Alumni Health & Dental Insurance

Get guaranteed
acceptance.
Within 90-days of your work
coverage ending.*
Get a quote
Keep smiling through
life's ups and downs.
Get a quote
Stay balanced through
life's ups and downs.
Get a quote
Find clarity through life's ups and downs.
Get a quote

Are you losing the health insurance plan you've enjoyed through your job? Whether you're changing jobs or retiring, FollowMe™ Health has you covered. Apply at any age and enjoy coverage for as long as you need. Plus, your coverage is guaranteed with no medical questions if you apply and pay your first premium within 90 days of your employee benefits ending.*

Doesn’t sound like the right plan for you? Check out your ​ Alumni Health and Dental Insurance plan options.

Enjoy coverage for:
  • Prescription drugs
  • Vision care
  • Dental care
  • Massage therapy
  • Homecare

Try your FollowMe™ Health and Dental quote calculator

Quote calculator

Find the plan that’s right for you.

Residents of Quebec cannot apply for coverage online. To apply, please call 1-866-842-5757 or email am_info@manulife.com and a licenced insurance advisor will contact you.

Premiums displayed are monthly.

Basic Plan

Essential coverage.
All the basics of health care coverage, with slightly lower coverage amounts than our other plans.

$00.00

Enhanced Plan

Generous coverage.
All the basics of health care coverage, with higher allowances than the Basic Plan in many cases – including increased prescription drug coverage.

$00.00

Enhanced Plus Plan

Comprehensive coverage.
Includes coverage you won't find in the Basic or Enhanced Plans, such as dental coverage.

$00.00

Premiere Plan

Top coverage.
All the coverage you'll find in our other plans – with increased coverage amounts for dental, vision, and more, helping to put more money back in your pocket.

$00.00
Want to save this quote?
Email it to yourself!
Your email address will only be used for the purpose of sending you your quote.

Ready to apply?

Choose your school now
Apply
Arrow Icon View full coverage details
Arrow Icon Download application

Plan Details

What’s covered

If you’re a Canadian citizen, you have access to a government health plan. But that may not cover everything – and health care costs are on the rise.

With Manulife’s FollowMe™ Health Insurance plans, you can save on many of the costs that may not be covered by your government health plan.
Choose from four affordable insurance plans to save on these costs and more:

  • Prescription drugs
  • Vision care
  • Physiotherapy
  • Travel medical
  • Dental care
  • Hearing aids
  • Massage therapy
  • Homecare
What's excluded

Limitations and Exclusions

In addition to any other exclusions set out in the policy that you receive, FollowMe™ Health Plans cannot pay benefits for:

  1. charges resulting from self-inflicted injury while sane or insane;
  2. charges that are eligible for payment by a government health insurance plan or reimbursement by a manufacturer rebate program;
  3. charges for care, services or supplies that are for cosmetic purposes, except when in connection with reconstructive surgery to repair or replace tissue damaged by disease or bodily injury;
  4. charges for drugs, tests, services, treatment or supplies that are not medically necessary, or which are experimental as determined by the insurer;
  5. charges that are deemed excessive by Manulife, relative to the usual, reasonable and customary charges in your area of residence;
  6. charges for hospitalization if the person is confined in a hospital on the effective date, except when the confinement is due to an emergency occurring after the application date;
  7. charges for services, equipment and supplies provided in a chronic care or psychiatric hospital or institution, chronic care unit of a hospital, psychiatric unit of a hospital or when a patient is confined to a long-term care facility or a transition ward of an acute hospital;
  8. charges incurred for which payment under this plan is illegal;
  9. charges for duplicate or replacement prosthetic appliances, devices or durable medical equipment, except where replacement is required because the existing item can no longer be made serviceable due to normal wear, or as a result of a change in the patient’s condition that makes a replacement necessary;
  10. charges for eligible services provided outside your province or territory of residence, if they are more than Manulife would have paid for such services if they were provided in the province or territory of residence, determined as of the date the last service was provided outside the province or territory of residence;
  11. charges resulting from care, services or supplies due to sickness or injury resulting from war, invasion, acts of foreign enemies, hostilities, warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, hijacking, any act of terrorism or any action taken in controlling, preventing or suppressing any of the foregoing, including claims which are as a result of or in any way connected or associated with such events or causes and regardless of any other cause or event contributing concurrently or in any other sequence thereto. For the purpose of this exclusion, "act of terrorism" means an act including, but not limited to, the use of force or violence and/or the threat thereof, by any person or groups of persons, whether acting alone or on behalf of or in connection with any organization or government, committed for political, religious, ideological, or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear, or an act that has been determined by the appropriate federal authority to have been an act of terrorism;
  12. charges or benefits, in full or in part, that are removed from government coverage after the effective date of this plan;
  13. charges for drugs, medicines, services or supplies that have been self-prescribed, or prescribed by or for family members;
  14. charges resulting from medical conditions or ailments that were deemed to be excluded in the counter-offer letter you signed and accepted, if you were asked to sign one;
  15. charges for hospitalization due to pregnancy or pregnancy-related conditions, if on the application date of the policy, the policyholder is twenty-one (21) weeks pregnant or greater. However, benefits are payable if the policyholder is less than twenty-one (21) weeks pregnant on the application date, in which case Manulife will cover a maximum of two (2) days of hospitalization if hospitalization is a result of the pregnancy or complication of the pregnancy.
Eligibility

You are eligible to apply if:

  • You are an alumni member or their spouse
  • You are a Canadian resident
  • You are enrolled in a government health plan

Quebec residents only: Residents of Quebec must be registered under the RAMQ Prescription Drug Insurance Plan or enrolled under a group plan. This policy will top up the basic drug plan coverage mandated by Quebec’s health insurance.

Note: Residents of Quebec can no longer apply for coverage online. To apply, please call a licensed insurance advisor at the number below
1-866-842-5757

All those insured under your policy must maintain the same coverage.

You might also be interested in...

Walk more and live longer!

Walking could be your ticket to adding 15 years to your life...
Read more

Tooth or consequences

Skipping the dentist’s office could land you in the doctor’s office...
Read more

Five habits for a healthier life

Improve your odds of living longer by embracing these healthy habits...
Read more

Alumni Term Life Insurance

Want protection for
life's ups & downs?

Start your personalized quote with the Alumni Term Life Calculator.

Learn more
Where will better take youTM
Basic Enhanced Enhanced Plus Premiere
Dental Services
Covers dental services, paid at a percentage of the current Dental Association Fee Schedule in your province of residence. (Note: If applicable, dental coverage begins at the age when your government health insurance plan coverage ends.)
Coinsurance on exams, cleanings, fillings, scaling, polishing, root planning, diagnostic, select extractions and other basic dental services. Not covered Not covered 80% 80%
Coinsurance on extensive services including oral surgery, endodontics, periodontics and denture services Not covered Not covered 80% 80%
Coinsurance on crowns, bridges, dentures and orthodontics Not covered Not covered Not covered 60% commencing in Year 2
Anniversary year maximums n/a n/a Year 1 $700;
Year 2 $850;
Year 3+ $1,000 		Year 1 $800;
Year 2 $1,000;
Year 3+ $1,500
Recall visits n/a n/a 9 months 9 months
Prescription Drugs
Coverage Generic3 Generic or Brand-name3 Generic or Brand-name3 Generic or Brand-name3
Maximum dispensing fee (not applicable in Quebec) $5.00 $6.50 $6.50 $8
Coinsurance 80% 80% 80% 80%
Annual maximums1,2 $500 $1,500 $1,500 $2,800
Diabetic supplies (test strips, syringes, and lancets) Covered Covered Covered Covered
Vision Care
Covers the costs towards prescription lenses and frames, contact lenses, laser eye surgery, and routine eye exams.
This benefit is only available where optometrist visits are not covered or partially covered by a government health insurance plan. 		$150 per 2 benefit years
$60 per 2 benefit years for routine eye exams 		$200 per 2 benefit years
$60 per 2 benefit years for routine eye exams 		$200 per 2 benefit years
$60 per 2 benefit years for routine eye exams 		$300 per 2 benefit years
$60 per 2 benefit years for routine eye exams
Hospital Benefits
Preferred hospital accommodation in excess of the standard ward room rate made by a general (acute care) hospital.
Type of accommodation Semi-Private Room Semi-Private Room Semi-Private Room Semi-Private
Room/Private Room
Maximum charge per day  $175 $175 $175 $200
Reimbursement per anniversary year 50% for 150 days 100% first 60 days; 50% next 90 days 100% first 60 days; 50% next 90 days 100% first 100 days; 60% next 90 days
Extended Health Care Benefits
Registered Specialists and Therapists
Registered specialists and therapists include acupuncturists, chiropodists, chiropractors, dietitians, massage therapists, naturopaths, osteopaths, physiotherapists, and podiatrists. Covers charges up to the amount between what your government health insurance plan covers and/or what is reasonable and customary.
Reimbursement per anniversary year 80% up to $400 for all practitioners combined $600 per year for all practitioners combined $600 per year for all practitioners combined $650 per year for all practitioners combined
Mental Health and Therapy
Psychologists, psychotherapists, clinical counsellors, registered social workers and speech therapists.
Maximum for initial/subsequent Visits $65 $65 $65 $65
Combined maximum visits per year 10 10 10 10
Homecare, Prosthetics and Medical Equipment and Supplies
CPAP, APAP machines and supplies $500 per 5 years, combined $500 per 5 years, combined $500 per 5 years, combined $500 per 5 years, combined
Hospital beds $500 per lifetime $750 per lifetime $750 per lifetime $1,500 per lifetime
Oxygen and equipment, respirator/ventilator $500 per year, combined $750 per year, combined $750 per year, combined $1,000 per year, combined
Medical aids (crutches, canes, walkers) $100 per year, combined $150 per year, combined $150 per year, combined $250 per year, combined
Wheelchairs $500 per 5 years
$5,000 lifetime maximum 		$1,000 per 5 years
$5,000 lifetime maximum 		$1,000 per 5 years
$5,000 lifetime maximum 		$1,250 per 5 years
Medical supplies (aerochamber, colostomy, urinary catheters and kits, bandages and traction kits) $500 per year, combined $1,000 per year, combined $1,000 per year, combined $1,250 per year, combined
Prosthesis (ankles, arms, breasts, ears, eyes, feet, fingers, hands, legs, limbs, lenses, toes) $1,000 per year, combined $1,500 per year, combined $1,500 per year, combined $2,500 per year, combined
Medical aids (braces, casts, cervical collars, splints, truss, stump socks/stump sheaths) $250 per year, combined  $500 per year, combined  $500 per year, combined  $750 per year, combined
Surgical stockings/surgical brassieres $250 per benefit year, combined $250 per benefit year, combined $250 per benefit year, combined $250 per benefit year, combined
Wigs $100, one per lifetime $150, one per lifetime $150, one per lifetime $250, one per lifetime
Personal support worker $500 per year $750 per year  $750 per year  $1,000 per year 
Registered nurse (R.N.), registered practical nurse (R.P.N.),and Licensed Practical Nurses (L.P.N.) $1,000 combined per year $2,000 combined per year $2,000 combined per year $3,000 combined per year
Custom-Made Orthotics
Covers charges for the purchase of custom-made orthotics (plaster cast or computer tomography). Maximum of $250 per year Maximum of $250 per year Maximum of $250 per year Maximum of $250 per year
Accidental Dental
Covers dental treatment required as a result of an accidental blow to the head or mouth. Treatment must be sought within the 90-day period following the accident. Maximum of $2,000 per year Maximum of $2,500 per year Maximum of $2,500 per year Maximum of $10,000 per year
Hearing Aids
Covers the costs to purchase and/or repair up to the allowed maximum. $300 per 5 benefit years $400 per 5 benefit years $400 per 5 benefit years $600 per 5 benefit years
Ambulance Services
Covers trips to hospital in a licensed ambulance in your home province/territory of residence. Covers charges up to the amount between what your government health insurance plan covers and what is reasonable and customary. Unlimited Unlimited Unlimited Unlimited
TELUS Health Virtual Care4
Access to 24/7 on-demand virtual medical consultations with health care professionals and clinicians at no additional cost. Included Included Included Included
Other Benefits
Fracture Benefit
Pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture. Not covered Up to $350 Up to $350 Up to $500
Accidental Death and Dismemberment
Payments for accidental death or dismemberment directly resulting from an accident, occurring within one year of the date of the accident. Up to $10,000 for adults
Up to $5,000 for children and persons aged 65 years or over 		Up to $25,000 for adults
Up to $10,000 for children and persons aged 65 years or over 		Up to $25,000 for adults
Up to $10,000 for children and persons aged 65 years or over 		Up to $50,000 for adults
Up to $15,000 for children and persons aged 65 years or over
Survivor Benefit
Provides for continuous coverage for one year following the death of an adult insured. Included Included Included Included
Additional features
Diagnostic Services (Quebec only)
Please note: Extended health care benefits are payable only after government health insurance plan maximums have been reached, as applicable.
Audiologist $500 maximum per year $500 maximum per year $500 maximum per year $500 maximum per year
Magnetic Resonance Imaging $500 maximum per year $500 maximum per year $500 maximum per year $500 maximum per year
Computerized Axial Tomography (CAT) Scans $200 maximum per year $200 maximum per year $200 maximum per year $200 maximum per year
Ultrasound Scans $50 maximum per year $50 maximum per year $50 maximum per year $50 maximum per year
PSA Test $75 maximum per year $75 maximum per year $75 maximum per year $75 maximum per year
CA 125 Test $75 maximum per year $75 maximum per year $75 maximum per year $75 maximum per year
Laboratory Tests*
*Blood tests, urine tests, throat cultures 		$100 maximum per category per year $100 maximum per category per year $100 maximum per category per year $100 maximum per category per year
Premiums displayed are monthly. $ 00.00 $ 00.00 $ 00.00 $ 00.00
Ready to apply?
Choose your school now.
Apply
Want to save this quote?
Email it to yourself!

1 Maximums displayed are the maximum amounts payable per year.
2 Prescription drug coverage in the provinces of British Columbia, Saskatchewan and Quebec is based on calendar year.
3 The prescription drug coverage available under this plan is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan. It is not intended to be a replacement for the RAMQ Plan. In order to be eligible for coverage under this plan, you must have a provincial health card and be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
4 Manulife cannot guarantee the availability of this benefit indefinitely.

Anniversary year means the 12 consecutive months following the effective date of the agreement, and each 12-month period thereafter. Benefit year means the 12 consecutive months following the incurred date of the claim. Calendar year means each successive 12-month period commencing January1 and ending December 31. All references to “year” refer to anniversary year unless otherwise indicated.

FollowMe™ Health plans are not intended to provide and will not provide the exact same coverage that you may have had under your group or existing health insurance plan.
In the event of any discrepancy between this chart and the FollowMe Health Policy (including Your Benefits), the FollowMe Health Policy shall govern.

Which plan is right for you?
Help us find the right plan for you by answering
these 3 quick questions.
How important is it for you to have dental coverage?
How often do you visit registered specialists or therapists (e.g., physiotherapists, chiropractors)?
How often do you require prescription drugs?
Based on your needs, we recommend the
FAQs
What is health insurance?

Health insurance covers vision, dental and medical expenses you may incur. Canadian residents have access to coverage for basic medical services through their government health plan. Supplemental health insurance plans cover expenses your government plan may not. For example, Ontario Health Insurance Plan (OHIP) does not cover eyeglasses but FollowMe™ Health and Alumni Health and Dental Insurance plans do.

I have other financial priorities. Why should Health and Dental coverage be one of them?

Without health and dental coverage, routine and unexpected health and dental expenses can be very costly. If you have a serious illness or injury, you can be especially vulnerable because government health insurance plans offer limited coverage for expenses. Health and dental coverage is an affordable way to protect your savings.

How long do I have to make a health and dental insurance claim?

You have 12 months from the date you were charged for a health and dental service to submit your claim for reimbursement.

What are some reasons you may not pay a claim?

Costs submitted after 12 months
To consider a health and dental claim, we must receive all the information we need within 12 months of the date you paid for the expenses you're claiming.

Costs that aren't medically necessary
Health claims must be deemed medically necessary under the terms of your plan Preventative dental services aren’t usually medically necessary, however, they are allowable if your plan covers them.

Costs associated with excluded conditions
Some plans require the completion of a medical questionnaire and therefore specific health conditions could be excluded. There is no coverage for any treatments – including but not limited to medications – that relate to an excluded condition under such plans. Your health care provider must explain if a treatment that can be used for an excluded condition is being used to treat an unrelated condition. Include this explanation when you submit your claim.

How do you define "pre-existing condition"?

A "pre-existing condition" means any condition that existed prior to your effective date.
Pre-Existing Condition means any disease or physical condition, whether diagnosed or not, for which symptoms occurred or medical treatment was sought, recommended, required, or obtained, from or by a Physician (medical treatment including any medical advice, consultation, care, diagnosis, treatment or service provided by a Physician), or for which drugs were prescribed by a Physician or taken by an Insured Person, during the 24-month period immediately preceding the Effective Date of Coverage.

Do your health and dental plans cover pre-existing conditions and current medications?

Our FollowMe™ Health and Dental plans that offer guaranteed acceptance for people whose group benefits are ending, cover eligible pre-existing conditions and eligible current medications. Refer to your policy for more details.

What if I change my mind after applying for coverage?

Once you receive your Policy, examine it carefully. If you are not satisfied, simply return your Policy to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full – no questions asked!

When will my coverage begin?

Your coverage generally starts on the 1st of the following month for health and dental plans that offer guaranteed acceptance, and the 1st of the month after your plan is approved for health and dental plans that require a medical questionnaire.

Your quote has been sent.
Thank you.