Manulife Group Benefits Insurance Reviews

We’ve been dealing with Manulife for about 12 years. I couldn’t hate them more. Occasionally a claim goes through without any issues, but it’s the exception. Every time I have to call Manulife it’s the same run around, they resubmit, and I never hear anything again. It takes multiple calls, and it often has to be resubmitted on their end more than once. I dread every single call I have to make, it’s like everything is automatically rubber-stamped no.

Every claim has been a battle since joining the new plan 8 months ago, culminating in them refusing an estimate for a partial plate, due to the teeth not being removed while under the plan! 2.5 months, and two letters to approve compression stockings!

Manulife is the most frustrating company I have ever had to deal with.
I asked before enrollment what are the eligible expenses under our PSA. I was told financial services was included. I called again to ask exactly what financial services were included. I was told X was included.
I submit a claim for X and it was denied. I call back 3 times and resubmitting things until I find out X is not covered but Y is. I submit a claim for Y. It also doesn't go through. I call to ask why.
The service rep tells me only dental services are covered. I said that doesn't make sense. I do some digging and it turns out Financial services was completely taken off. What's going on?
I pointed out it seems Manulife is playing around and changing things. She said they don't do that. Right.
Their services reps are clueless. Their claims department deny everything. There's no consistency. The website has no email contact option. While waiting for their call centre they can suddenly put me on a silent line that never gets picked up.
Stressful and absolutely terrible.

We don`t even get instant reimbursement for drugs, the system is a nightmare and they keep raising the cost on us, plus as truckers we have to pay the whole thing outright out of our pay cheque, the company isn't allowed to cover anything for us. we get nothing in terms of coverage and in fact they keep diminishing. And every time we put in a claim they mess something up and we end up owing them money. Its a scam. Stay away from Manulife. Although, judging by the reviews I've seen its looking like the industry as a whole is in terrible need of a clean up.

Keep denying dental claim because dentist in Ontario used Ontario dental codes. Employer in BC so will only accept BC codes. Got the BC codes from a dentist in BC and they still denied claim.
Canadians are free to live and work in different provinces, so this is a ridiculous and discriminatory policy.

1. Staff is not knowledgeable. Every time I've called the customer service person sounds annoyed that they had to answer the phone, have no clue what they're talking about.

2. Online claims take forever to process, previous providers have paid within 24 hours of submitting online claim, I have claims sitting for weeks before my measly 20% coverage is paid back to me.

3. Coverage is terrible at best, I know this has a lot to do with my employer as well, however it's unfortunate that a modern benefits provider would cater such terrible coverage.

Worst decision ever, for my Employer to switch to Manulife. Every claim takes a week, then, usually, denied even though it's a medical expense from my health spending account. That's MY spending account, not Manulife funds. I call, then wait another week for payment. Happens every time. I can't even access the balance on the app or website...I have to call Customer Service about that too. Ridiculous service and I know other employees are having the same poor experience. Will not purchase any other, personal, insurance through this company and, definitely, not deposit any spending account funds here again.

Manulife is our company's Group Plan - and for the most part, are pretty good at paying you for submitted claims, unless it is something for long-term treatment of an illness. They do not communicate with you, they rely on you looking up your statement via their website. You are not assigned a person you can directly contact. I do also have an outside company that is submitting paperwork on my behalf, and they as well do not have a direct person to speak with, and Manulife does not communicate with them either after submissions have been made.
I have an autoimmune disease, and Manulife somehow thinks it is okay to decide what is the best for my treatment, not my specialist.