Jane Dotson
Flexcare Insurance offers a range of health and dental plans for individuals and families. The three core plans are designed to provide flexible and dependable coverage, including prescription and dental coverage, vision, emergency travel coverage, visits with psychologists, and home nursing. With guaranteed acceptance options and no requirement to complete a medical questionnaire at the time of application, Flexcare offers a unique opportunity for those seeking health insurance. However, is it worth it? This article will explore the key features and benefits of Flexcare Insurance to help you decide if it's the right choice for your healthcare needs.
| Characteristics | Values |
|---|---|
| Provider | FlexCare, Manulife |
| Coverage | Dental, health, drug, vision, emergency travel, chiropractor, naturopath, osteopath, psychologist, home nursing, speech pathology, prosthetic appliances, hearing aids |
| Availability | 24/7/365, anywhere in the US |
| Network | Doctors licensed to practice in your state, US Board-Certified providers |
| Prescription | Doctors decide on the best treatment, electronically submitted to the pharmacy of your choice |
| Cost | Far less than traditional non-emergency medical care, 5% off first-year premiums, up to 10% off in following years |
| Perks | Rewards for healthy choices, flexible plans, no medical questionnaire required |
| Vehicles | Mopar FlexCare offers extended vehicle protection plans for FCA vehicles, including Fiat Chrysler Automobiles |
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What You'll Learn
Flexcare's health and dental insurance plans
Flexcare is a registered trademark of The Manufacturers Life Insurance Company. It offers flexible and affordable health and dental insurance plans that meet your needs and budget.
Flexcare is available to individuals and families and covers dental, health, drug, and vision benefits. It provides 24/7/365 access to a national network of U.S. Board-Certified providers who can resolve many issues via phone, mobile app, or secure video consultations.
Flexcare consists of three core health plans: DrugPlus™, DentalPlus™, and ComboPlus™ (drug and dental). Each of these plans offers varying levels of coverage, including Basic and Advanced options, with ComboPlus™ also offering a Starter plan that is guaranteed issue.
Supplemental health insurance through Flexcare can cover unforeseen expenses, including supplemental costs of surgeries, medical consultations, dental and vision appointments, and prescription drugs. Comprehensive plans cover a wide range of expenses, including prescription drugs, dental cleaning and orthodontics, hospital room coverage, vision care, and paramedical services.
Additionally, Flexcare members can take advantage of the TELUS Health Virtual Care benefit, which is included at no cost. This benefit allows members to submit claims online through Manulife's SecureServe portal. Members can also earn rewards and save on their premiums through the Manulife Vitality program by engaging in healthy activities and choices.
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Flexcare's affordability and flexibility
Flexcare is a health and dental insurance coverage option offered by Manulife. It provides flexible and affordable health and dental insurance that can be tailored to meet your and your family's needs and budget.
Flexcare offers three core plans: DrugPlus, DentalPlus, and ComboPlus. Each of these plans offers varying levels of coverage, including Basic and Advanced, with the latter providing more comprehensive coverage. For example, with Dental Basic, the plan will pay half of the first $1,150 in dental fees, while Dental Enhanced will cover 70% of the first $1,200. Similarly, DrugPlus Basic covers 70% of the first $750 in prescription drug costs, while DrugPlus Enhanced covers 90% of the first $2,222.
In addition to these core plans, Flexcare also includes optional add-on coverage. This includes coverage for visits to chiropractors, naturopaths, osteopaths, and vision centres. It also covers emergency travel, visits with psychologists, home nursing, speech pathology, prosthetic appliances, and hearing aids.
One advantage of Flexcare is that it does not require individuals to be in good health or under a certain age to apply. There are guaranteed acceptance options available that do not require completing a medical questionnaire at the time of application.
When considering the affordability of Flexcare, it is important to note that the cost of coverage will depend on various factors. These include the level of coverage, term limits, deductible, and vehicle details. Flexcare also offers the Manulife Vitality program, which allows individuals to earn rewards and save on their premiums by making healthy choices and completing activities such as exercising and health assessments. By selecting Manulife Vitality with your Flexcare plan, you can save up to 5% on your first-year premiums and up to 10% in subsequent years.
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The range of services covered by Flexcare
Flexcare is a health insurance plan that offers flexible, affordable health and dental insurance that meets your and your family's needs and budget. It provides members with 24/7/365 access to a national network of U.S. Board-Certified doctors and pediatricians via phone, video, text, or mobile app who can diagnose, treat, and prescribe medication when necessary.
FlexCare covers urgent dental issues and can assist with non-emergency medical issues. It is not intended to replace your primary care doctor for common or chronic conditions, but a virtual doctor's appointment can sometimes substitute a doctor's office, urgent care, or an emergency room visit.
FlexCare's providers are trained to treat a wide range of conditions, including acne, allergies, asthma, behavioral health, bronchitis, cold and flu, constipation, diarrhea, ear infection, fever, headache, insect bites, joint aches, nausea, rashes, sinus infections, sore throat, UTI, neck and back pain, and dental issues.
In addition to health and dental plans, FlexCare also offers TELUS Health Virtual Care, which is included at no cost for members. This benefit gives members access to insurance plus the opportunity to earn rewards and save on premiums by making healthy choices and completing health assessments online.
FlexCare does not dispense prescription drugs, but members can access low-cost or no-cost prescriptions at participating pharmacies, and ongoing prescriptions can be shipped directly to them.
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Access to services
The core plans cover vision, emergency travel, visits with psychologists, and home nursing. They also cover chiropractor visits, speech pathology, prosthetic appliances, and hearing aids. With Flexcare, there are guaranteed acceptance options available that do not require you to complete a medical questionnaire at the time of application. This means that regardless of your current health status or age, you can access these services.
Additionally, Flexcare includes visits to chiropractors, naturopaths, osteopaths, and vision centres. This means that even if you are interested in "alternative medicine," you retain that option with this healthcare plan.
For individuals or families who need dental, health, drug, and vision benefits, Flexcare offers a range of options. For example, with the Dental Basic plan, Flexcare will pay half of the first $1,150 in dental fees, while the Dental Enhanced plan will pay 70% of the first $1,200 in dental fees. Similarly, DrugPlus Basic covers 70% of the first $750 in prescription drug costs, while DrugPlus Enhanced will cover 90% of the first $2,222.
Flexcare also offers additional benefits such as the TELUS Health Virtual Care benefit, which is included at no cost for FlexCare members. This benefit provides access to healthcare services from the comfort of your own home.
Overall, Flexcare provides access to a wide range of services, with different plans catering to varying needs and budgets. It is worth considering your specific requirements and comparing them to the features offered by Flexcare to determine if it is the right choice for you.
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Prescription coverage
It is worth noting that Flexcare's prescription coverage is not comprehensive. While it covers a range of prescription drugs, there are certain medications that are excluded. For example, FlexCare doctors do not issue prescriptions for substances controlled by the DEA, non-therapeutic drugs, or certain other drugs with a high potential for abuse, such as some antidepressants. Additionally, FlexCare does not dispense prescription drugs directly; instead, prescriptions are submitted electronically or by phone to the pharmacy chosen by the patient.
Flexcare also offers optional add-ons that can enhance prescription coverage. The Catastrophic Coverage add-on increases the amount of prescription drug coverage, providing additional peace of mind for those with extensive medication needs. This add-on also covers homecare and durable medical equipment, which may be relevant for individuals requiring long-term care or managing chronic conditions.
When considering prescription coverage, it is important to evaluate your specific needs. Make a list of any regular prescriptions you require, including generic or brand-name medications. This will help you understand the potential costs covered by Flexcare's prescription plans and whether the Basic or Enhanced option aligns with your budget and health requirements. Additionally, keep in mind that Flexcare may be particularly beneficial if you are seeking coverage for "alternative medicine" practices, as their plans include coverage for visits to chiropractors, naturopaths, and osteopaths.
In summary, Flexcare's prescription coverage through DrugPlus™ plans can provide substantial savings on prescription drugs, especially with the Enhanced option. However, it is important to carefully review the medications covered and consult with an insurance advisor to ensure that your specific prescription needs are addressed adequately.
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Frequently asked questions
FlexCare Insurance is a registered trademark of The Manufacturers Life Insurance Company. It offers flexible, affordable health and dental insurance with seven different plans to choose from.
FlexCare Insurance has three core plans: DrugPlus, DentalPlus, and ComboPlus. Each of these plans offers varying levels of coverage, including prescription, dental, and vision benefits. The ComboPlus plan also includes emergency travel coverage, visits with psychologists, and home nursing.
FlexCare Insurance is worth considering if you are looking for flexible and affordable health and dental insurance. It offers a range of benefits, including coverage for alternative medicine practices such as chiropractic, naturopathy, and osteopathy. Additionally, with guaranteed acceptance options, you won't need to complete a medical questionnaire at the time of application.
The level of coverage you require will depend on your individual needs. For example, if you anticipate needing extensive dental work, you may benefit from a higher level of dental coverage. Similarly, if you require prescription medication, you may want to consider a plan with higher prescription drug coverage.
