Manulife’s Coverme (Flexcare) offers two levels of standalone dental insurance plans. Both levels of coverage are guaranteed acceptance with no medical questionnaire required. And both levels of coverage include basic health coverage. These standalone dental plans do not include prescription drug coverage.

Dental coverage is for fillings, cleanings, scalings, examinations, polishing and certain extractions. Recall visits are every 9 months.

• Year 1: 50% of your first $1,150 of eligible services. Max. benefits payable of $575 per person.
• Year 2+: 80% of your first $300 of eligible expenses. 50% on your next $850 of eligible services. Max benefit payable of $665 per person.

Dental coverage is for fillings, cleanings, scalings, examinations, polishing and most extractions. Recall visits are every 6 months.

• Year 1: 60% of your first $1,200 of eligible services. Max. benefits payable of $720 per person.
• Year 2+: 90% of your first $500 of eligible expenses. 60% on your next $700 of eligible services. Max benefit payable of $870 per person.

Also includes:

• Year 2: 60% for oral surgery, periodontics and endodontics (root canal).
• Year 3+ 80% for oral surgery, periodontics and endodontics (root canal), 60% for orthodontics, crowns and bridges, dentures.

Combined maximum of $1250 per 3 year period for oral surgery, periodontics, endodontics, orthodontics, crowns and bridges, and dentures.

Both dental insurance plans provide basic health insurance (not prescription drug coverage though). The basic health insurance coverage with both dental plans includes:

• Basic vision of $100 max every 2 benefit years towards prescription lenses, frames, contact lenses and eye surgery. $30 every 2 consecutive benefit years for optometrists fees.
• Basic extended health care including $20 max. per visit, max 20 visits per anniversary year for chiropractor, chiropodist, osteopath, naturopath, podiatrist, registered massage therapist and acupuncturist.
• Psychologist, $80 max first visit, $65 max subsequent visits, 10 visit maximum per anniversary year.
• Chiropractic X-Ray max of $35 per anniversary year
• Physiotherapist max $250 per anniversary year
• Speech Pathologist/therapist, $65 max first visit, $45 max subsequent visits with 10 visits max per anniversary year.
• Unlimited ground transporation to hospital and $4000 max air ambulance per year.
• Hearing aid max of $400 every 4 benefit years.
• Emergency health coverage of $5 million for trips lasting a maximum of 9 days. Pre-existing conditions apply, and not available for clients 65 and over.

Additional coverages may be available, and coverages are payable only after Government insurance plan maximums have been reached.