Manulife Health & Dental Guaranteed Issue Enhanced insurance

In Canada, the premiums you pay towards your health and dental insurance are tax deductible. As a self-employed individual, you may be able to deduct health insurance premiums from your business income.* If you are offering health benefits to your employees, you can generally deduct the cost of providing the plan as a business expense for tax purposes as well.**

_{* As a self-employed individual, you may be able to deduct health insurance premiums from your business income instead of claiming it as a personal medical expense for the purpose of the medical expense tax credit. TaxTips.ca, Eligible Medical Expenses, 2021}

_{**Canada Revenue Agency, Business Expenses}

Our health and dental plans that offer guaranteed acceptance, including the Manulife Flexcare® ComboPlus™ Starter Plan, Guaranteed Issue Enhanced Plan, and all four FollowMe™ plans for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Our other health and dental insurance plans only cover new medications. Please refer to your policy for more details.

If your claim form is complete and accurate, you will generally receive payment within six business days. When information is missing, we may have to return the claim form to you. This delays processing and payment.

First, check to see if your provider has already submitted your claim. Often, you don't have to submit a claim because many hospitals, pharmacies and dentists can submit your claim directly to us. There's no online form or paperwork for you, and you only pay the amount your plan doesn't cover.

If your provider hasn't already submitted your claim, you can submit your claim online (opens in a new tab) or on paper by mail.

Submit your claim online:

• Within 12 months of the date you were charged
• After you've paid more than any deductible in your plan
• Specify the currency if your claim is for services outside Canada
• Hold onto original receipts and applicable supporting documentation for 12 months

Submit your claim on paper by mail:

• Within 12 months of the date you were charged
• After you've paid more than any deductible in your plan
• Specify the currency if your claim is for services outside Canada
• Include original receipts and applicable supporting documentation
• Make sure you've signed your claim form
• Extended health claim form (PDF) (opens in a new tab) – for all covered expenses except dental expenses
• Dental benefit claim form (PDF) (opens in a new tab) – must be completed by your dentist or dental specialist

Every province and territory has a different health insurance plan – check your health ministry's website for details – but most may not cover:

• Prescription drugs
• Dental checkups and treatment
• Vision care
• Semi-private or private hospital rooms
• Registered specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
• Health-related products such as orthotics, hearing aids, prosthetics and medical equipment
• Health-related services such as ambulance, homecare and nursing, medical coordination and second medical opinions
• Emergency medical care for travellers

_{TELUS Health Virtual Care is a Trademark of TELUS Corporation, used by it and its affiliates under license.}