comparison of individual health insurance plans healthquotes.ca

Comparison of Individual Health Insurance Plans

Please use the table below as a comparison of individual health insurance plans. For the full details concerning coverage (e.g. paramedicals, etc.) please see the health plan details page or click on a Plan name listed below.

Manulife FlexCare

Insurance Plan Dental? Amount of Dental Drugs? Amount of Drugs
Manulife:
Flexcare DentalPlus (Basic)
Yes Year 1 :
– 50% of first $1,150.
– Total payable: $575/year per person
Year 2+ :
– 80% of first $400
– 50% of next $860.
– Total payable: $750/year per person
No not applicable
Manulife:
Flexcare DentalPlus (Enhanced)
Yes Year 1 :
– 70% of first $1,200
– Total payable: $840/year per person
Year 2+ :
– 100% of first $500.
– 60% of next $700.
– Total payable: $920/year per person
No not applicable
Manulife:
Flexcare DrugPlus (Basic)
No not applicable Yes – 70% first $750, 90% next $4,972
– Total benefits payable: $5,000/year per person
– Senior’s adjustments  apply if 65 or older
Manulife:
Flexcare DrugPlus (Enhanced)
No not applicable Yes – 90% first $2,222, 100% next $8,000
– Total benefits payable: $10,000/year per person
– Senior’s adjustments  apply if 65 or older
Manulife:
Flexcare ComboPlus (Starter)
Yes – 70% of 1st $575
– Total benefits payable: $400/year per person
Yes – 70% of 1st $750
– Total benefits payable: $525/year per person
– Senior’s adjustments  apply if 65 or older
Manulife:
Flexcare ComboPlus (Basic)
Yes – 80% of first $400, 50% next $860
– Total benefit payable per year $750 (per person)
Yes – 70% first $750, 90% next $4,972
– Total benefits payable: $5,000/year per person
(same as DrugPlus Basic)
– Senior’s adjustments  apply if 65 or older
Manulife:
Flexcare ComboPlus (Enhanced)
Yes – 100% of first $500 of eligible services
– 60% of next $700 of eligible services
– Total maintenance benefits payable/year: $920
– Major dental (crowns, etc.) available 3rd year of coverage
Yes – 90% first $2,000, 100% next $8,000
– Total benefits payable: $10,000/year per person
(same as DrugPlus Enhanced)
– Senior’s adjustments  apply if 65 or older

Ontario Blue Cross: Blue Vision Global PLan

Coverage Type Coverage Level Description
Extended Health Benefit Regular – Semi-private or private room (max. of $200/day)
– Hearing aids (up to $300 every 60 months)
– Nursing and homecare (up to $2,500/calendar year)
– Orthopedics (max. refund of $175/calendar year)
– Ambulance services
– Accidental dental (damage due to accident)
– Specialist coverage e.g. chiropractor, acupuncturist, physiotherapist, etc.
Extended Health Benefit Enhanced – Semi-private or private room (max. of $200/day)
– Travel insurance (up to 15 days, $5 million hospital, medical coverage)
– Vision care (lenses, frames, contact lenses, etc.). Max of $150/year
– Hearing aids (up to $300 every 60 months)
– Nursing and homecare (up to $2,500/calendar year)
– Orthopedics (max. refund of $175/calendar year)
– Ambulance services
– Accidental dental (damage due to accident, up to $2,000 calendar year) 
– Specialist coverage for: chiropractor, acupuncturist, physiotherapist, etc.
Dental Care Basic – Preventative Care:
– Exams, diagnostic services, radiographs, lab. tests, preventive services
– 70% of coverage, up to $750 per calendar year
– Basic Care:
– Minor restorative services, endodontics, periodontics, dentures
– 70% of coverage, up to $750 per calendar year (maximum includes preventative care)
– Major Restorative Services:
– none available
Dental Care Enhanced – Preventative Care:
– Exams, diagnostic services, radiographs, lab. tests, preventive services
– 70% first calendar year, 75% second calendar year, 80% 3rd year+
– Basic Care:
– Minor restorative services, endodontics, periodontics, dentures
– 70% 1st calendar year, 75% 2nd calendar year, 80% 3rd year+
– Up to $750 per calendar year (maximum includes preventative care)
– Major Restorative Services:
– Extensive restorative procedures, prosthodontic services
– 50% coverage, up to $500/calendar year
– Available the third year of coverage and following years
Drug Benefit Basic – 80% reimbursement for eligible prescribed medications
– No deductible
– Pay Direct drug card
– Not available to persons 65 or older
– No lifetime maximum. Per calendar year max. of $5,000
Drug Benefit Deluxe – 80% reimbursement for eligible prescribed medications
– No deductible
– Pay Direct drug card
– Not available to persons 65 or older
– No lifetime maximum. Per calendar year max. of $10,000

SENIOR’S ADJUSTMENTS

These adjustments to prescription drug coverage apply if the applicant is 65 years old or more.

MANULIFE DRUGPLUS BASIC AND COMBOPLUS BASIC:

– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $4,722 of eligible drug costs
– Total of $5,000 per person per anniversary year

MANULIFE DRUGPLUS ENHANCED AND COMBOPLUS ENHANCED:

– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $10,278 of eligible drug costs
– Total of $10,000 per person per anniversary year

MANULIFE COMBOPLUS STARTER:

– coverage increased to 100% of first $750 of eligible drug costs