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Experience the protection of Health & Dental Insurance with a range of different coverage options. Help cover the costs of medical expenses that may not be covered by yourgovernment health insurance plan with Health & Dental Insurance for Costcomembers.
You’ll pay affordable members-only rates, and start saving on purchases covered by the plan. Plus, Executive members save up to 5% on rates!
You get all these features and benefits at no extra cost:
- Keep this coverage for life, regardless of whether your health changes after you become insured, as long as your premiums are paid.
- The Survivor Benefit maintains your spouse’s and children’s coverage premium-free for one year following your death.
- Get more when you purchase at Costco Wholesale. Increases are made to maximum benefit payable amounts when prescriptions are filled at the Costco Optical Centre or the Costco Hearing Aid Centre.
For an overview of all the plan benefits, download the Plan Comparison Chart.
Plan details
Help cover the costs of medical expenses that may not be covered by your government health insurance plan with Health & Dental Insurance for Costco members. Many common health care expenses may not be fully covered by yourgovernment health insurance plan, such as:
- Prescription drugs
- Glasses and contact lenses
- Hearing aids
- Registered specialists and therapists
- Homecare and nursing
Health & Dental Insurance allows you to save money on health care costs that may not be covered by your government health care, such as dental care, hearing aids, physiotherapy and more.
- You can keep this coverage for life, regardless of whether your health changes after you become insured, as long as your premiums are paid.
- The Survivor Benefit maintains your spouse’s and children’s coverage premium-free for one year following your death.
- TELUS Health Virtual Careprovides unlimited 24/7 text and chat with doctors and nurse practitioners.1
- Self-employed or a small business owner? If so, you can enjoy tax savings. A portion of your premiums may be deductible.2
Plus, you get more when you purchase at Costco Wholesale.
Increases are made to maximum benefit payable amounts when prescriptions are filled at the Costco Optical Centre or the Costco Hearing Aid Centre.
You qualify for Health & Dental Insurance for Costco members if:
- You are a Costco member.
- You are 18 or older.
- You are a Canadian resident.
- You have a valid government health insurance plan.
- If you are a Quebec resident, you must also be registered under the RAMQ Prescription Drug Insurance Plan.
Pre-Existing Conditions
The insurer will not pay any Emergency Travel Medical Care Benefits for any claims relating directly or indirectly to a pre-existing condition that is not stable within the nine-month period immediately preceding the date of departure from the insured’s province/territory of residence. This means any condition, injury, illness, disease or related complication in relation to which:
- An insured has had new symptoms, or existing symptoms have become more frequent or more severe, or there has been a test result showing deterioration;
- A physician (or other medical professional) has prescribed or recommended a change in medication (the medication dosage or frequency has been reduced, increased, or stopped, and/or new medication has been prescribed) taken for that condition;
- A physician (or other medical professional) has prescribed or recommended a change in treatment for that condition; or
- There has been an admission to a hospital and/or results are awaited for further investigation for that condition during such nine-month period. This exclusion does not apply to minor ailments or a change in medication where the active ingredient and strength remain the same (i.e., generic).
Frequently asked questions
Once you receive your Policy, examine it carefully. If you are not satisfied, simply return your Policy to Manulife within 30 days and request that your coverage be cancelled. Your premiums will be refunded in full – no questions asked!
Your coverage generally starts on the 1st of the following month for health and dental plans that offer guaranteed acceptance, and the 1st of the month after your plan is approved for health and dental plans that require a medical questionnaire.
If your payment method of choice is either by credit card or Pre-Authorized Debit (PAD), and the credit card or account number shown on your Premium Notice is correct, you don't need to do anything. We will charge your premium payment to your account in the month in which your premium is due, and apply it to your coverage. If your Payment Method is by cheque, send a cheque for the full amount to us by the Anniversary Due Date. Your Premium Notice will include details of how you can pay.
You can upgrade by phone by calling one of our Licensed Insurance Advisors at 1-866-707-4922 from Monday to Friday 8am – 8pm ET.
You can change your Payment Method on-line. We have made it easy for you to pay your premiums by cheque, credit card, or directly from your chequing account by Pre-Authorized Debit (PAD).
You can change your address on-line at any time by completing our Address Change form.
If you ever wish to cancel your coverage, all you have to do is mail us a written notification bearing your signature. Your coverage will end beginning with the Payment Due date following the date on which we receive your cancellation request. If, within 30 days of first receiving your Policy or Certificate of Insurance, you return it to us along with your written and signed cancellation request, we will refund your premiums in full. In either case, please be aware that if you later choose to rejoin the plan, you must once again complete an application and meet the medical qualifications required of any new applicant. If you are unsure about cancelling your coverage, please contact us and we will try to help.
Our dedicated and informed Customer Service Representatives are available to answer your questions or assist you with this coverage Monday through Friday from 8am – 8pm ET. Simply phone us toll-free at 1-866-707-4922.
Please refer to our Contact us page for details. Please do not include any credit card account numbers in your email message to us.
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For more information and to speak to a Licensed Insurance Advisor, call
1-866-707-4922
(Monday – Friday 8am – 8pm ET)
Or email am_info@manulife.ca
Ready to apply?
If you’re ready to lock in the coverage that works best for you – take the next step and get a quote for the coverage you need, then proceed to the application. It helps to have birth dates, provincial or territorial coverage, doctor and prescription informationhandy on everyone you would like to cover, like your spouse and children.
Our 30-day guarantee
If you are not satisfied with your coverage, simply return your insurance policy to Manulife within 30 days of receiving it, and any premiums paid for the coverage will be promptly refunded.3
1TELUS Health Virtual Care is a trademark of TELUS Corporation, used by it and its affiliates under license. Manulife cannot guarantee the availability of this benefit indefinitely.
2Contact the Canada Revenue Agency or seek the advice of a tax professional to confirm your eligibility for tax deductions.
3 The insured may, within thirty (30) days after receiving this policy, return it to the address below for cancellation. The policy will be considered never to have come into effect and any premium paid up to the end of the 30-day examination period will be refunded, less any claims paid. Where claims paid exceed premiums, the difference must be repaid to the insurer immediately. This right of cancellation expires thirty (30) days after the policy is received by the insured and does not apply to any reissued, substituted or consolidated policy continuing coverage that commenced under a previously issued policy. The rights of any beneficiary under the policy are subject to this right of cancellation.
FAQs
What insurance provider does Costco use? ›
However, the company receives a lot of complaints about its claims process, which means it may take a while to repair damage. Costco's auto and home insurance policies are underwritten by American Family Connect, a subsidiary of American Family Insurance (AmFam), which is one of the 10 largest insurers in the country.
Does Costco offer health insurance for members? ›To purchase Costco health insurance, you must be a Costco member. From here, you have access to buy Costco health insurance through well-known providers such as Blue Cross Blue Shield or Oscar. By being a Costco member, you will have access to additional discounts or benefits on some of these plans.
How good is Costco employee health insurance? ›Variety of health benefits
And it's a solid one. Health insurance is affordable and includes dental and vision (and remember, there are optometrists in Costco stores) and co-pays are low. Employees may also use the company's pharmacies for any prescriptions that need to be filled.
We operate primarily as John Hancock in the United States and Manulife elsewhere. We provide financial advice, insurance, as well as wealth and asset management solutions for individuals, groups and institutions.
What is Costco medical provider discount? ›Medical professionals that join Costco as new members are eligible for the $30 Shop Card. To claim your $30 Costco Shop Card, click the Shop Now button. Follow the steps to easily verify your status as a medical professional using ID.me – a trusted partner of Costco.
Do you need Costco membership for Costco insurance? ›About Costco Car Insurance
Costco members are eligible for exclusive discounts through Connect, but you don't have to be a Costco member to purchase a policy from Connect.
- No annual fee.
- 2% cash back on Costco and Costco.com purchases.
- 3% cash back on restaurants and eligible travel purchases.
- 4% cash back at Costco Gas, and EV charging.
For individuals, they range from $3,000 to $7,500 for in-network care and $6,000 to $10,000 for out-of-network care. For families, deductibles start from $6,000 to $15,000 for in-network and $12,000 to $20,000 for out-of-network care.
What is the best private health insurance? ›- Best overall. Best overall insurance: Kaiser. Best overall insurance: Kaiser.
- Good. Popular health insurance: BCBS. Popular health insurance: BCBS.
- Good. Best for self-employed: UHC. Best for self-employed: UHC.
- Cheap. Best for young adults: Aetna. Best for young adults: Aetna.
If you've worked for Costco for at least 180 consecutive days, and work more than 24 hours per week, you're eligible for health benefits.
What position at Costco pays the most? ›
Costco Wholesale Company employees with the job title Warehouse Supervisor make the most with an average hourly rate of $23.93, while employees with the title Front End Clerk make the least with an average hourly rate of $14.83.
What Aetna plan does Costco use? ›At Costco, Members Can Now Buy Aetna Health Insurance – Hartford Courant.
Who is the carrier for Manulife? ›You can get your payments from Manulife directly on your bank account. Simply sign up for direct deposit by providing your banking information to TELUS Health.
What are the benefits of Manulife? ›- Health insurance.
- Life insurance.
- Travel insurance.
- Mortgage protection insurance.
Target Audience: Manulife's target audience was gen Y. Empowered by technology, they can decide what they watch, see, and listen to. They want a brand with a purpose that will help them resolve cultural tension.
Do Costco employees get free healthcare? ›Costco offers health insurance to full-time employees and part-time employees that work 23 or more hours per week.
Does Costco offer AAA discount? ›AAA members receive 10% off and COSTCO members 15% off most services with valid member ID.
Which is better Sams or Costco? ›Does Costco or Sam's Club Have Better Prices? Overall, the prices at Costco tend to be cheaper. However, Sam's Club has a greater selection of name-brand products and a cheaper membership fee.
Can my wife use my Costco card without me? ›The Costco membership card is non-transferable, but there are several ways to share the experience with family and friends. Anyone with a card can bring up to two guests to the Warehouse during each visit. Keep in mind that purchasing items is exclusive to Costco members.
Can you be denied a Costco membership? ›Costco reserves the right to refuse membership to any applicant, and membership may be terminated at Costco's discretion and without cause.
Can you get Costco insurance with the gold membership? ›
Costco insurance is only available with a Costco membership
Gold Star ($60/year): With the Gold Star membership, your entire household will be eligible for their own CONNECT policies as long as one member holds a Gold Star card. This will give you access to the Costco stores and all discounted goods they offer as well.
Costco doesn't offer free or discounted memberships, but rest assured that the cost of membership can be recovered quickly thanks to massive price savings once you start shopping.
How much do you have to spend at Costco to make the executive membership worth it? ›How much you'd need to spend to make Costco Executive Membership worthwhile. In order to receive $60 in reward dollars and recoup the $60 more that an Executive Membership costs, one must spend $3,000 over the course of the year at Costco on eligible purchases, an average of $250 a month.
Is the $120 Costco membership worth it? ›“The Costco Executive Membership is worth the money for every Costco customer,” he said. “The main benefit of the membership is it provides a 2% reward on all Costco purchases.” Depending on your spending habits, he said you might be able to earn enough rewards to cancel out the membership cost.
What does a $500 deductible mean health insurance? ›Deductible: The amount you must pay out of your own pocket before your insurance company will start paying for services. (Example: If you have a $500 deductible per year, and each doctor's visit costs you $100, your insurance may not kick in until you've been to the doctor five times.)
Is 100% deductible health insurance? ›You can only deduct the out-of-pocket portion of your employer-sponsored health insurance premium if you take the itemized deduction on your tax return. And even then, “the premiums can only be deducted to the extent that they and other medical costs exceed 7.5% of your Adjusted Gross Income (AGI),” says Hunsaker.
What is a deductible in health insurance and out-of-pocket maximum? ›A deductible is the amount of money you need to pay before your insurance begins to pay according to the terms of your policy. An out-of-pocket maximum refers to the cap, or limit, on the amount of money you have to pay for covered services per plan year before your insurance covers 100% of the cost of services.
What are the top three health care insurance? ›Bajaj Allianz Health Insurance Company Limited. New India Assurance Company Limited. Oriental Insurance Company Limited. National Insurance Company Limited.
What are the top five health insurance plans? ›The five largest health insurance companies are UnitedHealth Group, Anthem, Centene, Humana and Health Care Service Corp. (HCSC). These companies represent nearly 46% of the total market share in the health insurance industry.
Who is the #1 provider of health insurance in the US? ›| Rank | Health insurance company | Market share |
|---|---|---|
| 1 | Kaiser Permanente | 12.81% |
| 2 | Elevance Health (Anthem) | 7.27% |
| 3 | HCSC (including BCBS plans) | 6.88% |
| 4 | UnitedHealth Group | 6.70% |
How many vacation days does Costco offer a year? ›
Costco's PTO and Vacation policy typically gives 20-30 days off a year with 94% of employees expected to be work free while out of office. Paid Time Off is Costco's 2nd most important benefit besides Healthcare when ranked by employees, with 25% of employees saying it is the most important benefit.
Who is eligible for the extra check at Costco? ›According to Costco's website, "We provide twice-yearly Extra Checks (bonuses) for long-tenured hourly employees." For those who aren't considered long-tenured, Costco compensates for the lack of bonuses by offering competitive paid sick, vacation and leave policies.
Does Costco pay holiday pay? ›Holidays. Beyond the company's paid time off and vacation policies for employees, Costco guarantees its staff seven paid holidays off, including the big ones of Thanksgiving, Christmas, Memorial Day, and Labor Day.
How many hours do you have to work to get a raise at Costco? ›On an hour based ladder. Every 1000 hours or so is a raise that increases as you climb the ladder. Very often, usually between every 6 months you receive a $1.00 raise depending on how much hours you put into the company. How often do raises occur at Costco Wholesale?
What's the easiest job at Costco? ›The easiest job at Costco is a front end assistant, and most entry-level jobs start at this position. Other jobs that are easy for employees at Costco include all entry-level employees like cashier assistant, food service assistant, food court worker, or customer service representative.
Does Costco give bonuses? ›Multiple Yearly Bonuses
Although this is a perk you only get after working for the company for a few years, it's a good one. According to Costco's website, "we provide twice-yearly Extra Checks (bonuses) for long-tenured hourly employees."
Banner|Aetna is an affiliate of Banner Health and of Aetna Life Insurance Company and its affiliates (Aetna). Each insurer has sole financial responsibility for its own products. Aetna and Banner Health provide certain management services to Banner|Aetna.
Is AARP and Aetna the same? ›* AARP Essential Premier Health Insurance plans are medically underwritten by Aetna, and you may be declined coverage in accordance with your health condition.
Who is Aetna target audience? ›Targeting: The target market for Aetna is adults between the ages of 31 and 45. These customers are getting married, starting a family, and purchasing a home. Consumers who are going through major life changes are especially motivated to purchase life insurance.
What is the other name for Manulife insurance? ›Manulife is a leading international financial services group that helps people make their decisions easier and lives better. We operate primarily as John Hancock in the United States and Manulife elsewhere.
What is the rank of Manulife? ›
Manulife Ranks 5th in Overall Culture Score
215 Employees rate Manulife's Overall Culture a 75/100, which ranks it 5th against its competitors, below Lincoln Financial Group. Overall Culture scores are aggregated from all of the questions employees at a company answer on Comparably.
| Job Title | Range | Average |
|---|---|---|
| Job Title:Disability Case Manager | Range:C$46k - C$62k | Average:C$54,524 |
| Case Manager | Range:C$42k - C$85k | Average:C$55,893 |
| Administrative Assistant | Range:C$33k - C$53k | Average:C$41,980 |
| Project Manager, Information Technology (IT) | Range:C$59k - C$105k | Average:C$77,908 |
- Withdrawal. ...
- 1 Sign in.
- 2 Go to Manage my plans > Online withdrawal.
- Otherwise.
- 1 Fill out a request for withdrawal form.
- 2 Use the mailing instructions on the form, or send it to us online: ...
- Direct transfer to another plan at Manulife. ...
- Direct transfer to another financial institution.
For Registered Pension Plans, we send a statement outlining available options to the plan member. For RRSPs and other plans, the plan member can generally cash out or move funds to a Manulife personal plan after 60 days.
Is Manulife an insurer? ›Manulife - Insurance & investment solutions for you.
Who are Manulife biggest competitors? ›Manulife's competitors and similar companies include Swiss Re, Aflac, The Great-West Life Assurance Company and Prudential Financial.
What is the target price for Manulife? ›Stock Price Forecast
The 15 analysts offering 12-month price forecasts for Manulife Financial Corp have a median target of 21.28, with a high estimate of 25.24 and a low estimate of 18.43. The median estimate represents a +7.11% increase from the last price of 19.87.
Your target audience refers to the specific group of consumers most likely to want your product or service, and therefore, the group of people who should see your ad campaigns. Target audience may be dictated by age, gender, income, location, interests or a myriad of other factors.
Does Costco use Aetna? ›--(BUSINESS WIRE)--Aetna (NYSE: AET) is now offering individual health insurance plans to Costco members in California.
Who owns Costco insurance? ›American Family Insurance is the company that backs Connect Insurance from Costco. This means that all of Connect's plans and offerings come from American Family.
How do I make an insurance claim with Costco? ›
File a claim
Or call us at 1-877-927-7268.
Costco offers a range of impressive benefits to its employees, including health insurance, retirement plans, and stock options. The company is known for valuing and investing in its employees, with benefits available to full-time, part-time, and seasonal workers.
What can I use my Aetna Mastercard for? ›Members can use the card to pay for in-network copayments when visiting a primary care physician (PCP) office, a specialist office, and offices that perform certain other types of services.
Who is Costco owned by Walmart? ›Costco is a publicly traded company, while Sam's Club is a subsidiary of Walmart. Costco's membership fees are more expensive, but its prices are slightly lower—thanks in part to its private branded products, such as Kirkland. Costco has more stores worldwide, but Sam's Club has more stores in the U.S.
Who are the biggest owners of Costco? ›The top individual insider shareholders of Costco are Craig Jelinek, Charles Munger, and Patrick Callans, and the top institutional shareholders are Vanguard Group Inc., BlackRock Inc., and State Street Corp.
What company did Costco merge with? ›Jeffrey H. Brotman and James D. Sinegal opened the first Costco in Seattle in 1983. The Price Company (corporate parent of Price Club) and Costco merged in 1993 to become Price/Costco.
Is there a class action lawsuit against Costco? ›On May 18, 2021 Costco and the Nevarez plaintiffs entered into a settlement agreement resolving the class and PAGA claims relating to Costco's exit security procedures.
Does Costco cover physical damage? ›Accidental Damage from Handling (ADH) Coverage: ADH Coverage provides for parts and labor costs to repair or replace Your Product when it experiences a failure caused by damage from drops, spills and liquid damage associated with the handling and use of Your Product.
How do I submit my Manulife claim online? ›- Sign in to your plan on the website, or mobile app.
- Click on the Group Benefits tile, then click “Go” under the plan you want to access.
- Click “Submit a claim”
- Follow the steps to submit your claim.