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Extended health care eligible amount balance, check in online? (lemmy.ca)

submitted 4 weeks ago by thnvw@lemmy.ca to c/personalfinancecanada@lemmy.ca

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I am with Manulife for my extended health care, such as dental, vision, massage, etc.

I need to do a dental procedure with $450. To find the eligible amount, I logged in my Manulife account and I am surprised that I can't find a place to show the balance of my eligible amount.

I called Manulife. I was told the only ways to find it out are: 1) call Manulife; 2) do the calculations myself based on the total eligibility and how much has been spent.

I find this is strange. It's like online banking not showing the account balance. And the only ways to find out is either calling the bank or do our own bookkeeping.

Am I missing something? Am I having unreasonable expectations?

How about other extended health care insurance companies, such as sun life?

Can sunlife customers see the eligibility amount themselves?

Thank you all!

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[–] tleb@lemmy.ca 5 points 4 weeks ago (1 children)

Your dentist should be able to submit a claim estimate and you'll find out how much is covered before committing to the procedure. Cumbersome and stupid, yes

[–] thnvw@lemmy.ca 2 points 4 weeks ago* (last edited 4 weeks ago)

Thank you. I usually request my dentist to do that. And usually works, even though inefficient.

However, recently for my night guard, it has two procedures, codes are 14611 (night guard of $410) and 99111 (Lab fee of $209). Dentist submitted both the pre determinations to Manulife.

Manulife online pre determination only responded to 14611. When I called Manulife about 99111; I was told it's not possible to find out the eligible amount. I have to do the procedure first and submit the actual claim.

That's why I'd like to check it myself. I feel like I'm chasing an endless loop.

Ideas?

[–] cyborganism@lemmy.ca 3 points 4 weeks ago (1 children)

No. That's just how shitty it is. It's the same with Sunlife, Industrial Alliance, etc

[–] thnvw@lemmy.ca 3 points 4 weeks ago

Thank you very much for confirming. Oh, well, it's good for their call center employee job security.