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Manulife Health and Dental Guaranteed Issue Enhanced Plan for Seniors
As you age, health coverage becomes more important than ever. The Manulife Health and Dental Guaranteed Issue Enhanced Plan is designed specifically for seniors, offering a range of benefits without the hassle of medical questionnaires.
Key Benefits
Guaranteed Acceptance
No medical questionnaire required at application time.
Prescription Drugs
Maximum of $2,500 in paid expenses per year
Co-insurance of 80%
Includes coverage for lifestyle drugs such as medical marijuana, smoking cessation aids, and more.
Dental Coverage
Maximum of $450 in paid expenses per year
Co-insurance of 80%
Reimbursement for essential dental services.
Extended Health Care
Coverage for registered specialists and therapists (up to $500 per year)
Mental health therapy sessions with a combined maximum of 10 visits per year.
Medical Equipment and Supplies
Coverage for walkers, canes, oxygen, and more to help maintain independence at home.
Vision Care
Maximum of $200 every two years for prescription eyewear and optometrist fees.
In-Hospital Expenses
Up to $1,000 every two years for out-of-pocket expenses during hospital stays.
Emergency Medical Travel
Coverage up to $5 million outside Canada for emergencies.
Additional Features for Seniors
Nursing Services
Coverage for registered nurses, with increasing maximums over time.
Accidental Death and Dismemberment Coverage
Up to $50,000 for adults under 65 and $15,000 for those over 65.
Virtual Care Access
24/7 access to healthcare practitioners online for convenience.
Exclusions
Brand-name drugs that have lower-cost alternatives.
Charges incurred prior to the effective date of the plan.
Services or supplies that are not for personal use.
How to Apply
Applying for the Manulife Health and Dental Guaranteed Issue Enhanced Plan is simple and straightforward.
Contact Us: Reach out to us who specializes in senior health coverage.
Submit Your Application: Fill out a quick application form with no medical questions required.
Get Covered: Enjoy peace of mind knowing that you have comprehensive health coverage tailored for your needs.
Why Choose Manulife for Seniors?
Experience and Reliability: With over 130 years in the insurance industry, Manulife has a proven track record of providing reliable and trusted health coverage.
Comprehensive Coverage: Our plans are specifically tailored to meet the unique needs of seniors, ensuring you have access to a wide range of services and support.
Guaranteed Acceptance: Enjoy peace of mind with our Guaranteed Issue Enhanced Plan, which allows for easy enrollment without medical questions, making it accessible for everyone.
Focus on Lifestyle Drugs: We understand that maintaining quality of life is crucial for seniors. Our coverage includes a range of lifestyle drugs that support your health and wellness.
Dedicated Support: Our team is committed to providing personalized support to help you navigate your health insurance options, ensuring you get the coverage you need.
Innovative Health Solutions: Access to TELUS Health Virtual Care allows you to consult healthcare professionals from the comfort of your home, making healthcare more accessible.
Frequently Asked Questions
What is the Guaranteed Issue Enhanced Plan?
The Guaranteed Issue Enhanced Plan provides health and dental insurance with guaranteed acceptance at application, requiring no medical questionnaire. It offers comprehensive coverage tailored for seniors.
Who is eligible for this plan?
Seniors looking for comprehensive coverage, those with pre-existing conditions, and individuals without a current group plan are eligible.
What benefits does the plan offer?
The plan includes up to $2,500 for prescription drugs, $450 for dental care, extended health care benefits, vision care, and coverage for nursing services and medical equipment.
Are lifestyle drugs covered?
Yes, the plan covers a variety of lifestyle drugs, including smoking cessation aids and medical marijuana, with a combined maximum of $500 for certain categories.
Is there a waiting period for benefits?
Yes, benefits may have waiting periods. For example, medical equipment and supplies typically have a 3-month waiting period.
What should I do if I have a pre-existing condition?
The plan allows guaranteed acceptance for seniors with pre-existing conditions, but some benefits may have specific waiting periods or exclusions.
At Senior Secure Canada, we specialize in providing financial solutions that ensure guaranteed income for life, helping you retire with peace of mind. With personalized strategies tailored to your needs, we help you navigate retirement without the stress of market risks.
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