Manulife CoverMe (FlexCare) health insurance offers two levels of standalone prescription drug insurance plans. Both levels of coverage include basic health coverage. These standalone health and drug insurance plans do not include dental insurance coverage.

Provides generic drug coverage. Name brand drugs are allowed, but reimbursement will be based on the generic equivalent price.

Coverage
1. 100% of reasonable and customary dispensing fees.
2. 70% on your first $765 of eligible prescription costs
3. 90% of your next $3850 of eligible prescription costs

Total benefits per person per anniversary year is $4000.

Excludes smoking cessation drugs, over the counter drugs, fertility drugs, birth control drugs and drugs not requiring a prescription.

(Note: Persons over age 65, covers 100% of the first $750 of eligible prescription costs not covered by gov’t health insurance, 90% of the next $3850 per anniversary year)

Name brand and generic drugs, including birth control and fertility drugs.

Coverage
1. 100% of reasonable and customary dispensing fees.
2. 90% on your first $2220 of eligible prescription costs
3. 100% of your next $6000 of eligible prescription costs

Total benefits per person per anniversary year is $8000.

Excludes smoking cessation drugs, over the counter drugs and drugs not requiring a prescription.

(Note: Persons over age 65, covers 100% of the first $750 of eligible prescription costs not covered by gov’t health insurance, 90% of the next $7500 per anniversary year)

Both prescription drug plans include basic health insurance.. The health insurance coverage with both drug 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.