Take control of your medical expenses with Flexcare® and

Catastrophic coverage
Why choose Manulife?
Your emergency back-up for when medical bills get out of hand
Manulife is a leading Canada-based financial
services group with operations in Asia, Canada
and the United States.
Why get Catastrophic coverage?
Through our extensive network of employees,
agents and distribution partners, Manulife offers
clients a diverse range of financial protection
products and wealth management services.
To find out more about Manulife, visit
www.manulife.com any time.
Manulife has been earning the trust of Canadians
for more than 120 years; we look forward to
earning yours.
Being ill or injured can be challenging enough
without worrying about being driven into debt.
If you develop a medical condition or serious
illness — or you get into a serious accident —
the resulting costs may be too much for your
existing health coverage to cover. How would you
pay for the prescription drugs that exceed the
amounts covered by your existing health plans?
Why get Flexcare with
Catastrophic coverage?
When you purchase it as an Add-On to
a Flexcare Core Plan, the prescription
drug costs claimed under your Core Plan
will count towards your Catastrophic
threshold ($4,500 or $10,200)*.
Take control of
your medical expenses
with Flexcare® and
Catastrophic coverage
That means your out-of-pocket annual
expenses could be as little as $222! †
Emergency back-up
For more information,
contact your advisor:
Catastrophic coverage picks up where your
existing health plans may leave off.
Here’s how:
You continue to cover your prescription drugs as
usual (through existing health plans or out of your
pocket); then your Catastrophic coverage helps
you cover the remainder of your prescription drug
bills once your expenses go above the threshold.
†
Based on the Flexcare ComboPlus Enhanced Core Plan with
Catastrophic coverage Add-On ($10,200 threshold).
Please note: Catastrophic Coverage can be purchased as an
Add-On to the Flexcare Core Plan. Not available to residents
of Quebec and persons age 65 and over.
*This threshold resets each year. Once the annual threshold is
met, prescription drug expenses are unlimited.
Prescription drug coverage
Unlimited 100% coverage for generic
and name brand prescription drugs
that starts when annual claims
exceed preset limits.
Flexcare Health and Dental Plans are offered and underwritten by
The Manufacturers Life Insurance Company (Manulife).
Manulife, the Block Design, the Four Cube Design, and Strong Reliable Trustworthy Forward-thinking are trademarks
of The Manufacturers Life Insurance Company and are used by it, and by its affiliates under licence. ™/®Trademarks
held by The Manufacturers Life Insurance Company. ©2016 The Manufacturers Life Insurance Company. All rights
reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8.
Accessible formats and communication supports are available upon
request. Visit Manulife.com/accessibility for more information.
AF1339E 08/2016
16.1022
The Manufacturers Life
Insurance Company
Why get health insurance?
Build your own plan
You insure your home, car and other valuable
possessions, so why would you hesitate to
insure the most valuable of all — your health
and your family’s health?
With the Flexcare Health and Dental Plan,
you can enjoy the flexibility of building
a plan that’s customized for your family.
With rising health care costs, you may
face financial hardships when paying out
of pocket.
Mix and match with varying levels of
coverage – and save by paying only for
what you really want and need.
Supplemental health insurance can help reduce
your out-of-pocket health care costs.
>
(Annual, excluding health insurance premiums)
$ 408
†
DENTAL VISIONPRACTITIONERS†
$350
$216
$153
Other than physicians, dental and vision care professionals.
With no supplemental health coverage, you
might have to pay for common expenses like:
n
prescription drugs
n
dental care
n
vision care
n
therapeutic services and more
If your spouse doesn’t have coverage at work,
your out-of-pocket medical expenses can grow,
especially if you have children.
Individual health insurance can be more
affordable than you think. Plus, if you’re selfemployed, you may be able to deduct the cost
of your health insurance premiums from your
business income.2
1
2
n
you’re self-employed with no employer
to provide group coverage
n
you’re on contract with no group benefits
n
you want to add to the group coverage you
have through work
n
your spouse has no (or very little)
coverage at work
Household health spending1
PRESCRIBED
DRUGS
It’s easy to find the combination that meets
your needs and budget!
Flexcare may be right
for you if:
Statistics Canada, Survey of Household Spending (2014)
Contact your financial advisor or the Canada Revenue Agency for details.
Why choose Flexcare®?
Mix and match coverage
With 7 Core Plans to choose from, you can
customize different levels of drug and/or
dental coverage — so you pay only for the type
and amount of coverage that suits your family.
All Core Plans include extended health
care, such as:
n
egistered specialists and therapists,
R
including chiropractor, chiropodist,
osteopath, naturopath, podiatrist,
massage therapist, acupuncturist,
speech pathologist/therapist,
psychologist, physiotherapist
n
omecare and nursing, prosthetic
H
appliances, durable medical equipment
n
Custom-made orthotics
n
Ambulance
n
Vision care
n
Travel emergency health coverage
n
And more!
Many combinations, 3 easy steps
Step 1
>
Choose a
core plan
Step 2
>
If you develop a medical condition
or serious illness — or you get into
a serious accident — the resulting
medical bills could get out of hand.
Consider this:
Customize
with Add-Ons*
Step 3
>
Why add Catastrophic coverage?
Apply
today
Please refer
to the general
Flexcare brochure
or guide for more
information.
T he average drug cost
for cancer care treatment
is $65,000.†
Flexcare Catastrophic coverage can
help with these costs.
Turn over to learn more g
†
* if you want added coverage in certain areas
n
Canadian Cancer Society & Canadian Cancer Action Network,
Financial hardship of cancer in Canada, November, 2012.