Your Extended Health Care plan through Manulife helps cover many healthcare expenses that aren’t included in your provincial health plan. This includes prescription drugs, vision care, professional services, and medical supplies for you and your eligible dependents.
| Feature | Coverage |
|---|---|
| Overall Benefit Maximum | Unlimited |
| Deductible | None |
| Coinsurance | 100% for most covered services |
| Drug Dispensing Fee Maximum | $7 per prescription |
| Coverage Ends | Age 70 or retirement (whichever comes first) |
| Professional Services | Benefits Per Calendar Year |
|---|---|
| Chiropractor | $400 (includes diagnostic x-rays) |
| Osteopath | |
| Podiatrist/Chiropodist | |
| Massage Therapist | $400 |
| Naturopath | |
| Speech Therapist | |
| Acupuncturist | |
| Physiotherapist | $400 combined for services of physiotherapist and occupational therapist |
| Occupational Therapist | |
| Psychologist | $400 combined for services of a clinical counsellor, marriage and family therapist, psychologist, and social worker |
| Clinical Counsellor | |
| Marriage and Family Therapist | |
| Social Worker |
| Medical Services & Supplies | Benefits Per Calendar Year |
|---|---|
| Private Duty Nursing (per calendar year) | $10,000 |
| Orthopaedic Shoes (per calendar year) | $400 |
| Custom-Made Orthotics (every 24 months) | $400 |
| Hearing Aids (every 24 months) | $250 |
| Surgical Stockings (per calendar year) | 6 pairs |
| Surgical Brassieres (per calendar year) | 4 |
| Wigs & Hairpieces (per lifetime) | $500 |
| Speech Aids (per lifetime) | $1,000 |
| External Prostheses (per lifetime) | $25,000 |
| External Breast Protheses or Mastectomy Forms (per calendar year) | 2 |
| Stump Socks (per calendar year) | 4 |
| All other medical services and supplies | Unlimited |
| Referral outside Canada for medical treatment available in Canada (every 3 calendar years) | $3,000 |
| Out-of-Network Lifetime Maximum | $5,000,000 |
Your plan includes prescription drug coverage through Manulife’s ManuScript Generic Drug Plan.
Prescription drugs prescribed by a physician or dentist and dispensed by a licensed pharmacist, including:
| Drug Type | Benefit Maximum |
|---|---|
| Fertility drug (per lifetime) | $2,500 |
| Anti-smoking drug (per lifetime) | $500 |
| All other covered drug expenses | Unlimited |
| Drug payment type | Direct claims payment |
Your plan encourages the use of lower-cost generic medications when available. If a brand-name drug is prescribed but a generic equivalent exists, reimbursement may be limited to the cost of the generic alternative unless medical evidence shows the generic option cannot be used.
Your Pay Direct Drug Card lets the pharmacy confirm your coverage instantly.
You may need to submit a claim later if:
Vision coverage helps pay for eye exams and corrective lenses.
| Service | Coverage |
|---|---|
| Eye exams | Once every 12 consecutive months |
| Prescription glasses |
$250 every 12 consecutive months for persons under age 18 $250 every 24 months consecutive months for individuals ages 18 and over |
| Contact lenses |
$200 every 2 calendar years |
| Visual training | $200 lifetime maximum |
Your plan covers services from licensed health professionals. Most services are covered up to $400 per calendar year per practitioner.
Some services share a combined maximum of $400 per calendar year:
Your plan may also cover medically necessary supplies and equipment prescribed by a physician.
Refer to your benefits booklet for complete coverage details.
Manulife
(800) 268-6195
