Walkers and knee-walkers: maximum $250 every 3 years, lifetime maximum $1,000 (3 month waiting period).Casts, canes, and crutches: maximum $200 per year, lifetime maximum $1,500 (3 month waiting period).$65 maximum for first visit, $45 maximum per subsequent visits.Psychologists, psychotherapists, clinical counsellors, registered social workers, speech therapists Combined plan maximum of $500 per year (based on reasonable and customary charges).Amounts that exceed the Provincial Dental Association Suggested Fee Guide for General Practitioners in effect at the time the services are doneĪcupuncturists, athletic therapists, chiropractors, osteopaths, naturopaths, chiropodists, podiatrists, massage therapists, physiotherapists and dietitians.Charges that happen prior to the effective date.Extensive services including oral surgery, endodontics, periodontics and denture services.Examinations, cleaning, fillings, scaling, polishing, root planning, diagnostic, and other basic dental services.Scaling units limit to 4 units per benefit year, excludes fluoride.*Lifestyle drugs include prescription birth control drugs, glucose sensors, oral erectile dysfunction drugs, smoking cessation drugs and aids, medical marijuana, Intra Uterine Devices (IUDs) and diaphragms, anti-obesity drugs, vaccines.In order to be eligible for coverage under our plans, 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. It is not intended to be a replacement for the RAMQ Plan. In Quebec, prescription drug coverage available under our plans is limited to costs not covered by the RAMQ Prescription Drug Insurance Plan.Calendar year means 12-months in a row starting on January 1 and ending December 31. Benefit year means 12-months in a row following the date of the first claim for a specified benefit under the policy. Anniversary year means 12-months in a row following the effective date of the policy. All references to “year” refer to anniversary year, unless specified otherwise.Conditions, limitations, and exclusions apply. Actual terms and conditions are detailed in the policy issued by Manulife upon final application approval and payment of any required premium. Guaranteed Issue Enhanced Plan Important Notice Brand name drugs that have lower cost alternatives.Intra-uterine devices (IUDs) and diaphragms.

Medical marijuana (must use Manulife’s medical marijuana program).Smoking cessation drugs and aids, up to a lifetime maximum of $300.Oral, erectile dysfunction drugs (whether or not taken for erectile dysfunction purposes).Prescription birth control drugs (whether or not taken for birth control purposes).Included in the $2,500 annual maximum, $500 maximum in paid expenses per year for the following: $500 for Lifestyle* drugs (included in plan max).

Sun life personal health insurance