Health Plan Comparison

✅ Eligibility and Enrollment

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare
Medical Underwriting	❌ Not required (guaranteed acceptance)	✅ Not required if applied within 90 days of losing group coverage	✅ Not required for ComboPlus Starter; other plans may require underwriting
Covers Pre-existing Conditions	✅ Yes	✅ Yes	❌ Not covered in most plans; some limitations apply
Age Eligibility	Available to Ontario residents; AD&D terminates at 65	Available to those losing group benefits; plans extend into retirement	Available to individuals under 65; additional coverage options for 65+

💊 Health & Medical Benefits

Feature	Blue Cross	Manulife FollowMe (Basic Plan)	Manulife Flexcare (ComboPlus Plans)
Accidental Dental	70% up to $7,000/year	80% up to $2,000/year	Included under Extended Health Care; specifics vary by plan
Hospital Room (Semi-private)	100% for up to 90 days/year	100% for unlimited days/year	Optional add-on; coverage varies based on selected hospital benefit
Ambulance	70% up to $420/year	100% (no specified dollar cap)	Unlimited coverage
Paramedical Practitioners	70% up to $300/year per type	$20/visit, $250/year combined	$25/visit, up to 20 visits per practitioner/year
Medical Equipment & Supplies	70% up to $2,500/year combined	Limited, varies by plan (Basic has no coverage)	Covers services of registered health professionals; specifics vary by plan
Vision Care	70% up to $105 every 2 years	$150 every 2 years (Basic); increases in higher plans	$150–$250 every 2 years, depending on plan

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare (ComboPlus Plans)
Prescription Drugs	Optional after age 65 – 80% up to $625/quarter	Included in all plans (starts at $500/year in Basic; up to $10,000/year in Enhanced)	Ranges from $525/year (Starter) to $10,000/year (Enhanced); coverage percentages vary

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare (ComboPlus Plans)
Dental Coverage	70% up to $1,000/year (optional)	Basic: 70% up to $700/year (recall every 9 months); higher in Enhanced plans	$400/year (Starter) to $920/year (Enhanced); recall periods vary by plan

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare
Travel Coverage	Optional: 17 days/trip, $5M max	Optional: 30 days/trip, $5M max	Optional add-on: 9 to 17 days/trip, $5M max

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare (ComboPlus Plans)
Counselling / iCBT	70% up to $300/year + 5 hours online therapy via inConfidence®	Covered under Paramedicals (e.g., $250/year in Basic plan)	$80 for first visit, $65 for subsequent visits; maximum visits vary by plan
Health Coaching	70% up to $300/year	Not specified	Not specified

Feature	Blue Cross	Manulife FollowMe	Manulife Flexcare (ComboPlus Plans)
Accidental Death & Dismemberment	$25,000 (ends at 65)	Not standard in FollowMe	Optional add-on available