Hospital Indemnity Insurance - How Teladoc and Karis360 Work for You

ManhattanLife's Hospital Indemnity Insurance and Sponsored Benefits

As part of ManhattanLife’s efforts to provide efficient, accessible, and affordable care, our Hospital Indemnity Insurance products, Affordable Choice and Central Choice, offer two sponsored benefits: Teladoc and Karis360.

Teladoc and Karis360 are included in your total premium and help reduce your out-of-pocket costs before, during, and even after your medical need - whether it's a routine checkup or an emergency.

What is Teladoc?

Before there’s a medical emergency, you can use Teladoc, a modern-day house call. Board-certified physicians are available anytime, anywhere for personalized, secure web or phone-based consultations. Teladoc connects you with a doctor licensed in your state or province when you request a visit.

Members can use 24/7 Physician Consultations:

• For common, acute conditions that can be treated without a face-to-face visit (may include sinus problems, respiratory infections, allergies, flu symptoms, rashes)
• From anywhere – at home, at work, or on the road
• After hours – evenings, weekends, or holidays
• When they cannot reach their primary care physician

Product Highlights

• Visit Fee is $0.00
• Convenient consultations anytime
• Reduces claims costs for benefit plans and saves members time and out-of-pocket costs
• Offers a fast, affordable alternative for minor medical problems and health issues
• All physicians are licensed, board-certified, and based in the U.S.

Your doctor will diagnose your symptoms and provide treatment, which may include a prescription. **

What is Karis360?

Karis360 is a service that’s meant to make navigating healthcare easier. Policyholders can use Karis360 to save on out-of-pocket expenses, find doctors, search and compare facilities, providers, and prescription costs, as well as many other medical services. ***

With Karis360, you’ll have access to 3 services:

Karis Bill Negotiator

• Negotiates directly with providers and collection agencies to try and reduce medical bill balances
• Works with providers to develop payment plans

Karis Healthcare Navigator

• Provides each member a personal, expert advisor to address healthcare-related questions and concerns
• Services include, but are not limited to:
  • Physician and healthcare facility searches
  • Prescription costs search
  • Health cost estimates
  • Alternative medicine
  • Laboratory and imaging services
  • Elder care solutions
  • Appointment scheduling

Karis Surgery Saver

• Helps members when a non-emergency surgical procedure is being considered
• Specialized Advisors provide cost, quality, and availability comparisons of up to 5 facilities in the area

To learn more about our Affordable Choice product and what it covers, check out our Affordable Choice FAQ

*Teladoc and Karis360 benefits are not included in the Child Only Policy option

**Teladoc does not guarantee prescriptions. It is up to the doctor to recommend the best treatment. Teladoc doctors do not issue prescriptions for substances controlled by the DEA, non-therapeutic, and/or certain other drugs that may be harmful because of their potential for abuse.

***Karis360 is not insurance and does not provide funds to pay for bills. This is a best-efforts service and results cannot be guaranteed.

For more information on these sponsored benefits, visit Manhattanlife's Hospital Indemnity Insurance.