Manulife specializes in creating simple processes to allow clients to submit claims through various avenues with ease. This guide will walk you through the steps for submitting your claims through those avenues and their specific requirements.
Not all products, treatments, and services will have coverage through this provider, so if you are unsure, speak with your plan administrator or check your plan benefits booklet.
You can submit your claim to Manulife in several ways:
To send a claim through Manulife’s online portal, you will need your plan contract number and member certificate number, which you can find on your group member benefits card or claims statement. Use this information, plus your personal details, to register your account and create a password.
Once you complete the registration, you can proceed with filing a Manulife claim online by following these steps:
You can submit online Manulife claims for group disability plans by selecting “Submit a Claim” from your online account. The portal will prompt you to provide additional information to support the claim, including:
Not all Manulife claims online can be submitted online. Online submission is only allowable if:
The quickest way to receive payment for claims is by filing through the online portal and signing up for a direct deposit. Manulife is moving toward a fully digital experience for group members. You will have the opportunity to add your email and banking information to your account when registering for the plan member site.
You can also sign up for this service by:
By choosing to use the direct deposit option, the claims department will put the money directly into your account for immediate use, whereas your bank may hold cheque funds for up to five business days. Manulife maintains web security measures to protect your privacy and will only deposit, not take money from your account.
In some cases, your health care or dental care provider may submit an insurance claim to Manulife on your behalf through Provider eClaims.
You may inquire about your provider’s ability to submit a claim as well as verify your coverage to them by providing your doctor with your insurance identification card. With this feature, you may only be responsible for paying the out-of-pocket amount that your group plan doesn’t cover, but only if your plan has the Provider eClaims feature.
If the health care provider cannot file the claim, you must fill out and turn in a paper Group Benefits Extended Health Care Claim form for medical services or a paper Group Benefits Dental Claim form for dental work.
You can find printable-to-paper forms on the Manulife website under the “ Find a Form “ tab. For group benefits for individuals, you will have two options:
Both forms contain two pages. If submitting either of these forms, you must carefully fill in all required information and sign at the bottom of the second document.
Several sections of both documents have specific requirements for supporting documentation to facilitate the approval of the claim.
For instance, on the Extended Health Care Claim form, Section 6 under Prescription Drug Expenses requires the group member to submit receipts for the drug, including its drug identification number (DIN) and the medication name. When filing paper Manulife claims, be sure to include all necessary documentation and mail it to the address at the bottom of the form.
Manulife recently launched a mobile app for Android devices. The app’s design allows group members to do everything from looking up information about medication to finding health care providers in their area. Members can also use the app to submit and review claims and payment information conveniently.
To use the Manulife app to file a claim:
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Group members may use Manulife coverage to supplement other health care plans, including provincial and private health care options . The term for this practice is “coordination of benefits.”
Suppose you need to file a claim after another insurance provider paid for some of your medical or dental costs. In that case, you must send Manulife a statement with details about the monies the other provider paid.
Your provincial health plan may pay for some expenses, and you can ask your doctor if their services are covered in part by that health plan.
If you receive a claim rejection from your provincial plan provider, you’ll need to send Manulife a statement explaining their decision. If you choose not to submit a claim to your regional provider, but it may cover some costs, you should send Manulife a note to explain why.
Manulife may need additional information about your medical services when you turn in your claim. Information may include, but is not limited to, clear pictures with relevant details, receipts, x-rays, and forms.
Necessary details for claim approval depend on the type of claim you submit. You can learn about the most common health plan claims and their specific requirements below.
If you took an ambulance, you can submit a claim to Manulife and include:
Manulife does cover hearing aids. To file a claim for them, you will need:
To file a claim for a medical, lab, and diagnostic test, Manulife requires:
Referrals from a medical professional are necessary to file a claim for medical equipment. The referral should include:
You will also need to submit a note explaining whether you’re buying the equipment for the first time, and if not, why you must replace your original model, set, or tools. For medical equipment replacements, you should also include the equipment’s age.
Additional information for medical equipment claims required:
To file a claim for this service, you need:
Insulin pump supplies are medical equipment, and Manulife will only cover expenses that exceed your provincial grant amount.
To file your claim, you will need:
Manulife requests estimates for private duty nurses before any group plan member pays for the service. To submit a claim for this nursing, you will need to include:
If you require medical services when you’re out of your province or out of Canada, you should first send your claim to your regional office. They may cover most of your products and services. Afterward, you can send Manulife copies of your receipts and a statement showing what your provincial plan covered.
When you submit your claim, be sure to include:
You can check your online Manulife account to see if the provider has received and processed your claim. The most recent submissions are usually on the portal’s homepage. To view your submitted claims:
If you need to find a specific claim:
All completed claims will show up on the secure group plan portal. You will not see any claims that are still processing on the homepage or under the search results.
It typically takes five business days to process a claim. Group members with direct deposit can expect payment into their bank accounts within one to two business days. Standard mailing times are applicable for paper cheques.
Unfortunately, Manulife doesn’t cover claims from every health care provider. Before seeking medical or dental services, ask your doctor or medical professional if Manulife covers their services and treatments. You can also find an approved provider by:
You should also consider your claim’s coverage for costly procedures and equipment before spending money on them. Before you receive medical services or equipment, you can inquire about your potential claim by sending a cost estimate to Manulife online. A representative can evaluate it and determine if your plan will cover the request.
To send an estimate, visit your group benefits site and sign in. It is best to send estimates in the following situations:
If you’re considering changing your policy type at Manulife—or switching insurance providers altogether—we’re here to help. At Group Enroll, we aim to be your one-stop-shop for finding the best coverage at the lowest possible rate. Compare your options today.
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