-- Manulife Financial FollowMe Plans --
Premiere Enhanced Plus Enhanced Basic
Extended Health Care        
Lifetime Maximum $300,000 $200,000 $200,000 $100,000
Percentage Paid refer to each practice max
Medically Underwritten No medical required No medical required No medical required No medical required
Home Care and Nursing Services $2,500 per year Year 1: $750;
Year 2: $1,250;
Year 3 +: $2,500		 Year 1: $750;
Year 2: $1,250;   
Year 3 +: $2,500		 Year 1: $500;   
Year 2: $750;   
Year 3 +: $1,250
Orthotics and Durable Medical Equipment $2,500 per year including $225 for orthotics only. Orthotics only max $225 per year.                        
Year 1: $750;
Year 2: $1,250;                   
Year 3 +: $2,500		 Orthotics only max $225 per year.                            
Year 1: $750;
Year 2: $1,250;
Year 3 +: $2,500		 Orthotics only max $225 per year.                            
Year 1: $500;  
Year 2: $750;  
Year 3 +: $1,250
Prosthetic Appliances $2,500 per year Year 1: $750;
Year 2: $1,250;
Year 3 +: $2,500		 Year 1: $750;
Year 2: $1,250;
Year 3 +: $2,500		 Year 1: $500;
Year 2: $750;
Year 3 +: $1,250
Hearing Aids $500 every 4 years $300 every 5 benefit years $300 every 5 benefit years $200 every 5 years
Accidental Dental $3,000 per year $2,500 per year $2,500 per year $2,000 per year
Fracture Benefit Max of $500 Max of $350 Max of $350 Not covered
Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Acupuncturist, Massage Therapist Combined max of $600 per year Combined max of $600 per year Combined max of $600 per year $15 max per visit, 20 visits per year
Psychologist Visit 1: $75 max; Visit 2+: $60 max; 12 visits per year Visit 1: $75 max; Visit 2+: $60 max; 10 visits per year Visit 1: $75 max; Visit 2+: $60 max; 10 visits per year Visit 1: $75 max; Visit 2+: $60 max; 10 visits per year
Physiotherapist Included in combined max Included in combined max Included in combined max $15 max per visit, 20 visits per year
Speech Pathologist/Therapist Visit 1: $60 max;
Visit 2+: $40 max;
10 visits per year		 Visit 1: $60 max;
Visit 2+: $40 max;
10 visits per year		 Visit 1: $60 max;
Visit 2+: $40 max;
10 visits per year		 Visit 1: $60 max;
Visit 2+: $40 max;
10 visits per year
Ground and air ambulance Ground: unlimited;
Air: $4,000 per year		 Ground: unlimited;
Air: $4,000 per year		 Ground: unlimited;
Air: $4,000 per year		 Ground: unlimited;
Air: $4,000 per year
Best Doctors Yes Yes Yes Yes
Survivor Benefit One year coverage One year coverage One year coverage One year coverage
Lifeline Personal Response Service lifetime max of 6 months lifetime max of 6 months lifetime max of 6 months lifetime max of 6 months
Accidental Death & Dismemberment Adult: $50,000; Over 65/Child: $15,000 Adult: $25,000; Over 65/Child: $10,000 Adult: $25,000; Over 65/Child: $10,000 Adult: $10,000; Over 65/Child: $5,000
Prescription Drugs        
Percentage Paid 80% 80% 80% 80%
Annual Maximum $1,600 $800 $800 $400
Generic vs. Brand-name Generic Generic Generic Generic
Maximum dispensing fee payable Covered Covered Covered Covered
Oral Contraceptive Not covered Not covered Not covered Not covered
Birth Control and Fertility Drugs Not covered Not covered Not covered Not covered
Pay direct card YES YES YES YES
Vision Care        
Maximum paid $250 every 2 years $200 every 2 years $200 every 2 years $150 every 2 years
Waiting period None None None None
Eye exams $50 per 2 yrs $50 per 2 yrs $50 per 2 yrs $50 per 2yrs
Amount paid for laser vision correction As per max As per max As per max As per max
Hospital Benefits        
Accute care room type Semi-private or Private Semi-private Semi-private Semi-private
Percentage paid for accute care room 100% for the first 100 days, 60% for the next 90 days, to a max of $200/day 100% for the first 60 days, 50% for the next 90 days, to a max of $175/day 100% for the first 60 days, 50% for the next 90 days, to a max of $175/day 50% for up to 150 days, to a max of $175/day
Daily Cash for ward stays $50 per day, to a max of $5,000 per year $50 per day, to a max of $3,000 per year $50 per day, to a max of $3,000 per year $25 per day, to a max of $1,500 per year
Travel Coverage        
Maximum $ Not covered
maximum trip length
24-hour assistance
Basic Dental - Fillings, cleanings, scalings, examinations, polishing, and extractions YES YES Not covered Not covered
Percentage paid 80% 80%
Maximum in 1st year $800 $700
Maximum in subsequent years Year 2: $1,000;
Year 3 +: $1,500		 Year 2: $850;
Year 3 +: $1,000
Frequency of check-ups 6 months 9 months
Oral surgery, periodontics and endodontics Covered Covered
Major Dental - percentage paid 60% Not covered
Orthodontics, Crowns and Bridges, and Dentures YES
Waiting Period 2 years
Annual Maximum As per max