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Why are some medicines not covered by insurance?

Your health insurance plan's Pharmacy & Therapeutics Committee might exclude a drug from its drug formulary a few common reasons: The health plan wants you to use a different drug in that same therapeutic class. The drug is available over-the-counter. The drug hasn't been approved by the U.S. FDA or is experimental.

What are the benefits of Manulife?

Personal Benefits from Manulife includes our Personal Life Insurance and Personal Critical Illness Insurance products. These products offer protection beyond the basic insurance available through your plan. You can offer one or both to your members \u2013 the choice is up to you!

How long do I have to submit a claim with Manulife?

Within 12 months of the date you were charged. After you've paid more than any deductible in your plan. Specify the currency if your claim is for services outside Canada. Include receipts and applicable supporting documentation.

What is the list of drugs covered by insurance called?

A list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Also called a drug list.

How do I submit a quote to Manulife?

You can ask your medical service or equipment provider to provide you with a cost estimate. You can then send it in for us to review. To send your estimate to us online, go to the plan member site for your group benefits, sign in and attach a copy of your estimate.

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