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 Hospital Indemnity Select.
HOSPITALIZATION STATISTICS
5.2%
Percentage of people ages 1-64 with a hospital stay in the United States was 5.2% in 2018.1
33.7M
In 2022, there were over 33.7 million hospital admissions in the United States.2
$14,101
The average adjusted cost of a hospital stay in the United States was $14,101 in 2019.1
Affordable Choice
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
Hospital Admission Benefits
Surgery & Assistant Surgeon Benefit
Ambulatory Surgical Benefit
Outpatient Medical Benefit
Daily Anesthesiologists Benefit
Dr.’s Office Visits with Rollovers
Prescription Benefit
Allergy Shots and Immunizations
Cancer Benefit
PLAN FEATURES
Available Ages: 18-64
Benefits Available Immediately
Family Rates Available
Age-Banded (Rates Will Not Increase Annually)
Hospital Indemnity Select
Hospital Indemnity Select from ManhattanLife is a great addition to those concerned with rising deductibles and out-of-pocket costs associated with the Affordable Care Act and Medicare Advantage.
PLAN BENEFITS
Hospital Confinement Benefit
Observation Benefit
Mental Health
Skilled Nursing Facility (Optional)
First Day Hospital Admission (Optional)
PLAN FEATURES
Available Ages: 18-89
Benefits Available Immediately
Guarantee Issued 64 ½ - 70
Guarantee Renewable for Life
BOTH PLANS INCLUDE
Emergency Room / Urgent Care
Ground/Air Ambulance
Hospital Confinement
Short Duration Hospital Stay
First Day Hospital Admission
Outpatient Surgical Procedure
FIRST HEALTH® NETWORK
In addition to payments that help pay for medical services, Affordable Choice helps you get more for your money with the First Health® Network. You get discounted rates on services provided by network providers for inpatient and outpatient services. There are over 1.5 million service locations and more than 810,000 physicians and healthcare professionals in the First Health® Network across all 50 states.
ANCILLARY SERVICES
CareGuide: Technology-driven solutions that empower organizations to save on healthcare costs and enhance employee benefits.
DirectLabs: DirectLabs provides ManhattanLife policyholders access to lab services nationwide at discounted rates.
Green Imaging: A provider of outpatient diagnostic testing services at discounted rates.
RxEDO: Provides prescription benefitmanagement services.
TelaHealth Consultants: 24/7/365 Physician Consultations at no charge.
For more on these Ancillary Services, please click here.
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
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.
Sources for statistics:
1 https://www.cdc.gov/nchs/hus/topics/hospitalization.htm;
2 https://www.ncqa.org/reportcards/health-plans/state-ofhealth-care-quality-report/acutehospital-utilization-ahu/;