Compare plan coverage

Choose the level of protection that best suits your needs and budget.

Coverage details Basic Enhanced Enhanced Plus Premiere

Prescription Drugs
(See details below)

80% max. of $500/year of generic drugs 80% max. of $1,250/year of generic drugs 80% max. of $1,250/year of generic drugs 80% max. of $2,500/year of generic drugs
Dental Not covered Not covered Year 1: $700/year
Year 2: $850/year
Year 2: $1,000/year
Year 1: $800/year
Year 2: $1,000/year
Year 2: $1,500/year
Vision Care $150/2 years
$50 optometrist visit/2 year
$200/2 years
$60 optometrist visit/2 year
$200/2 years
$60 optometrist visit/2 year
$300/2 years
$60 optometrist visit/2 year
Hospital Benefits Included Included Included Included
Extended Health Care: Lifetime Maximum $100,000
(See details below)
$200,000
(See details below)
$200,000
(See details below)
$300,000
(See details below)

For full plan details download the Plan Comparison Chart

Plan details

Drug coverage is for generic drugs – A generic drug is a generally less expensive alternative to an interchangeable brand-name drug product. Please note: Not all drugs have a generic equivalent. If a non-generic drug is purchased, payment will be based on the lowest generic drug cost equivalent.  If no generic brand exists, payment of the brand-name price will be made at the co-payment level of your plan.

Exclusions for all plans: smoking cessation drugs, over-the-counter drugs, fertility drugs, birth control, erectile dysfunction drugs, and drugs not requiring a prescription. 

The Premiere Plan is the only plan that covers birth control drugs (oral pills and patches only). Other exclusions apply; please consult your policy for details.

Maximums for plans are anniversary year except for drug coverage in British Columbia and Saskatchewan where it is based on calendar year.

All plans include shared dispensing fees. 

Covers services, paid at a percentage of the current Dental Association Fee Schedule in your province of residence.

  • Reimbursement on exams, cleanings, fillings, scaling, polishing, root planing, diagnostic, select extractions and other basic dental services
  • Reimbursement on extensive services including oral surgery, endodontics and periodontics, as well as denture services
  • The Premiere Plan (only) covers reimbursement on crowns, bridges, dentures and orthodontics
  • Coverage maximums are per Anniversary year
  • Recall visits

Note: If applicable, dental coverage begins at the age when your government health insurance plan coverage ends.

Coverage costs toward the purchase of prescription lenses, frames, contact lenses and laser eye surgery. This benefit does not include industrial safety glasses.

Include preferred hospital accommodation in excess of the standard ward room rate set by a general (acute care) hospital. Also included is a cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.

Type of accommodation, the maximum charge per day and reimbursement/anniversary year is dependent on plan chosen

Plan Accommodation
Basic Plan Semi-private room at $175/day at 50% for 150 day
Enhanced Semi-private room at $175/day at 100% for first 60 days; 50% next 90 days
Enhanced Plus Semi-private room at $175/day at 100% for first 60 days; 50% next 90 days
Premiere Plan Semi-private or private room at $200/day at 100% for first 100 days; 60% next 90 days

Cash benefit in lieu of accommodation:

Plan Accommodation
Basic Plan $25/day ($1,500 max/anniversary year)
Enhanced $50/day ($3,000 max/anniversary year)
Enhanced Plus $50/day ($3,000 max/anniversary year)
Premiere Plan $50/day ($5,000 max/anniversary year)

Extended Health Care

Covering some of the additional costs for services not covered by your government health plans, including:

Unlimited ground and air transport for all plan options. Covers trips to hospitals in a licensed ground ambulance up to the amount between what your provincial health plan covers (yearly maximums) and what is reasonable and customary.

Payment for accidental death or dismemberment directly resulting from an accident, occurring within one year of the date of the accident.

Plan Adult Coverage Children and 65+ Coverage
Basic Plan Up to $10,000 Up to $5,000
Enhanced Up to $25,000 Up to $10,000
Enhanced Plus Up to $25,000 Up to $10,000
Premiere Plan Up to $50,000 Up to $15,000

Covers the cost to purchase and/or repair up to the allowed maximum. 

Plan Coverage
Basic Plan $300 maximum per every 5 benefit years
Enhanced $400 maximum per every 5 benefit years
Enhanced Plus $400 maximum per every 5 benefit years
Premiere Plan $600 maximum per every 5 benefit years

Covers the services of registered health professionals including Registered Nurses, Registered Practical Nurses, Licensed Practical Nurses, Personal Support Workers and Occupational Therapists. Includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs, hospital beds, oxygen and other equipment recommended by your physician and approved by Manulife. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following a mastectomy. Payment will be coordinated where benefits are available through the Assistive Devices Program.

Maximum per year for each of Homecare and Nursing; Prosthetic Appliances; and Durable Medical Equipment:

  • Basic Plan - Year 1: $500, Year 2: $750 and Year 3+: $1,250
  • Enhanced & Enhanced Plus Plans - Year 1: $1,000, Year 2: $1,500 and Year 3+: $3,000
  • Premiere Plan - $3,500/year

$250 maximum per person per anniversary year for all plans 

Registered Specialists and Therapists

Includes visits to Acupuncturists, Chiropractors, Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists, Psychologists and Speech Therapists.

Benefits are only payable after yearly maximums allowed under your government health insurance plan have been reached, if applicable.

  • Basic Plan – 20-visit/year per specialist, $15 maximum per visit
  • Enhanced & Enhanced Plus Plans – $600 combined maximum per anniversary year
  • Premiere Plan – $650 combined maximum per anniversary year
  • $35 per year maximum for chiropractic x-rays for all plan
  • $80 maximum per first visit - $80 for all plans
  • $60 maximum per subsequent visit for all plans
  • 10 visit maximum per year for Basic, Enhanced and Enhanced Plus Plans, 12 visit maximum for Premiere Plan

Maximum per first visit - $65 

Maximum per subsequent visit - $45 

Maximum visits per year - 10 per year 

(Maximum visits per year - 15 per year for Five Star option)

Maximums: All maximums are per person. Any unused portion of benefits cannot be accumulated and added to coverage in future months or years.

Anniversary year: The consecutive 12 months following the effective date of the agreement, and each 12-month period thereafter. All references to “year” refer to anniversary year. When it relates to Hearing Aids and Vision Care benefits, year refers to benefit year.

Benefit year: The 12 consecutive months following the incurred date of the claim. 

Calendar year: Each successive 12-month period commencing January 1 and ending December 31.

Complete your own personal quote below, or call for more information. You can visit the Resource Centre for a downloadable pdf of the brochures or application.