Manhattan Life
Home Health Care SelectNot available in California, Florida, Minnesota, New Mexico, Utah, Washington. Call us and we will tell you what we can place there.
Every benefit below is transcribed from ManhattanLife Home Health Care Select brochure HHCS-BR 0623, and from ManhattanLife's Home Health Care and Home Health Care Select availability map, revised 11/13/2024. Benefits, amounts and riders vary by state; the policy issued to you governs.
Home health care, by the day Included
A daily maximum benefit of $150 on Classic, $300 on Premier and $450 on Deluxe, with a maximum benefit period of 365 days, for services in your home from an approved practitioner, subject to the eligibility conditions.
The maximum benefit period may vary by state.
What each service pays, by plan Included
Nursing care, physical therapy, speech pathology and occupational therapy: $75, $150 or $200 a day. Chemotherapy specialist: $60, $120 or $200. Enterostomal and respiration therapy: $50, $100 or $200. Medical social services: $100, $200 or $300. In each case on Classic, Premier and Deluxe.
Home health care aide Included
$40, $80 or $120 for each day you require aide services in your home, on Classic, Premier and Deluxe, for a maximum benefit period of 60 days.
Prescription drugs Included
$10 per generic or $25 per brand prescription, to a maximum per policy year of $300 on Classic and $600 on Premier and Deluxe. The brochure says this is available in most states.
Restoration of benefits Included
The maximum benefit period for the home health care and aide benefits is restored if benefits have not been paid or required for 180 consecutive days.
Routine annual physical examination rider Optional rider
$150, one benefit per year.
Not offered by Manhattan Life in Colorado. Waiting period: 12 months. The brochure also says it is not available in Virginia.
Accidental death and dismemberment rider Optional rider
$10,000 for accidental death, and $250 to $5,000 for dismemberment or loss of sight. To be covered, it must occur within 90 days of the covered accident while the policy and rider are in force. Lifetime maximum $10,000.
Home medical equipment rider Optional rider
$100 per piece of equipment your physician prescribes while you are receiving home health care or aide benefits. Lifetime maximum $500.
Ambulance rider Optional rider
$200 per one-way trip for emergency care, four trips a year. Lifetime maximum $2,500.
Not offered by Manhattan Life in Colorado.
Accident expense rider Optional rider
Up to $1,250 on Option 1 or $2,500 on Option 2 per accident, for dislocations, fractures or knee ligament tears treated in an emergency room, urgent care or physician's office within 48 hours. Lifetime maximum $10,000.
Home Health Care Select on its own page, with its own enrollment link.
Confirm these two before you sign
None of these appear in the sales brochure, and each changes what the policy is worth to you. Ask for them in writing, in the policy and the outline of coverage for your state, and do not take our word or anyone else's for it.
- Any pre-existing condition limitation. The Select brochure prints none, and the sibling Home Health Care Enhanced outline of coverage has a six month one. Read the outline of coverage for your state.
- Which company underwrites yours. The brochure names Standard Life and Casualty Insurance Company and ManhattanLife Insurance and Annuity Company together and does not say which applies where.
- Issue ages
- 45 to 89.
- Underwriting
- The brochure describes simple underwriting. Coverage is not in force until the company accepts the application.
- Renewability
- Guaranteed renewable for life, with a 30 day free look to examine the policy.
- Policy form
- AM7008. Rider forms AM7008AB, AM7008AC, AM7008DD, AM7008RE, AM7008DE. Form numbers and benefits vary by state.
Required disclosures from Manhattan Life
This is a Home Health Care Insurance Policy.
This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a complete list for the Home Health Care Select product at Disclosure.ManhattanLife.com. Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the selection made.