Guaranteed Issue Enhanced

The Guaranteed Issue Enhanced plan is guaranteed acceptance at time of application, making it great for your clients looking for comprehensive coverage, with a high drug limit and coverage for Lifestyle* drugs, without the need for a medical questionnaire at time of application.

Individuals, couples and families who are looking for comprehensive coverage and:

• Are looking for a higher prescription drug benefit limit ($2,500 in paid expenses)
• Want an easy application/prefer not to answer medical questions
• May have pre-existing medical conditions or have been denied health coverage
• Are seeking out Lifestyle* drug coverage as part of their plan
• Are looking for a supplemental plan but don't currently have a group plan, are self-employed, running a small business or retired

*Lifestyle drugs include prescription birth control drugs, glucose sensors, oral erectile dysfunction drugs, smoking cessation drugs and aids, medical marijuana, Intra Uterine Devices (IUDs) and diaphragms, anti-obesity drugs, vaccines

• Plan maximum of $2,500 in paid expenses per year
• Co-insurance of 80%
• Maximum dispensing fee of $6.50

Included in the $2,500 annual maximum, $500 maximum in paid expenses per year for the following:

• prescription birth control drugs (whether or not taken for birth control purposes)
• flash glucose sensors
• oral, erectile dysfunction drugs (whether or not taken for erectile dysfunction purposes)
• smoking cessation drugs and aids, up to a lifetime maximum of $300
• medical marijuana (must use Manulife’s medical marijuana program)
• intra-uterine devices (IUDs) and diaphragms
• anti-obesity drugs
• vaccines 

What’s excluded?

• Brand name drugs that have lower cost alternatives

• Plan maximum of $450 in paid expenses per year
• Co-insurance of 80% 
• Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic and other basic dental service, and extensive services including oral surgery, endodontics, periodontics and denture services
• 12-month recall period
• Scaling units limit to 4 units per benefit year, excludes fluoride

What’s excluded?

• Charges that happen prior to the effective date 
• Amounts that exceed the Provincial Dental Association Suggested Fee Guide for General Practitioners in effect at the time the services are done

Registered specialists and therapists – Acupuncturists, athletic therapists, chiropractors, osteopaths, naturopaths, chiropodists, podiatrists, massage therapists, physiotherapists and dietitians.

• Combined plan maximum of $500 per year (based on reasonable and customary charges) 
• Co-insurance of 80%

Mental health and therapy – psychologists, psychotherapists, clinical counsellors, registered social workers, speech therapists.

• $65 maximum for first visit, $45 maximum per subsequent visits. 10 visits combined maximum per year 

Medical equipment

• Casts, canes, and crutches: maximum $200 per year, lifetime maximum $1,500 (3 month waiting period)
• Walkers and knee-walkers: maximum $250 every 3 years, lifetime maximum $1,000 (3 month waiting period)
• Oxygen: maximum $250 per year, lifetime maximum $1,000 (3 month waiting period)
• Standard non-electric wheelchairs and hospital adjustable beds: maximum $1,000 per person every 2 years, lifetime maximum $2,500 (1 year waiting period)
• Blood pressure monitor: maximum $60 every 5 years, lifetime maximum $250 (3 month waiting period)
• All expenses must occur in your home province or territory to be eligible

Prosthetics and medical supplies

• Prosthetics and standard artificial limbs (arm, leg, eye, ear, finger, or toe prostheses and larynx or voice prosthesis) and braces (1 brace per body part per year): $1,000 per year, lifetime maximum $5,000 (1 year waiting period)
• Urinary kits, ostomy supplies: $250 per year, lifetime maximum $1,000 (3 month waiting period)
• Surgical stockings or compression leg sleeves: $100 per year, 1 pair per calendar year (3 month waiting period)
• Wigs for oncology related diagnosis, and external breast prosthesis following a mastectomy: $500 every 3 years, lifetime maximum $1,000 (3 month waiting period)
• Medical supplies – sterile surgical bandages, dressings or burn jackets used for post-surgery treatment or treatment of open wounds: $100 per year, lifetime maximum $500 (3 month waiting period)
• All expenses must occur in your home province or territory to be eligible

Orthotics

• Plan maximum of $250 every 2 years
• Lifetime maximum of $1,000
• 3 month waiting period

Hearing aids

• Plan maximum of $500 per 5 benefit years in a row, starting in year 2

Nursing

Charges for the service of:

• Registered Nurse (R.N.), Registered Practical Nurse (R.P.N.)
• Anniversary maximums: Years 1 & 2: $500, Year 3: $1,000, Year 4: $2,500, Year 5+: $4,000

Ambulance

• Unlimited ground and air in home province

• Plan maximum of $200 every 2 benefit years to cover costs towards prescription eyewear, including lenses and frames, contact lenses, and laser eye surgery (3 month waiting period)
• Plan maximum of $60 every 2 benefit years for optometrist fees, where optometrist visits are not covered by a government health insurance plan

What’s excluded?

• Industrial and prescription safety glasses or non-prescription sunglasses
• Services or supplies which are not for your own personal use
• Eyewear cleaning supplies and accessories

• Up to $50/day up to a maximum of $1,000 every 2 years to cover your out-of-pocket expenses during a hospital stay including food, gift shop and pharmacy purchases, parking, Wi-Fi, TV, and private transportation out of the hospital to home
• 3 month waiting period
• Deductible: $200 per claim
• Coverage ceases at age 70
• To be eligible for a refund under this benefit, you must provide paid original receipts with your claim

What’s excluded?

• Hospital room charges
• Medical treatment for a chronic-care condition or slow-stream rehabilitation in a hospital or private hospital

Charges for the following expenses, when referred by a physician to a hospital, medical treatment centre or medical specialist because, in the physician’s opinion, adequate medical treatment is not available within 1,000 kilometers round trip of the insured/covered person’s province of residence: 

• Combined plan maximum of $1,000 every 2 years 
• 3 month waiting period
• Deductible: $200 per claim
• Coverage ceases at age 70
• To be eligible for a refund under this benefit, you must provide paid original receipts with your claim

Eligible expenses related to your hospitalization include:

• Round trip economy class travel tickets via a commercial airline, rail, bus, or ferry for you and, if required, a companion; or 
• Mileage for other land transportation, such as a car or taxi, calculated according to the Canada Revenue Agency’s automobile allowance rate for the year the expense took place. 
• Excludes amenities and car rental fare other than fuel.
• Transportation must take place within 2 months of the referral. 
• Accommodation in a hotel or other commercial facility for you and, if required, a companion, 
• combined maximum up to $75 per day for you and a companion, during the treatment, 1 day before and 1 day after the treatment
• Meals, to a combined maximum up to $50 per day for you and, if required, a companion, during the treatment, 1 day before and 1 day after the treatment

What’s excluded?

• Hospital room charges

• $5 million per person maximum
• 10 days per trip, unlimited number of trips
• Coverage ceases at age 70
• 9-month stability
• Deductible: $200 per claim

• $50,000 per adult (above 18 and under 65)
• $15,000 per child and adults 65 and older

• Plan maximum of $10,000 per year

• Premiums will be waived for 1 year following the death of an adult insured after Year 1

Charges for the following diagnostic services (conditions, limitations and exclusions apply):

• CAT Scans – $200 per year 
• Ultrasound Scans – $50 per year 
• Magnetic Resonance Imaging (MRI) – $500 per year 
• Laboratory Tests - $100 per category, per year 
• Prostate Specific Antigen (PSA) Test – $75 per year 
• CA 125 Test – $75 per year 
• Audiologist – $500 per year 

• 24/7 access to healthcare practitioners online, through the app
  
• Easy access to lab results, prescriptions, refills and referrals

• 6 months every 3 years for one of the services
• LivingWell Companion – Get live access to a trained operator for emergency assistance 24 hours a day, 7 days a week. Includes an optional fall detector
• SmartHome Security – Get home security and home monitoring from your smartphone. Learn more