Better Business Bureau

Comparison of Quoted Health Plans

Please use the table below to compare and contrast the quoted 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 below.

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
Sun Life:
Basic Plan
Yes - 3-month waiting period
- 60% reimbursement
- $500/yr maximum
Yes - 60% reimbursement
- no deductible
- $750 maximum/year
Sun Life:
Standard Plan
Yes
(option)
- 3-month waiting period
- 70% reimbursement
- $750/year maximum
Yes - 70% reimbursement on the first $7,000
- 100% on the next $93,000
- no deductible
- $100,000 maximum/year
Sun Life:
Enhanced Plan
Yes
(option)
- 3-month waiting period
- 80% reimbursement
- $750/year maximum
 
Restorative:
 - 50% reimbursement, $500 annual maximum
- Includes endodontic, periodontics, oral surgery crowns, onlays, bridges, dentures (and repairs)
(one year waiting period before coverage begins)

Orthodontic:
- 60% reimbursement $1,500 lifetime maximum
(two year waiting period before coverage begins)
Yes - 80% reimbursement on the first $5,000
- 100% on the next $95,000
- no deductible
- $100,000 maximum/year
Sonata:
Core Plan
Yes - 3-month waiting period
- $350 max. per person per calendar year
- 70% for routine services
- Major dental available as an option
Yes - 70% for prescription drugs
- $500 max. per person per calendar year
- $5 max. dispensing fee
Sonata:
Core Plus Plan
Yes - 3-month waiting period
- $750 max. per person per calendar year
- Major dental available as an option
Yes - 75% for prescription drugs
- $10,000 max. per person per calendar year
- $5 max. dispensing fee
Sonata:
Elite (No Dental) Plan
No not applicable Yes - 90% on 1st $10,000 per person per calendar year
- 100% for the next $240,000 per person per year
- $7 max. dispensing fee
Sonata:
Elite Plan
Yes - 3-month waiting period
- 80% for routine services
- $750 max. per person per year for routine services
- Major dental: $500 max. per person per calendar year
Yes - 90% on 1st $10,000 per person per calendar year
- 100% for the next $240,000 per person per year
- $7 max. dispensing fee
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.
DentalCare (one level of coverage) - Preventative Care:
- Exams, diagnostic services, radiographs, lab. tests, preventive services
- 70% first calendar year, 75% second calendar year, 80% 3rd year+
- Basic Care:
- Restorative services, endodontics, periodontics, dentures
- 70% 1st calendar year, 75% 2nd calendar year, 80% 3rd year+
- 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