                            Plan maximums have been reached, if applicable).
        • Hearing Aid - $400 maximum per 4 consecutive benefit years.
         - Table of Contents -
        Travel
        • $5 million emergency health coverage for trips lasting a maximum of 9 days.  Additional coverage
          for either 8 or 21 days can be purchased as an Add-On.  
        • NOTE: A 9-month pre-existing condition clause applies to Travel.  Not available to persons age 65
                              and over; 8 or 21 day Add-On Travel coverage not available with ComboPlus Starter Plan.
        Accidental Death & Dismemberment
        • $25,000 for adults under the age of 65; $10,000 for children and adults age 65 and over. Additional
           coverage can be purchased as add-on.
        • All FlexCare plan members receive a newsletter packed with information on everything from family
          fitness to treating colds and flu, to dealing with common problems such as allergies, asthma and
          back problems.
         - Table of Contents -
        • Only available with DrugPlus Enhanced Core Plan
        • Toll-free telephone access to a Registered Nurse on a wide range of health matters, including:
             - Whether an illness or injury can be safely treated at home, or requires a visit to a doctor or
                emergency room.
             - Possible prescription drug side effects.
             - Symptoms and treatments of medical conditions, and more.
        Survivor Benefits
        • Provides survivor benefits for continuous coverage for 1 year, following the death of subscriber or
          co-subscriber.
         - Table of Contents -
DentalPlus (Dental and Core Benefits)
(You can choose either the Basic or Enhanced Plan, both come with Core Benefits)
IMPORTANT - Dental coverage commences at age 17 for residents of Prince Edward Island, age 13 for
                           residents of Newfoundland and age 11 for residents of Nova Scotia.
                        - Coverage is designed to concur with your current provincial Dental Association Fee Guide
                           for General Practitioners.  The FlexCare DentalPlus coverage will be adjusted to match any
                           increases in the fee guide
    Basic Plan (DentalPlus)
    • No medical questionnaire required, guaranteed acceptance.
    • Coverage for fillings, cleanings, scalings, examinations, polishings, and certain extractions. 
    • Recall visits every 9 months.
    Coverage Table:
Year   Copay  To a maximum of
(per anniversary year)
One First $1,150: 50% $575
Subsequent years First $300: 80%
Next $850: 50%  		 $665
   • Core Benefits are listed beneath the Enhanced Plan details.
         - Table of Contents -
    Enhanced Plan (DentalPlus)
    • No medical questionnaire required, guaranteed acceptance.
    • Coverage for fillings, cleanings, scalings, examinations, polishing, and most extractions. 
    • Recall visits every 6 months.
    Coverage Table:
Year  Copay  To a maximum of
(per anniversary year)
One First $1,200: 60% $720
Two and after First $500: 90%
Next $700: 60%		 $870
   • The following 6 dental services (Enhanced plan only) have a combined maximum of $1,250 per
      3 year period.  For oral surgery, periodontics and endodontics (root canal), benefits are available
      beginning Year 2; for orthodontics, crowns, bridges and dentures. No benefit is available until
      Year 3.  The payment percentage increase from the effective date of contract is as follows:
   Anniversary
Year 1 		 Anniversary
Year 2		 Anniversary
Year 3 and beyond
Oral Surgery 0% 60% 80%
Periodontics 0% 60% 80%
Endodontics
(Root Canal)		 0% 60% 80%
Orthodontics 0% 0% 60%
Crowns, Bridges 0% 0% 60%
Dentures 0% 0% 60%
         - Table of Contents -
    Core Benefits (Included with DentalPlus Basic and Enhanced Plans)
    Vision (Basic)
    • $100 maximum per 2 consecutive benefit years to cover the cost towards prescription lenses,
       frames, contact lenses and laser eye surgery. 
    • $30 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government
       Health Insurance Plan maximum has been reached, if applicable)
     • Eyeglasses are covered against breakage and scratches by a repair guarantee for a period of 2
       benefit years.  This warranty applies to lenses and frames purchased with the Vision benefit of
       FlexCare.
    • No deductible is charged to you if your eyeglasses can be repaired.  If beyond repair, your glasses
       will be replaced and; a $50 deductible charged for eyeglasses originally purchased for up to $250;
       or a $75 deductible, if the original purchase price was $251 to $300; or a $100 deductible, if your 
       eyeglasses originally cost $301 or more. 
         - Table of Contents -
    Extended Health Care (Basic)
    • $250,000 lifetime maximum.
    • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an
      evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
      recommend appropriate treatment options. This fast, yet indepth review can reduce potentially
      serious complications from a misdiagnosis and help your local physician determine the proper course
      of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning,
      identification of the most appropriate care provider, and care management.
    • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist:
       - $20 max. per visit, 20 visit maximum per discipline per anniversary year (payable only after Government
         Health Insurance Plan maximums have been reached, if applicable).
    • Chiropractic X-ray - $35 maximum per anniversary year.
    • Psychologist - $80 max. first visit, $65 max. subsequent visits, 10 visit max. per anniversary year.
    • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 10 visit maximum
                                                 per anniversary year.
    • Physiotherapist - $250 max. per anniversary year.
    • HomeCare and Nursing, Prosthetic Appliances, Durable Medical Equipment:
      - maximum per anniversary year for each of these 3 categories of benefits separately, is according to
        the following table:        
Year 1 Year 2 Year 3 Year 4 Year 5
$1,000 $1,300 $1,500 $1,700 $3,000

NOTE: $225 max. per anniversary year for custom Orthotics, which is part of Durable Medical Equipment.
    • Lifeline® Personal Response Service - lifetime max. of 3 months of service, not including installation fee.
                                                      - A simple press of a button, worn in the home, alerts our 24-hour
                                                        monitoring service that help is needed.  
    • Accidental Dental - $2,000 maximum per anniversary year.
    • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                        transportation per anniversary year (only payable after Government Health Insurance
                        Plan maximums have been reached, if applicable).
    • Hearing Aid - $400 maximum per 4 consecutive benefit years.
         - Table of Contents -
    Travel
    • $5 million emergency health coverage for trips lasting a maximum of 9 days.  Additional coverage
       for either 8 or 21 days can be purchased as an Add-On.  
    • NOTE: A 9-month pre-existing condition clause applies to Travel.  Not available to persons age 65
                       and over; 8 or 21 day Add-On Travel coverage not available with ComboPlus Starter Plan.
    Accidental Death & Dismemberment
    • $25,000 for adults under the age of 65; $10,000 for children and adults age 65 and over. Additional
       coverage can be purchased as an add-on.
         - Table of Contents -
    Survivor Benefits
    • Provides survivor benefits for continuous coverage for 1 year, following the death of subscriber or
       co-subscriber.
    • Available 1 year after policy effective date.
         - Table of Contents -
ComboPlus™ (Prescription Drug, Dental and Core Coverage)
    • You can choose either the Starter, Basic or Enhanced Plan, all come with Core Benefits.  Note that
       Core Benefits for the Starter Plan are different than the Core Benefits that come with both the 
       Basic and Enhanced Plan (Core is the same for both Basic and Enhanced).
    • For drug and dental coverage with Core Benefits, without a medical questionnaire, choose the 
       Starter Plan.
    • For more extensive drug and dental coverage with Core Benefits, select either the Basic or 
       Enhanced Plan.
    Starter Plan (ComboPlus™)
    (No medical questionnaire - guaranteed acceptance)
        Starter Drug Coverage
        • Generic drug plan (name brand drugs allowed, but price paid will be deemed to be the generic
           equivalent price).
        • Shared dispensing fee to a maximum of $6.50.
        • 70% on the first $720.
        • Exclusions - smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs,
                           and drugs not requiring a prescription.
        • British Columbia and Saskatchewan residents: Prescription drug benefit maximums based on
                                                                               calendar year.
        Starter Dental Coverage
          • Dental coverage with a 70% payment for fillings, cleanings, scalings, examinations and polishing
           on the first $575 of these services.
        • Recall visits every 9 months.
        IMPORTANT - Dental coverage commences at age 17 for residents of Prince Edward Island, age 13 for
                                        residents of Newfoundland and age 11 for residents of Nova Scotia.
         - Table of Contents -
        Starter Core Benefits
        Extended Health Benefits (Starter)
        • $250,000 lifetime maximum.
       • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an
         evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
         recommend appropriate treatment options. This fast, yet indepth review can reduce potentially
         serious complications from a misdiagnosis and help your local physician determine the proper course
         of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning,
         identification of the most appropriate care provider, and care management.
        • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist:
           - $20 max. per visit, 20 visit maximum per discipline per anniversary year (payable only after Government
             Health Insurance Plan maximums have been reached, if applicable).
        • Chiropractic X-ray - $35 maximum per anniversary year.
        • Psychologist - $80 max. first visit, $65 max. subsequent visits, 10 visit max. per anniversary year.
        • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 10 visit maximum
                                                     per anniversary year.
        • Physiotherapist - $250 max. per anniversary year.
        • HomeCare and Nursing, Prosthetic Appliances, Durable Medical Equipment:
          - maximum per anniversary year for each of these 3 categories of benefits separately, is according to
            the following table:        
Year 1 Year 2 Year 3 Year 4 Year 5
$1,000 $1,300 $1,500 $1,700 $3,000
            NOTE: $225 max. per anniversary year for Orthotics, which is part of Durable Medical Equipment.
        • Lifeline® Personal Response Service - lifetime max. of 3 months of service, not including installation fee.
                                                          - A simple press of a button, worn in the home, alerts our 24-hour
                                                            monitoring service that help is needed.  
        • Accidental Dental - $2,000 maximum per anniversary year.
        • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                            transportation per anniversary year (only payable after Government Health Insurance
                            Plan maximums have been reached, if applicable).
        • Hearing Aid - $400 maximum per 4 consecutive benefit years.
         - Table of Contents -
        Travel
        • $5 million emergency health coverage for trips lasting a maximum of 9 days.
        • NOTE: A 9-month pre-existing condition clause applies to Travel.  Not available to persons age 65
                             and over; 8 or 21 day Add-On Travel coverage not available with this ComboPlus Starter Plan.
        Accidental Death & Dismemberment
        • $25,000 for adults under the age of 65; $10,000 for children and adults age 65 and over. Additional
           coverage can be purchased as an Add-On.
         - Table of Contents -
        Survivor Benefits
        • Provides survivor benefits for continuous coverage for 1 year, following the death of subscriber or
           co-subscriber.
        • Available 1 year after policy effective date.
    Basic Plan (ComboPlus™)
        Basic Drug Coverage
         • Medical questionnaire required.
         • Generic drug plan (name brand allowed but price paid will be deemed the generic equivalent price).
         • Full coverage of reasonable and customary dispensing fees.

        • Coverage Table*:       

   Percentage
Paid 
On your first $765 of eligible
prescription costs		 70%
On your next $3,850 of eligible
prescription costs		 90%
         • Total benefits payable per anniversary year is $4,000*
         * Nova Scotia: 100% of first $350.                       
         • Exclusions: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control drugs
                           and drugs not requiring a prescription.
         - Table of Contents -
         Basic Dental Coverage    
          • Dental coverage is for fillings, cleanings, scalings, examinations, polishing and certain extractions.
          • Ongoing Maintenance: 80% of first $300, 50% next $850. Total benefit payable per year $665.
        • Recall visits every 9 months.
        IMPORTANT - Dental coverage commences at age 17 for residents of Prince Edward Island, age 13 for
                                        residents of Newfoundland and age 11 for residents of Nova Scotia.
       • Core Benefits are listed beneath the Enhanced Plan details.
         - Table of Contents -
    Enhanced Plan (ComboPlus™)
        Enhanced Drug Coverage
        • Medical questionnaire required
        • Name brand or generic drugs, including birth control and fertility drugs.
        • Full coverage of reasonable and customary dispensing fees.
        • Coverage Table*:      
   Percentage
Paid 
On your first $2,220 of eligible prescription costs 90%
On your next $6,000 of eligible
prescription costs		 100%
        • Total benefits payable per anniversary year*: $8,000
        * British Columbia and Saskatchewan: Prescription drug benefits based on calendar year.
        • Exclusions: smoking cessation drugs, over-the-counter drugs, and drugs not requiring a prescription.
         - Table of Contents -
        Enhanced Dental Coverage
        • Coverage for fillings, cleanings, scalings, examinations, polishing and most extractions. 
        • Recall visits every 6 months.
        Coverage: see snapshot above (coloured table).
        • Total benefits payable per anniversary year: $920
        • * NOTE: 100% for examinations, scaling and diagnostic services only.  For all other Ongoing Maintenance Services,
                        percentage paid is 90%.
       • The following 6 dental services have a combined, first anniversary year maximum of $400, and a
          combined, 3 consecutive years max. of $1,250.  For orthodontics, crowns, bridges and dentures,
          no benefit is available until year 3.  The payment percentage increase from the effective date
          of the contract is as follows:
   Anniversary
Year 1 		 Anniversary
Year 2		 Anniversary
Year 3
Oral Surgery 60% 60% 80%
Periodontics 60% 60% 80%
Endodontics
(Root Canal)		 60% 60% 80%
Orthodontics 0% 0% 60%
Crowns, Bridges 0% 0% 60%
Dentures 0% 0% 60%
 
        IMPORTANT - Dental coverage commences at age 17 for residents of Prince Edward Island, age 13 for
                                   residents of Newfoundland and age 11 for residents of Nova Scotia.
                                - Coverage is designed to concur with your current provincial Dental Association Fee Guide
                                   for General Practitioners.  The FlexCare DentalPlus coverage will be adjusted to match any
                                   increases in the fee guide.
         - Table of Contents -
    Core Benefits (included with ComboPlus Basic and Enhanced Plans)
        Vision (Basic, also comes with Starter Plan)
        • $100 maximum per 2 consecutive benefit years to cover the cost towards prescription lenses,
          frames, contact lenses and laser eye surgery. 
        • $30 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government
          Health Insurance Plan maximum has been reached, if applicable)
          • Eyeglasses are covered against breakage and scratches by a repair guarantee for a period of 2
          benefit years.  This warranty applies to lenses and frames purchased with the Vision benefit of
          FlexCare.
        • No deductible is charged to you if your eyeglasses can be repaired.  If beyond repair, your glasses
          will be replaced and; a $50 deductible charged for eyeglasses originally purchased for up to $250;
          or a $75 deductible, if the original purchase price was $251 to $300; or a $100 deductible, if your 
          eyeglasses originally cost $301 or more. 
         - Table of Contents -
        Extended Health Care (Basic)
        • $250,000 lifetime maximum.
       • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an
         evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
         recommend appropriate treatment options. This fast, yet indepth review can reduce potentially
         serious complications from a misdiagnosis and help your local physician determine the proper course
         of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning,
         identification of the most appropriate care provider, and care management.
        • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist:
           - $20 max. per visit, 20 visit maximum per discipline per anniversary year (payable only after Government
             Health Insurance Plan maximums have been reached, if applicable).
        • Chiropractic X-ray - $35 maximum per anniversary year.
        • Psychologist - $80 max. first visit, $65 max. subsequent visits, 10 visit max. per anniversary year.
        • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 10 visit maximum
                                                     per anniversary year.
        • Physiotherapist - $250 max. per anniversary year.
        • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment:
          - $3,000 max. per anniversary year for each of these 3 categories of benefits
          - NOTE: $225 max. per anniversary year for Orthotics, which is part of Durable Medical Equipment.
        • Lifeline® Personal Response Service - lifetime max. of 3 months of service, not including installation fee.
                                                           - A simple press of a button, worn in the home, alerts our 24-hour
                                                              monitoring service that help is needed.  
        • Accidental Dental - $2,000 maximum per anniversary year.
        • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                            transportation per anniversary year (only payable after Government Health Insurance
                            Plan maximums have been reached, if applicable).
        • Hearing Aid - $400 maximum per 4 consecutive benefit years.
         - Table of Contents -
        Travel
        • $5 million emergency health coverage for trips lasting a maximum of 9 days.  Additional coverage
          for either 8 or 21 days can be purchased as an Add-On.
        • NOTE: A 9-month pre-existing condition clause applies to Travel.  Not available to persons age 65
                              and over; 8 or 21 day Add-On Travel coverage not available with ComboPlus Starter Plan. 
        Accidental Death & Dismemberment
        • $25,000 for adults under the age of 65; $10,000 for children and adults age 65 and over. Additional
            coverage can be purchased as an Add-On.
          - Table of Contents -
        Survivor Benefits
        • Provides survivor benefits for continuous coverage for 1 year, following the death of subscriber or
          co-subscriber.
         - Table of Contents -
STAND-ALONE AND ADD-ON BENEFITS
    • Stand-Alones are available without a Core Plan, and are used to create your own "one of a kind" plan.
    • Add-Ons are only available with a Core Plan, and allow you to customize and augment your FlexCare
      DentalPlus, DrugPlus or ComboPlus plan.
    1. Extended Health Care (Basic)
    • Available as a Stand-Alone only.
    • Medical questionnaire required
    • $250,000 lifetime maximum (applies to all Extended Health Care Benefits).
    • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an 
      evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
      recommend appropriate treatment options. This fast, yet indepth review can reduce potentially 
      serious complications from a misdiagnosis and help your local physician determine the proper course 
      of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning, 
      identification of the most appropriate care provider, and care management.
    • Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist:
       - $20 max. per visit, 20 visit maximum per discipline per anniversary year (payable only after Government
         Health Insurance Plan maximums have been reached, if applicable).
    • Chiropractic X-ray - $35 maximum per anniversary year.
    • Psychologist - $80 max. first visit, $65 max. subsequent visits, 10 visit max. per anniversary year.
    • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 10 visit maximum
                                                 per anniversary year.
    • Physiotherapist - $250 max. per anniversary year.
    • Homecare and Nursing - $3,000 maximum per anniversary year.
    • Prosthetic Appliances - $3,000 maximum per anniversary year.
    • Durable Medical Equipment - $3,000 maximum per anniversary year.
                                           - $225 max. per anniversary year for Orthotics, which is part of Durable
                                              Medical Equipment.
    • Lifeline® Personal Response Service - lifetime max. of 3 months of service, not including installation fee.
                                                      - A simple press of a button, worn in the home, alerts our 24-hour
                                                        monitoring service that help is needed.  
    • Accidental Dental - $2,000 maximum per anniversary year.
    • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                        transportation per anniversary year (only payable after Government Health Insurance
                        Plan maximums have been reached, if applicable).
    • Hearing Aid - $400 maximum per 4 consecutive benefit years.
         - Table of Contents -
    2. Extended Health Care (Enhanced)
    • Available as a Stand-Alone or Add-On.
    • Medical questionnaire required.
    • $350,000 lifetime maximum (applies to all Extended Health Care Benefits).
    • Best Doctors® Solutions Services – upon diagnosis of a serious illness or injury, you can receive an 
      evaluation of your medical records by world-class specialists who confirm the initial diagnosis and 
      recommend appropriate treatment options. This fast, yet indepth review can reduce potentially 
      serious complications from a misdiagnosis and help your local physician determine the proper course 
      of action. In addition to medical advice, Best Doctors® provides the following services: treatment planning, 
      identification of the most appropriate care provider, and care management.
    • Acupuncturist, Chiropractor, Osteopath, Naturopath, Chiropodist, Podiatrist,
      Registered Massage Therapist, Physiotherapist:
      - combined maximum of $750 per anniversary year for all 8 of these paramedical specialists, including
        chiropractic x-rays (payable only after Government Health Insurance Plan maximums have been reached,
        if applicable).
    • Psychologist - $80 max. first visit, $65 max. subsequent visits, 12 visit max. per anniversary year.
    • Speech Pathologist/Therapist - $65 max. first visit, $45 max. subsequent visits, 12 visit maximum
                                                 per anniversary year.
    • Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment:
      - Combined maximum of $8,500 per anniversary year.
      - NOTE: $225 max. per anniversary year for Orthotics, which is part of Durable Medical Equipment.
    • Lifeline® Personal Response Service - max. of 3 months of service per 3 anniversary years,
                                                         not including the installation fee.
                                                       - A simple press of a button, worn in the home, alerts our 24-hour
                                                         monitoring service that help is needed.  
    • Accidental Dental - $3,000 maximum per anniversary year.
    • Ambulance - unlimited ground transportation to hospital and $4,000 maximum for air ambulance
                        transportation per anniversary year (only payable after Government Health Insurance
                        Plan maximums have been reached, if applicable).
    • Hearing Aid - $600 maximum per 5 consecutive benefit years.
         - Table of Contents -
    3. Hospital (Basic)
    • Available as a Stand-Alone or Add-On.
    • Medical questionnaire required.
    • Semi-private room coverage.
    • 100% during the first 30 days, 50% of the next 100 days (per anniversary year).
    • The reasonable and customary provincial room rates will be paid up to a maximum of $150/day.
    • Cash Benefit - $15 per day for Alberta residents and $25 per day for all other provinces, beginning on
                          the 4th day of hospitalization, for a maximum of 30 days, if a semi-private room is not
                          obtained.
    • For pregnant applicants please click here to see an Important Notice.
         - Table of Contents -
    4. Hospital (Enhanced)
    • Available as a Stand-Alone or Add-On.
    • Medical questionnaire required.
    • Semi-private or private room coverage.
    • 100% coverage per anniversary year.
    • The reasonable and customary provincial room rates will be paid up to a maximum of $200/day.
    • Cash Benefit - $20 per day for Alberta residents and $50 per day for all other provinces, beginning on
                          the 4th day of hospitalization, for a maximum of 60 days, if a semi-private or private
                          room is not obtained.
    • Enhanced coverage describes the total benefits provided in conjunction with the corresponding
      Basic coverage benefits
    • For pregnant applicants please click here to see an Important Notice.
         - Table of Contents -
    5. Hospital Cash
    • Available as a Stand-Alone or Add-On.
    • Medical questionnaire required.
    • This benefit provides you with cash to cover personal expenses incurred while hospitalized.
    • $50 per day, beginning on the 4th day of hospitalization, regardless of the type of room.
    • $5,000 maximum per anniversary year.
    • Excludes hospital out-patients.
         - Table of Contents -
    6. Lifeline® Personal Response Service
    • Available as a Stand-Alone or Add-On.
    • This is a program that is designed to get help to those who need it.  For people coping with medical
       problems at home and who want to live more independent lives, Lifeline may be the solution.  A 
       simple press of a button, worn in the home, alerts our 24-hour monitoring service that help is needed.
       The monthly cost includes the unit and the monitoring service.  Installation fee is not included.
    7. Vision (Enhanced)
    • Total $500 maximum per 3 consecutive benefit years to cover the costs, towards prescription lenses,
       frames, and contact lenses, including $100 towards laser eye surgery.
    • $30 maximum for Optometrist fees per 2 consecutive benefit years (payable only after Government
       Health Insurance Plan maximum has been reached, if applicable)
     • Eyeglasses are covered against breakage and scratches by a repair guarantee for a period of 3
       benefit years.  This warranty applies to lenses and frames purchased under the Vision benefit
       of your FlexCare contract.
    • No deductible is charged to you if your eyeglasses can be repaired.  If beyond repair, your glasses
       will be replaced and; a $50 deductible charged for eyeglasses originally purchased for up to $250;
       or a $75 deductible, if the original purchase price was $251 to $300; or a $100 deductible, if your 
       eyeglasses originally cost $301 or more. 
    • Enhanced coverage describes the total benefits provided in conjunction with the corresponding
      Basic coverage benefits
         - Table of Contents -
    8. Catastrophic Coverage
    • Available as a Stand-Alone or Add-On.
    • Medical questionnaire required.
    • Catastrophic coverage is ideal for people who currently have group or individual health coverage but
      are looking for protection from an unforeseen, serious accident or medical emergency.  People 
      without health coverage will also find Catastrophic coverage an excellent way to protect themselves
      from large, unplanned medical expenses.
    • This coverage provides the following benefits:
        - Unlimited 100% coverage for generic and name brand prescription drugs when annual claims exceed
          $4,500 per anniversary year.
        - Additional $25,000 in coverage for Homecare and Nursing, Durable Medical Equipment (wheelchairs,
           etc.) and Prosthetic Appliances when annual claims exceed $7,500 per anniversary year. 
           Lifetime maximum of $100,000.
        - In the event of an accident that requires a hospital stay of at least 24 hours, Catastrophic coverage
          provides unlimited Chiropractor and Physiotherapist coverage for one year following the accident.
    • All benefits are paid at the reasonable and customary level, and are coordinated with any other health
      plan coverage you may have.
         - Table of Contents -
    9. Travel (8 days of additional coverage)
    • Available as an Add-On to Basic or Enhanced Core Plans Only (not available for Starter Plan).
    • 8 days of additional coverage, added to the 9 day coverage available through the Core Plan.
    • Trips of up to 17 days are covered, up to $5,000,000 per covered person per trip.
        • NOTE: A 9-month pre-existing condition clause applies to Travel.  Trips over the selected number
                               of days, i.e. 9, 17, or 30 days are not covered; to purchase separate coverage, please call 
                               us at 1-800-474-4474.  Travel coverage not available to persons age 65 and over; 8 or 21 day
                               Add-On Travel coverage not available with ComboPlus Starter Plan.
    10. Travel (21 days of additional coverage)
    • Available as an Add-On to Basic or Enhanced Core Plans Only (not available for Starter Plan).
    • 21 days of additional coverage, added to the 9 day coverage available through the Core Plan.
    • Trips of up to 30 days are covered, for any number of trips, up to $5,000,000 per covered
       person per trip.
        • NOTE: A 9-month pre-existing condition clause applies to Travel.  Trips over the selected number
                       of days, i.e. 9, 17, or 30 days are not covered; to purchase separate coverage, please call 
                       us at 1-800-474-4474.
         - Table of Contents -
    11. Accidental Death & Dismemberment (Enhanced)
    • Available as an Add-On Only.
    • The total for both Core and Add-On coverage is equal to $50,000 for adults under 65, and is equal
       to $20,000 for children under age 21 and adults age 65 or over.
    • Enhanced coverage describes the total benefits provided in conjunction with the corresponding
      Basic coverage benefits.
SENIORS' ADJUSTMENTS
    • If you are 65 years of age or over, you are likely to have special health priorities.  That is why the 
      Flexcare health plan coverage is adjusted to reflect your needs
    • Under the Seniors' Adjustments, all of your benefits are as outlined in your chosen Core plan with
      the following changes:
        DrugPlus (Basic)
            • Covers 100% of the first $750, 90% of the next $3,850 per anniversary year, not covered by
              a government health insurance drug plan*.
              • NOTE: Prescription Drug Seniors' Adjustments do not apply to the provinces of New
              Brunswick, B.C., Quebec, Manitoba and Saskatchewan.
              * Residents of Nova Scotia: 100% generic drugs on first $350.
              - Table of Contents -
        DrugPlus (Enhanced)
            • Covers 100% of the first $750, 90% of the next $7,500, per anniversary year of costs not
               covered by a Government health insurance drug plan
               • NOTE: Prescription Drug Seniors' Adjustments do not apply to the provinces of New
               Brunswick, B.C., Quebec, Manitoba and Saskatchewan.
        DentalPlus (Basic/Enhanced), Vision, Hospital
            • There is no change to these Core plan benefits from what has been previously described.
               - Table of Contents -
        Travel
            • Travel coverage not available.
        Extended Health Care (Basic)
            •  Speech Pathologist/Therapist visits increase from 10 to 15 visits per anniversary year.
            •  Lifeline benefit increases to a lifetime maximum of 6 months, not including the installation fee.
            • Homecare and Nursing, Durable Medical Equipment and Prosthetic Appliances maximum increase
               per anniversary year to:
  Year 1 Year 2 Year 3 Year 4  Year 5+
DrugPlus $3,500 $3,500 $3,500 $3,500 $3,500
DentalPlus $1,100 $1,500 $1,700 $2,000 $3,500
ComboPlus
Starter		 $1,100 $1,500 $1,700 $2,000 $3,500
ComboPlus
Basic/Enhanced		 $3,500 $3,500 $3,500 $3,500 $3,500
            • Hearing Aid maximum increases to $500 per 4 consecutive benefit years.
            • Lifetime maximum increased to $110,000.
               - Table of Contents -
        Extended Health Care (Enhanced)
            •  Speech Pathologist/Therapist visits increase from 12 to 20 visits per anniversary year.
            •  Lifeline benefit increases from 3 to 6 months of service per 3 anniversary years, not
                including installation fee.
            • Homecare and Nursing, Prosthetic Appliances, and Durable Medical Equipment combined
               maximums increase to $9,500 per year. 
            • The Hearing Aid maximum increases to $700 per 5 consecutive benefit years.
               - Table of Contents -
        Accidental Death and Dismemberment (Basic)
            • Decreases to $10,000.
        Accidental Death and Dismemberment (Enhanced)
            • The total for both core and Add-On coverage decreases to $20,000.
        ComboPlus Starter (Drug Coverage)
            • 100% on the first $720 of eligible prescription costs.
            • Full coverage of reasonable and customary dispensing fees.
            • Residents of Nova Scotia: 100% generic drugs on first $270.
            • Residents of British Columbia and Saskatchewan: Prescription drug benefits based on
                                                                                       calendar year.
            • IMPORTANT: For residents of New Brunswick, Manitoba and Saskatchewan prescription
                                 drug Seniors' adjustments do not apply.
               - Table of Contents -
        ComboPlus Basic (Drug Coverage)
            • 100% on first $750 of eligible prescription costs.
            • 90% on next $3,850, to a maximum of $1,800.
            • Full coverage of reasonable and customary dispensing fees.
            • Residents of Nova Scotia: 100% generic drugs on first $270.
            • Residents of British Columbia and Saskatchewan: Prescription drug benefits based on
                                                                                       calendar year.
            • IMPORTANT: For residents of New Brunswick, B.C., Quebec, Manitoba and Saskatchewan
               Seniors' adjustments for prescription drugs do not apply.
               - Table of Contents -
        ComboPlus Enhanced (Drug Coverage)
            • 100% on first $750 of eligible prescription costs (name brand).
            • 90% on next $7,500.
            • Full coverage of reasonable and customary dispensing fees.
            • IMPORTANT: For residents of Residents of New Brunswick,
                                 B.C., Quebec, Manitoba and Saskatchewan prescription
                                 drug Seniors' adjustments do not apply.
               - Table of Contents -
™/® Trademarks are held by Manulife Financial.
® Lifeline is a trademark of Lifeline Systems Inc.
Best Doctors® is a registered trademark of Best Doctors, Inc. in the United States and other countries
and is used under license.
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er" bgcolor="#c0c0c0">0% 0% 60%           IMPORTANT - Dental coverage commences at age 17 for residents of Prince Edward Island, age 13 for
                                   residents of Newfoundland and age 11 for residents of Nova Scotia.
                                - Coverage is designed to concur with your current provincial Dental Association Fee Guide
                                   for General Practitioners.  The FlexCare DentalPlus coverage will be adjusted to match any
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