Manulife strikes again !

Glad you had a good experience but Manulife has a horrible reputation. I had to fight for 6 months to get paid. They lied to the hospital and to me. Even a Dr. and a lawyer stated that their application questionnaire is impossible to answer correctly. There are many media stories about seniors being denied coverage for no apparent reasons. Do a Google!

I too also had Manulife but my experience was totally different. When I was admitted to the hospital, my DH called them and let them know and they requested that I give them a call as soon as I was able, we kept them informed about what was happening, filled out the forms that they requested and approximately three weeks after my emergency they called me and told me that my claim was approved. My three day visit to the YRMC cost me nothing! Personally I am very happy that I had them to insure me.

Well today on CBC they were talking about 2 of Canada's major banks also denying claims due to wrong answers on an application. It was CIBC and RBC! I might add that in the story I posted the Canadians went to a hospital in a jerk water town. Bullhead City. Arizona has some very bad medical facilities in the smaller communities. Totally unlike the great hospitals in Phoenix and Tucson!

Moisheh

I agree if you have an RV and can get home, do so before going to a hospital, unless you are dying. Manulife's name does seem to come up very often. Best to transit the US as quickly as possible.

I think there are a few messages in this story. Certainly the point is made how this insurance company operates. That operation may not be limited just to that agency.

What's the problem? The insurer approved "an emergency room visit." Lesson one; make sure every change along the way is approved? Lesson 1, The client did not get approval for services outside the emergency room?

Lessen 2, know that the cost or charge in American hospitals/health care is about 2000.00 an hour.(based on my trip 2 months ago) This from my own experience. If any any doubt about your insurance provider, get back to Canada if you can. Air fare is cheap by comparison and well worth a holiday interruption. (I have driven non stop to get out of the USA to avoid hospital lay-overs, and I had coverage)

I know hindsight is 20/20. It is hard, being so familiar with our system in Canada, to avoid health care when it is readily available in another country. One must underscore the unbelievable costs associated with putting your hand on the door to the emergency room and opening it.

It is an awful story to which I am sure happens all too often. Guess I'm just thinking out loud and reinforcing my own thoughts about when in poor health, run for the border.