Hospitalization Insurance
For life's unexpected events.

 

Helping patients cope with the two “costs” of hospitalization.

There are two costs to major medical insurance whenever you are hospitalized – the health insurance premium and the cost of actually using the insurance.

To help you manage the gaps left by qualified major medical and limited benefit plans, ManhattanLife offers two hospital indemnity plan – Affordable Choice and CentralChoice.

HOSPITALIZATION STATISTICS

35.7M

There were 35.7 million hospital stays in the U.S in 2016.1

13.6M

In 2016, 13.6 million major ambulatory surgeries were performed in hospital-owned facilities.2

$14,500

The average per patient aged 45-84 cost of a hospital stay in 2016 was $14,500.1

AFFORDABLE CHOICE HIGHLIGHTS

Affordable Choice from ManhattanLife provides affordability, accessibility, and flexibility. There are only a handful of medical questions on the application. Plus, you keep your own doctors and can access network discounts.

 

PLAN BENEFITS

Inpatient benefits
Hospital admission benefit
Surgery benefits
Doctor’s office visit
Outpatient medical benefits
Emergency or urgent care
Cancer benefit
Prescription benefit

 

PLAN FEATURES

$5,000,000 Lifetime benefit maximum
$1,000,000 Calendar year limit
No deductibles or coinsurance
Teladoc included: 24/7 Physician consultations (not included in child only policy)
Karis 360 included: Bill Negotiator, Healthcare Navigator, Surgery Saver (not included in child only policy)
Age-banded prices (rates will not increase annually)
No rate differences between smoker/non-smoker

 

MULTIPLAN NETWORK

In addition to payments that help pay for medical services, Affordable Choice helps you get more for your money with the MultiPlan series of networks. You save an average of 20-30% off inpatient and outpatient hospital charges when you use MultiPlan.

 

 

HOSPITAL STAY STATISTICS

56%

Approximately 56% of hospital stays in 2012, or 20.4 million hospital stays, were medical.1

21.8%

Approximately 21.8% of hospital stays in 2012, or almost million hospital stays, were surgical.1

22.2%

Approximately 22.2% of hospital stays in 2012, or more than 8 million hospital stays, were maternal or neonatal.1

CENTRALCHOICE HIGHLIGHTS

CentralChoice helps you to fill the gap left open from other products including both qualified major medical as well as limited benefit plans. Designed with you in mind, CentralChoice plans feature a variety of inpatient and outpatient benefits that can be paid to any hospital or doctor. When coupled with MultiPlan providers, additional savings through negotiated discounts may be available.

 

 

PLAN FEATURES

No deductibles or coinsurance
No lifetime maximums
Guaranteed renewable
You may seek treatment from any doctor and any hospital
Plans pay directly to the insured
You may benefit from negotiated discounts through the MultiPlan PPO Network
Teladoc included: 24/7 Physician Consultations (not included in child only policy)
Karis 360 included: Bill Negotiator, Healthcare Navigator, Surgery Saver (not included in child only policy)

 

MULTIPLAN NETWORK

In addition to payments that help pay medical services, Affordable Choice helps you get more for your money with the MultiPlan series of networks. You save an average of 20-30% off inpatient and outpatient hospital charges when you use MultiPlan.4

 

Benefit exclusions and limitations may apply to the policy. For additional information about hospital indemnity insurance or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.

Source for statistics: 1Centers for Disease Control and Prevention – Oral Health Surveillance Report, 2019; 2Centers for Disease Control and Prevention – Oral Health Basics, 2019