Flexcare® provides cost-effective options
If you don’t have coverage through an employer or if your employer group plan doesn’t have the coverage levels you want, Flexcare is here for you with affordable, flexible health insurance options. Flexcare Health and Dental offers comprehensive health insurance and flexible dental insurance options that put you in control. From health insurance for freelancers to health insurance for independent contractors, we can help. With seven plans to choose from, it’s as easy as choosing the dental and drug plan that best meets your needs and budget.
Benefits
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Flexible health insurance
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Earn rewards and save premiums with Manulife Vitality
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Get 24/7 access to consult with healthcare professionals through an app
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Get up to $5,000,000 in emergency medical travel coverage
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Obtain special rates for families with three or more children
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Flexble dental insurance
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Submit your claims electronically
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Get additional coverage if you're 65+
Plan details
- Comprehensive health insurance
- Prescription drugs
- Dental services
- Combination of prescription drugs and dental service with vision care and extended health care coverage
Manulife CoverMe plan details
| Flexcare Plans | Prescription Drugs | Dental | Vision Care | Extended Health Care |
|---|---|---|---|---|
| DrugPlus Basic | $5,000 | Not covered | $250/2 years | $250,000 Lifetime Maximum |
| DrugPlus Enhanced | $10,000 | Not covered | $250/2 years | $250,000 Lifetime Maximum |
| DentalPlus Basic | Not covered | Year 1: $575/year Year 2: $750/year |
$250/2 years | $250,000 Lifetime Maximum |
| DentalPlus Enhanced | Not covered | Year 1: $840/year Year 2: $920/year |
$250/2 years | $250,000 Lifetime Maximum |
| ComboPlus Starter | $600 | $400 | $150/2 years | $250,000 Lifetime Maximum |
| ComboPlus Basic | $5,000 | $750 | $250/2 years | $250,000 Lifetime Maximum |
| ComboPlus Enhanced | $10,000 | $920 | $250/2 years | $250,000 Lifetime Maximum |
Optional add-ons:
- Manulife Vitality
- Hospital
- Additional vision care
- Travel
- Accidental death and dismemberment
- Catastrophic
Stand-alone coverage:
- Hospital
- Catastrophic
Included in all plans:
- TELUS Health Virtual Care1 – get 24/7 access to virtual healthcare anywhere in the world!2 Learn more.
- Maven Menopause & Midlife Health: Navigate menopause and male midlife health with more confidence — get personalized support designed around your needs.
Live healthy, earn rewards and save money with Manulife Vitality!
Available on all Health & Dental plans, Manulife Vitality gives you insurance plus the opportunity to earn rewards and save on how much you pay—all while improving your health! You can earn points for choosing simple activities like eating well and exercising to completing health assessment online. The more engaged you are and the healthier your choices, the more points you can earn towards rewards!
You can save 5% on your first-year premiums AND up to 10% in following years when you select Manulife Vitality with your Flexcare Health & Dental insurance plan.
Need help?
Find more information, get questions answered, your claims submitted:
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Health insurance support Instructions and forms for your Flexcare or FollowMe plan
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Frequently asked questions Learn more about your coverage, timelines, claims and much more
Visit the FAQ -
Submit health and dental claims Sign in to your account and follow the steps to submit a claim
Visit the secure site
Frequently asked questions
Individual health and dental insurance is ideal for costs not covered by your government health benefits plan, like prescription drugs, dental checkups and treatments, and vision care.
No. With Flexcare there are guaranteed acceptance options available that would not require you to complete a medical questionnaire at the time of application.
If you’re self-employed, you can purchase individual health insurance to cover the cost of prescription drugs, professional therapy, vision care and other expenses not covered by government health plans. The cost will depend on your age and sex, where you live and the amount and type of coverage that you choose.
“Flexible plan” means that you’re in charge of your coverage. With Manulife Flexcare, you can choose the type and level of coverage that’s right for you. Choose comprehensive health and dental coverage or a standalone option if you want targeted protection in just one area.
Absolutely! Our flexible health insurance options are a good option for independent contractors, business owners, freelancers and the self-employed — anyone looking for protection from expenses not covered by government health plans.
1TELUS Health Virtual Care is a Trademark of TELUS Corporation, used by it and its affiliates under license.
2The TELUS Health Virtual Care benefit is included at no cost for FlexCare members and available once the member has registered to submit claims online through Manulife's SecureServe portal. Manulife cannot guarantee the availability of this benefit indefinitely.
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