Manulife Group Benefits Insurance Reviews

Horrible experience and I wish my employer had other health insurance options. I work as a nurse and my plan has a 450$ limit per year for massage therapy but then when I submitted a claim for 110$, they decided to reimburse me only for 106$ after multiple submission and finally I had to call them for that. The reason was that’s what the company deems reasonable. I wish, I could determine how they charge but that’s beyond my control. There is no mention of that in their mobile app. And I know my other friends whose insurance doesn’t even require a note for a massage therapy in the same work sector. So much for transparency and quality

A year ago, I used to be under a group benefit with Manulife with another trucking company where I had prescriptions for my diabetes.
I worked for a different company, then after a year, I switched companies again. This new company had benefits with Manulife as well. But all of a sudden, Manulife needs confirmation from a Doctor that I have diabetes. They told me it was because it was a new account. I told him it's a new account, but it's the same profile I'm the same person that you covered last year. Not very smart. I wish more companies would drop Manulife because if they're not in the business of helping people and taking care of those who need medication, then close down your business. Because they really don't care about people. They're not willing to work with anyone. Also you leave a message, and they say they'll call you back tomorrow. But it's been 4 days, and they haven't called back, and I bet they don't plan on calling back either until I call back frustrated! This is unacceptable. They try and make things more difficult so that you won't put in any claims so they can keep their premiums. I urge everyone to approach your administrator to change to a different provider.

I have called Manulife 3 times today with a simple question, the first time I was told to call my Colleague info center and when I did they just transferred me back to Manulife. The second time the operator told me he was going to make some calls on my behalf, then I was transferred again to the CIC. Very unnerving to deal with. I should know better than trying to get any answers out of them. Very bad customer service.

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.

Our money is better spent elsewhere, they always made it difficult to file a claim. I avail full benefits but it seems like partial to none.

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.

No stars if I could. Agents barely speak English or French and do not want to pay when they should pay simple claims.

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.

My group benefits plan has an allowance for health care and an allowance for a health care spending account. Once I started submitting claims where the balance of the 80/20 spend was covered by the health care spending account they then started charging the entire balance to the spending account rather than actually covering any of the expenses themselves. This is frustrating because the balance of this account, if not used is transferred to the following year. I consider this theft. They would find garbage excuses to not remit the funds, requesting documents never requested before such as doctor's notes for massage therapy or physiotherapy or the like, and not accepting claims because the receipt is "registered counselor" vs. "guidance counselor". Needless to say, I will be encouraging my HR department to reconsider the use of Manulife in the future, this is a part of my compensation package and I am thoroughly unsatisfied.