The Affordable Choice: Coverage, Benefits & How It Works
The ManhattanLife Affordable Choice plan offers more than just supplemental health insurance, it helps provide the practical security people increasingly need in an unstable healthcare environment.
The Road to Supplemental Health Insurance
Consider Hector, a twenty-eight-year-old, gig economy worker whose income depends on his ability to stay healthy and on the road. Five days a week, he rides his bike throughout his city, delivering food and shipments to homes and businesses. Like many dedicated gig workers, Hector does not have access to employer-sponsored major medical insurance and the volatility of his work schedule makes traditional options difficult to obtain.
When an unexpected injury forced him to miss several days of work, Hector realized just how essential it was to have a safeguard in place. That realization led him to The Affordable Choice, a plan designed precisely for people seeking dependable, flexible coverage.
Affordable Choice Coverage
One of the standout strengths of The Affordable Choice is its extensive availability across multiple states, allowing individuals like Hector to remain confident that their plan can often support them regardless of their work location. This nationwide presence underscores ManhattanLife’s commitment to serving workers with diverse needs and careers.
Whether someone is a creative freelancer in Texas, a part-time contractor in Arizona or a shift-based service worker in Florida, the plan is accessible, adaptable and built to bridge the gaps left by fluctuating or unconventional employment.
Affordable Choice Benefits and Features
This fixed indemnity health insurance plan includes the following benefits and features:
- No Waiting Periods
- Cancer Benefit Included
- Hospital Admission Benefit
- Hospital Confinement
- Dr. Office Visit Rollovers
- Prescription Benefit
- Outpatient Services
- Surgery Benefit
- ER and Urgent Care
- No Networks Required
- Ground and Air Ambulance
- Lab and Radiology
Hector’s story illustrates how vulnerable some Americans are when their health coverage is closely tied to a single employer or a single job. In today’s economy, where millions of people patch together income from various sources or operate outside the traditional job market, relying solely on major medical insurance connected to employment can leave large holes in protection. Affordable Choice benefits fill those gaps by offering benefits that can address day-to-day medical expenses, routine healthcare needs and unexpected situations.
This flexibility is especially vital in an age marked by rising healthcare costs. Without supplemental protection, even a minor medical event can lead to significant bills, time away from work and emotional stress.
Affordable Choice coverage empowers individuals to stay prepared so they can manage both routine and unexpected medical expenses without toppling their finances. It ensures that people like Hector have a buffer against the unpredictable.
The ManhattanLife Affordable Choice Can Help
But remember, The ManhattanLife Affordable Choice plan is not only a product for twenty-something gig workers. It is a far-reaching solution built for individuals and families, with issue ages 18 to 64. Whether you are turning 26 and unable to remain on your parents’ health insurance plan or you are 52 and have been priced out of the Health Insurance Marketplace, this is a worthy option. The Affordable Choice product also reflects a broader truth: when healthcare and employment are no longer tightly aligned for everyone, a dependable supplemental health plan is no longer optional, but it is essential so that you can keep moving. By combining accessible coverage, practical benefits and nationwide availability, The Affordable Choice helps individuals maintain control over their well-being and can provide the reassurance to make the ride of life a little easier.
Recently, the Affordable Choice plan added the Specified Disease Rider for certain states, that makes this helpful plan even more valuable.
To learn more about Affordable Choice, view our brochure, watch our video or contact an agent by clicking the links below.