Manulife FollowMe Health & Dental Insurance
Lost your group benefits? Your coverage doesn't have to end.
FollowMe is Manulife's guaranteed acceptance health and dental plan designed for Canadians transitioning off employer coverage. No medical exam. No health questions. Apply within 90 days.
Group benefits ended? Apply within 90 days and Manulife won’t ask any medical questions. Leaving a Manulife group plan? You have 120 days, and you’ll save 5% for as long as you keep the plan.
Apply by November 30 to lock in 2026 rates, with coverage starting by December 1.
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No medical questions
Apply within 90 days of losing your group benefits and Manulife won’t ask about your health, so a pre-existing condition won’t stop you.
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90 days to apply
Your window starts the day your group benefits end. Leaving a Manulife group plan? You have 120 days, and you’ll save 5% for as long as you keep the plan.
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Apply in under 5 minutes
Simple online application. No paperwork, no waiting rooms.
Is Manulife FollowMe right for you?
You recently lost employer or group benefits
You want to maintain drug, dental, and vision coverage
You'd like approval without a medical exam or health questions
You have a 90-day window. To qualify for guaranteed acceptance, you must apply within 90 days of losing your group benefits. After that, medical underwriting applies and coverage may be denied.
Who can apply for Manulife FollowMe?
You can apply for FollowMe with no medical questions if all of these are true:
- You’re 18 or older. There’s no upper age limit.
- Your group health benefits ended in the last 90 days (120 days if you’re leaving a Manulife group plan).
- You live in Canada and have an active provincial health card. Quebec residents must be registered with RAMQ.
- You don’t have retiree health benefits from a former employer.
Have these ready when you apply: your previous group plan number and your provincial health card. You can add your spouse and your children (up to age 21).
Check my FollowMe priceMissed the 90-day window?
After 90 days, FollowMe asks medical questions like other plans. You still have two options:
Flexcare ComboPlus Starter
Manulife’s guaranteed acceptance plan. There are no medical questions, so it’s a good fit if you have a pre-existing condition.
Flexcare plans with medical questions
DrugPlus, DentalPlus, ComboPlus Basic and Enhanced: if you’re in good health, you can choose the drug and dental coverage level you need.
Not sure which fits? Call a licensed broker: 1-800-474-4474.
Choose Your Conversion Plan: Manulife FollowMe
FollowMe Basic Plan
Essential coverage
Drugs — 80% up to $500
Vision — $150 every 2 years
Hospital — 50% for first 150 days (up to $87.50 every day)
No routine dental (accidental dental only)
FollowMe Enhanced Plan
Generous coverage
Prescription drugs: 80%, up to $1,500 a year
Vision — $200 every 2 years
Hospital — 100% for first 60 days (up to $175 every day) and 50% for the next 90 days (up to $87.50 every day)
No routine dental (accidental dental only)
FollowMe Enhanced Plus Plan
Comprehensive coverage
Prescription drugs: 80%, up to $1,500 a year
Dental — 80% up to $700 in Year 1, $850 in Year 2, and $1,000 in Year 3+
Vision — $200 every 2 years
Hospital — 100% for first 60 days (up to $175 every day) and 50% for next 90 days (up to $87.50 every day)
FollowMe Premiere Plan
Top coverage
Prescription drugs: 80%, up to $2,800 a year
Dental — 80% up to $800 in Year 1, $1,000 in Year 2, and $1,500 in Year 3+
Vision — $300 every 2 years
Hospital — 100% for first 100 days (up to $200 every day) and 60% for next 90 days (up to $120 every day)
COVERAGE
What's Included in Every Plan
Prescription drugs
Generic drug coverage with shared dispensing fee
Vision care
Frames, contacts, and laser eye surgery
Paramedical
Chiro, physio, massage, acupuncture & more
Ambulance
Unlimited ground and air coverage
Optional travel
Multi-trip add-on, up to $5M per trip
Homecare
Nursing, equipment, and prosthetic appliances
Don't let your coverage lapse.
Get your quote in under 2 minutes — no obligation, no broker fee.
No medical exam
No broker fee
Manulife authorized
COVERAGE
FollowMe Health Insurance Coverage Summary
FollowMe is a group conversion plan that offers robust health protection regardless of who provided your previous group health and dental coverage. To qualify for a FollowMe group conversion plan you must have lost your employee benefits within the last 90 days. If you want a guaranteed issue plan but have not lost group insurance benefits please consider a Flexcare ComboPlus Starter plan (also offered by Manulife)
Dental Service
Basic services such as exams, fillings, extractions, denture services, etc.
Extensive services such as crowns, bridges, dentures, endodontics, periodontics, and orthodontics (note that coverage depends on the plan type selected).
Basic and Enhanced: accidental dental only.
Enhanced Plus: 80% of basic and extensive dental (exams, cleanings, fillings, oral surgery, root canals and gum treatment), up to $700 in year 1, $850 in year 2 and $1,000 from year 3.
Premiere: 80% of basic and extensive dental, up to $800 in year 1, $1,000 in year 2 and $1,500 from year 3, plus crowns, bridges and orthodontics at 60% from year 2.
Prescription Drugs
Coverage for generic drugs.
Shared dispensing fee.
Covered by all FollowMe plans, difference is amount of coverage.
Vision Care
Covers the cost towards prescription lenses and frames, contact lenses and laser eye surgery.
Covered by all FollowMe plans, difference is amount of coverage.
Hospital Benefits
Preferred hospital accommodation in excess of the standard ward room rate.
A cash benefit in lieu of the room cost for each day you are not able to obtain preferred accommodation.
Semi-private room for all plans, and private room available via the premiere plan.
Covered by all FollowMe plans, difference is amount of coverage.
Extended Health Care
Survivor Benefit
Coverage for one year upon death of an adult policy holder.
Covered by all plans.
Fracture Benefit
Benefit payable for a fractured bone.
Not covered by Basic plan.
Accidental Death & Dismemberment
Benefit payable for accidental death or dismemberment resulting from an accident.
Covered by all plans, difference is in amount of coverage.
Additional Extended Benefits
Covered by all plans, difference is in amount of coverage
Health Service Navigator®
Registered specialists and therapists
Psychologists and psychotherapists
Speech therapist
Lifeline® Emergency Response service
Homecare, nursing equipment, prosthetic appliances and durable medical equipment
Hearing aids
Ambulance services (unlimited ground and air)
Accidental dental
Optional Travel Insurance
Optional travel coverage: add emergency travel medical coverage if you’re 69 or younger. Coverage ends at age 80, and a $200 deductible applies per claim.
How Much Would My Plan Cost?
FollowMe prices depend on your age, your province and the plan you choose. Here’s what a single adult typically pays per month:
Adding a spouse or children raises the price.
Get your exact price in 2 minutes- Basic$85–$100/mo
- Enhanced$115–$140/mo
- Enhanced Plus$150–$180/mo
- Premiere$210–$250/mo
Questions about FollowMe? Talk to a licensed broker: 1-800-474-4474
Monday to Friday, 8:30 a.m. to 5 p.m. ET · No broker fees
Frequently Asked Questions
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Yes, you are welcome to apply if you have a pre-existing condition. FollowMe is guaranteed acceptance — your health history has no impact on eligibility, as long as you apply within 90 days of losing group coverage.
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If 90 days have already passed, you may still qualify for Manulife Flexcare ComboPlus — a similar plan that doesn't require group coverage loss but does involve medical questions.
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No. FollowMe health and dental covers prescription drugs, dental (on Enhanced Plus and Premiere), vision and health practitioners. Manulife’s FollowMe Life is a separate life insurance product.
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Yes. Spouse and dependent children can be added to your FollowMe plan at the time of application.
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No waiting period applies when you apply within 90 days of losing group benefits. Coverage is continuous from your group plan's end date.
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You have 90 days from the date your group health benefits end. Apply and pay your first premium within that window and Manulife won’t ask medical questions. If you’re leaving a Manulife group plan, you have 120 days and save 5% for as long as you keep the plan.