McGill Health Services

Best Doctors® Solutions Services – Best Doctors offers a suite of services to help define serious medical problems, facilitate selection of physicians, link patients with hospitals and help manage the overall details that may be involved in diagnosis and treatment. Best Doctors offers three key services: medical advice and treatment planning, identification of the appropriate care provider, and care management.
Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist – $20 maximum per visit, 20 visit maximum per discipline per person, per anniversary1 year (payable only after Government Health Insurance Plan maximums have been reached, if applicable).
Chiropractic X-ray – $35 maximum per person, per anniversary year
Psychologist – $80 maximum first visit, $65 maximum subsequent visits, 10 visit maximum per person, per anniversary year
Speech Pathologist/Therapist – $65 maximum first visit, $45 maximum subsequent visits, 10 visit maximum per person, per anniversary year
Physiotherapist – $250 maximum per person, per anniversary year

Homecare and Nursing, Prosthetic Appliances, Durable Medical Equipment – helps to cover the services of registered health professionals including Registered Nurse, Registered Nursing Assistant or healthcare aid; covers costs towards prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies; and the purchase or rental of medically necessary equipment such as crutches, non-electric wheelchairs and other equipment recommended by the physician and approved by Manulife Financial. The maximum per person, per anniversary year for each of these 3 categories of benefits separately is according to the following:

Year 1	Year 2	Year 3	Year 4	Year5
$1.,000	$1,300	$1,500	$1,700	$3,000

Note: $225 maximum per person, per anniversary year for custom-made Orthotics, which are included as part of Durable Medical Equipment.

Lifeline®‡ Personal Response Service – for people coping with medical challenges at home and wanting to lead more independent lives, Lifeline may be a solution. With the simple press of a button, worn in the home, the 24-hour monitoring service is alerted that help is needed. Lifetime maximum of 3 months of service, not including installation fee.
Accidental Dental – covers dental treatment required as a result of an accidental blow to the head or mouth, within 90 days following the accident; $2,000 maximum per person, per anniversary year
Ambulance Services – provides coverage for unlimited ground transportation; $4,000 maximum for air ambulance transportation per anniversary year (payable only after Government Health Insurance Plan maximums have been reached, if applicable).
Hearing Aid – $400 maximum per 4 consecutive benefit years (Benefit Year means the 12 consecutive months following the incurred date of claim.)

Hospital Cash – Hospital Cash provides cash payment to cover personal expenses incurred during hospitalization, regardless of the type of room. Benefit is payable on the first day if hospitalization is a result of an accident and on the 4th day if a result of illness/pregnancy. Maximum of $50 per day for covered individuals under 65 years of age and children; $30 per day for covered individuals 65 years and over.
Note: During the first 12 months after the effective date, cash payment will not be made for costs related to any illness diagnosed within a 12 month period prior to the effective date of coverage.

Fracture Benefits – Fracture benefit pays a scheduled amount depending on which bone is fractured. If more than one bone is fractured in a single accident, the amount payable is for the most severe fracture. Fracture payments are as follows:

Ankle	$300	Collar bone	$300
Toes (2 or more)	$300	Shoulder	$400
Femur	$450	Lower Jaw	$325
Kneecap	$375	Skull	$450
Lower Leg	$250	Upper Arm	$300
Pelvis	$500	Spinal Vertebrae	$375
Fingers (2 or more)	$250	Any other fracture not listed	$175
Forearm	$300

Travel Coverage – Travel Coverage provides up to $1 million for emergency health expenses for trips lasting a maximum of 9 days.
Note: Coverage may be limited or excluded for any illness or condition which first manifested itself within the 9 month period preceding the effective date of coverage. Travel coverage is not available to individuals 65 years of age and over.
Accidental Death and Dismemberment – This coverage provides for payment up to:
- 50,000 upon the accidental death or dismemberment of a covered adult under 65 years
- up to $25,000 upon the accidental death or dismemberment of a covered adult over 65 years
- up to $20,000 upon the accidental death or dismemberment of a child.

Don't let medical expenses not covered by your Government Health Insurance Plan place you or your family in a financial crisis. Simply complete and mail or fax the application form as indicated below, or give us a call at 416-484-9921 (Toll Free: 1-877-624-4559); we'll be pleased to answer any questions you may have.