Comparison of Individual Health Insurance Plans

Please use the table below as a comparison of individual health insurance plans. For the full details concerning coverage (e.g. paramedicals, etc.) please see the health plan details page or click on a Plan name listed below.

Manulife FlexCare

Insurance Plan	Dental?	Amount of Dental	Drugs?	Amount of Drugs
Manulife: Flexcare DentalPlus (Basic)		Year 1 : – 50% of first $1,150. – Total payable: $575/year per person Year 2+ : – 80% of first $400 – 50% of next $860. – Total payable: $750/year per person		not applicable
Manulife: Flexcare DentalPlus (Enhanced)		Year 1 : – 70% of first $1,200 – Total payable: $840/year per person Year 2+ : – 100% of first $500. – 60% of next $700. – Total payable: $920/year per person		not applicable
Manulife: Flexcare DrugPlus (Basic)		not applicable		– 70% first $750, 90% next $4,972 – Total benefits payable: $5,000/year per person – Senior’s adjustments  apply if 65 or older
Manulife: Flexcare DrugPlus (Enhanced)		not applicable		– 90% first $2,222, 100% next $8,000 – Total benefits payable: $10,000/year per person – Senior’s adjustments  apply if 65 or older
Manulife: Flexcare ComboPlus (Starter)		– 70% of 1st $575 – Total benefits payable: $400/year per person		– 70% of 1st $750 – Total benefits payable: $525/year per person – Senior’s adjustments  apply if 65 or older
Manulife: Flexcare ComboPlus (Basic)		– 80% of first $400, 50% next $860 – Total benefit payable per year $750 (per person)		– 70% first $750, 90% next $4,972 – Total benefits payable: $5,000/year per person (same as DrugPlus Basic) – Senior’s adjustments  apply if 65 or older
Manulife: Flexcare ComboPlus (Enhanced)		– 100% of first $500 of eligible services – 60% of next $700 of eligible services – Total maintenance benefits payable/year: $920 – Major dental (crowns, etc.) available 3rd year of coverage		– 90% first $2,000, 100% next $8,000 – Total benefits payable: $10,000/year per person (same as DrugPlus Enhanced) – Senior’s adjustments  apply if 65 or older

Ontario Blue Cross: Blue Vision Global PLan

Coverage Type	Coverage Level	Description
Extended Health Benefit	Regular	– Semi-private or private room (max. of $200/day) – Hearing aids (up to $300 every 60 months) – Nursing and homecare (up to $2,500/calendar year) – Orthopedics (max. refund of $175/calendar year) – Ambulance services – Accidental dental (damage due to accident) – Specialist coverage e.g. chiropractor, acupuncturist, physiotherapist, etc.
Extended Health Benefit	Enhanced	– Semi-private or private room (max. of $200/day) – Travel insurance (up to 15 days, $5 million hospital, medical coverage) – Vision care (lenses, frames, contact lenses, etc.). Max of $150/year – Hearing aids (up to $300 every 60 months) – Nursing and homecare (up to $2,500/calendar year) – Orthopedics (max. refund of $175/calendar year) – Ambulance services – Accidental dental (damage due to accident, up to $2,000 calendar year)  – Specialist coverage for: chiropractor, acupuncturist, physiotherapist, etc.
Dental Care	Basic	– Preventative Care: – Exams, diagnostic services, radiographs, lab. tests, preventive services – 70% of coverage, up to $750 per calendar year – Basic Care: – Minor restorative services, endodontics, periodontics, dentures – 70% of coverage, up to $750 per calendar year (maximum includes preventative care) – Major Restorative Services: – none available
Dental Care	Enhanced	– Preventative Care: – Exams, diagnostic services, radiographs, lab. tests, preventive services – 70% first calendar year, 75% second calendar year, 80% 3rd year+ – Basic Care: – Minor restorative services, endodontics, periodontics, dentures – 70% 1st calendar year, 75% 2nd calendar year, 80% 3rd year+ – Up to $750 per calendar year (maximum includes preventative care) – Major Restorative Services: – Extensive restorative procedures, prosthodontic services – 50% coverage, up to $500/calendar year – Available the third year of coverage and following years
Drug Benefit	Basic	– 80% reimbursement for eligible prescribed medications – No deductible – Pay Direct drug card – Not available to persons 65 or older – No lifetime maximum. Per calendar year max. of $5,000
Drug Benefit	Deluxe	– 80% reimbursement for eligible prescribed medications – No deductible – Pay Direct drug card – Not available to persons 65 or older – No lifetime maximum. Per calendar year max. of $10,000

SENIOR’S ADJUSTMENTS

These adjustments to prescription drug coverage apply if the applicant is 65 years old or more.

MANULIFE DRUGPLUS BASIC AND COMBOPLUS BASIC:

– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $4,722 of eligible drug costs
– Total of $5,000 per person per anniversary year

MANULIFE DRUGPLUS ENHANCED AND COMBOPLUS ENHANCED:

– 100% coverage for the first $750 of eligible drug costs
– 90% on the next $10,278 of eligible drug costs
– Total of $10,000 per person per anniversary year

MANULIFE COMBOPLUS STARTER:

– coverage increased to 100% of first $750 of eligible drug costs