Darin is appointed with each of these companies and can place coverage with any of them. We do not represent every insurer, and which company suits you depends on your age, your state, your health history and which benefits you actually want. Where a carrier's benefits are described on this page, those details come from that carrier's own current brochure.
Guarantee Trust Life (GTL)
Advantage Plus® Elite
Every benefit below is transcribed from GTL Advantage Plus Elite brochure GAD22.1-24 (Rev. 8/25) 15B665. Benefits, amounts and riders vary by state; the policy issued to you governs.
Hospital confinement Included
A daily cash benefit if you are hospitalized for a 24-hour period, as observation or confinement. Base plan choices of 1 day (up to $2,500 daily) or 3 to 15 days (up to $990 daily). Restores in full, an unlimited number of times, after 60 days with no hospital confinement.
Short duration hospital stay Included
Pays the chosen daily benefit if you are admitted and discharged between 6 and 24 hours. 25% of the daily amount on the 1-day plan.
Emergency room Included
$150 if you are treated in an emergency room, emergency care or urgent care facility after an accident or injury. No hospital admission needed.
Mental health Included
$175 per day for up to seven days of hospital confinement for a mental or nervous disorder. Paid in place of the confinement benefit, not on top of it.
Skilled nursing facility rider Optional rider
Option 1 pays $100–$300 per day for days 1–50; Option 2 pays the same for days 21–100. Either requires a three-day hospital stay first, with admission within 30 days. Restores after 60 days with no confinement.
Cancer lump sum rider Optional rider
$2,500 to $20,000 on a cancer diagnosis, including 25% for cancer in situ and $500 for basal or squamous cell skin carcinoma.
Recurrence rider Optional rider
Restores the cancer lump sum over time — 10% after one year without recurrence, rising to 100% after five.
Ambulance rider Optional rider
$50 to $400 per ground or air ambulance trip to or from a hospital. Once per day, four times a year, 12 trips lifetime. No confinement required.
Outpatient therapy rider Optional rider
$50 a day for outpatient physical, occupational or speech therapy, up to 15 or 30 days a year. Chiropractic therapy $50 a day up to 5 days a year, for injury due to accident.
Outpatient surgical rider Optional rider
$250, $500, $750 or $1,000 for a surgical procedure in an ambulatory surgical center or outpatient hospital facility, up to twice a year.
Lump sum hospital rider Optional rider
$250, $500 or $750 toward a lump sum hospital co-pay, on top of the daily benefit. Once per confinement, restoring after 60 days.
Guaranteed purchase option with wellness rider Optional rider
Increase the confinement benefit by 10% of its original amount up to five times before age 85, at issue-age rates, with no further underwriting. Includes $100 a year for a physical examination.
Critical accident rider Optional rider
After an emergency room visit, a lump sum by injury: accidental death $5,000 or $10,000; hip or skull fracture $1,250 or $2,500; hip dislocation $1,000 or $2,000; knee dislocation or ligament tear $500 or $1,000; other fracture $250 or $500.
Dental and vision rider Optional rider
Up to $400, $800 or $1,200 a year for a licensed dentist, ophthalmologist or optometrist after the first year, including $200 toward prescription glasses or contact lenses.
- Issue ages
- Guaranteed issue for ages 64½ up to age 75 in most states
- Underwriting
- Simplified underwriting with instant approval
- Renewability
- Guaranteed renewable for life while premiums are paid on time. Premiums change only on a class basis within your state.
- Pre-existing conditions
- Benefits are not paid for a pre-existing condition unless the loss begins more than six months after your effective date. (No pre-existing condition limitation in NC.)
- Policy form
- G2150. Rider forms RG21ASB, RG21CA, RG15CLS, RG15CLSR, RG15DV, RG21LSH, RG21OPS, RG21OPT, RG21SNF, RG21SNF-EP, RG24GPO, RG24W. Form numbers and benefits vary by state.
Required disclosures from GTL
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.
Policy series G2150 is a limited benefit health insurance policy. It is not a Medicare Supplement policy or certificate, and does not fully supplement any federal Medicare health insurance. If you are eligible for Medicare, you may review the Guide to Health Insurance for People with Medicare available from GTL.
GTL and their licensed agents are not connected with or endorsed by the US Government or the Federal Medicare Program.
Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company
Protection Series — Hospital Indemnity Flex
Every benefit below is transcribed from the Aetna Hospital Indemnity Flex outline of coverage CLIHF03993NV (Nevada edition), for policy form CLIHIPL217 NV, and from the Aetna Hospital Indemnity Flex brochure CLIHF04053NV (Nevada edition), the Aetna Senior Supplemental Insurance company profile CGFMP08395, which states the A.M. Best rating and its date. Benefits, amounts and riders vary by state; the policy issued to you governs.
The base benefit: a daily amount for every day you are in hospital Included
Paid for each day of hospital confinement, in $10 units subject to minimum daily benefit amounts, up to a maximum daily benefit amount of $1,000. It is limited by the maximum number of days per period of care and the lifetime maximum number of days.
An observation stay pays half, and only instead of the daily benefit Included
If you receive services in an observation unit of a hospital, the policy pays 50% of the daily hospital confinement benefit, once per period of care. It is not payable if the daily hospital confinement benefit is paid.
Optional rider: skilled nursing facility Optional rider
Pays for each day of skilled care in a skilled nursing facility, in $10 units up to a maximum daily benefit amount of $500, with a choice of covered days — days 1 to 20, days 21 to 100, or days 1 to 100. There is no lifetime maximum number of covered days for this benefit.
Optional rider: outpatient doctor's office visits Optional rider
Pays when the insured has a physician office visit for a covered illness or injury, in $10 units up to a maximum of $100 per visit, subject to a maximum number of visits per calendar year.
Optional rider: outpatient surgery Optional rider
Pays when an outpatient surgical procedure is performed at an ambulatory surgical centre or outpatient surgical facility for a covered illness or injury, in $250 units up to a maximum of $3,000 per surgical procedure, subject to a maximum number per calendar year.
Optional rider: emergency room visit or ambulance Optional rider
Pays when the insured has an emergency room visit or an ambulance service by air, ground or water, in $200 increments up to $600, subject to a maximum number per calendar year. Services must be medically necessary and provided on an emergency basis.
Optional rider: outpatient rehabilitation Optional rider
Pays for each day the insured receives occupational, physical or speech therapy on an outpatient basis for a covered illness or injury, in $50 units up to a maximum benefit amount of $250 per visit, with a choice of 15 or 30 visits per calendar year.
Optional rider: a lump sum if you are diagnosed with cancer Optional rider
$2,500, $5,000, $10,000, $15,000 or $20,000, paid on a diagnosis of cancer made after the effective date and after a 30 day benefit waiting period. Only one cancer benefit amount is paid per insured person under the policy.
What the policy will not pay for Not covered
Experimental or investigational procedures and clinical trials. Diagnostic lab testing, x-rays, advanced studies and venipuncture. Cosmetic surgery, routine foot care, dental services, acne and varicose veins. Allergy testing and allergy injections. Speech, occupational and physical therapy, except under the outpatient rehabilitation rider. Pre-employment, pre-marital and routine physical examinations. Learning disorders and disabilities, developmental delays, mental or nervous disorders and sleep disorders. Tobacco cessation and substance use disorders. Obesity and weight reduction, including bariatric surgery and its complications. Eye examinations, eyeglasses and contact lenses for refractive errors, surgery to remove the need for glasses, treatment for cataracts, orthoptics and visual eye training. Hospice care, custodial care and home health care. Pregnancy and reproduction, except complications of pregnancy. War, riot or international armed conflict. A crime, felony or illegal act, or time imprisoned. Suicide or intentionally self-inflicted injury, sane or insane. Skydiving, scuba diving, hang or ultra light gliding, ballooning, bungee jumping, parakiting, riding an all-terrain vehicle, racing, sports for pay or profit and rodeo contests. Medical treatment, services and supplies received outside the United States.
Does this apply in your state?
Everything set out above is transcribed from the Nevada edition of this company's material — the policy form number carries the state in it. The way the policy is built is the product's, and it is why the design is worth comparing. The exact amounts, the riders on offer and the availability are that state's, and they can differ where you live.
Tell us your state and we will check it and send you the documents that apply to you. Call (424) 295-0627, or use the form at the bottom of this page.
- Issue ages
- The documents state no issue age range in words. The premium table runs from issue age 18 to 89.
- Renewability
- Guaranteed renewable for life provided premiums are paid when due, subject to the policy termination provisions.
- Pre-existing conditions
- Pre-existing conditions are not covered unless the loss begins more than three months after the coverage effective date. A pre-existing condition is one the insured has been medically diagnosed with, treated by, sought advice from, or consulted with a physician about during the six months before the coverage effective date.
- Financial strength
- Rated “A” (Excellent) by A.M. Best as of 13 March 2024 — the third highest of sixteen ratings, which is the part the letter on its own does not tell you. It is a view of the insurer’s ability to pay claims, not a comment on this policy, and it can be changed at any time.
- Policy form
- CLIHIPL217 NV. Form numbers and benefits vary by state.
Required disclosures from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna company
THIS IS A LIMITED BENEFIT FIXED INDEMNITY POLICY. READ YOUR POLICY CAREFULLY. This outline of coverage provides a very brief description of the important features of your policy. This is not the insurance contract. The policy sets forth in detail, the rights and obligations of both you and the insurance company. It is therefore important that you READ YOUR POLICY CAREFULLY!
This coverage is designed to provide you with coverage paying benefits only when certain losses occur which result in a hospital or skilled nursing facility stay. This policy provides limited coverage issued to supplement coverage you already have in force.
Premiums for the policy may be changed. Any change in premium will apply to all covered persons with Your same Policy type based on the issue state of Your Policy. Any change in premium may occur on the next premium due date after You are given at least 30 days advance notice in writing of such change.
Manhattan Life
Hospital Indemnity Select
Every benefit below is transcribed from ManhattanLife Hospital Indemnity Select brochure HIS-BR 0126, and from the application for hospital indemnity insurance AN7003AP. Benefits, amounts and riders vary by state; the policy issued to you governs.
Hospital confinement, 18 to 64½ — the one day plan Included
A daily cash benefit paid to you for observation or confinement. Below 64½ there is one base plan, a 1 day benefit period, with a daily benefit anywhere from $50 to $10,000, chosen in $50 steps — sized against the deductible or out-of-pocket maximum your own health plan leaves you to pay. Benefits fully restore 60 days after discharge.
Hospital confinement, 64½ to 89 — the three, six and ten day plans Included
From 64½ the choices are 3, 6 or 10 day benefit periods, each with a daily benefit from $50 to $750 chosen in $50 steps, sized against the per-day inpatient co-pay a Medicare Advantage plan charges. Benefits fully restore 60 days after discharge.
Short duration hospital stay Included
If you are receiving care in hospital and are discharged between 12 and 23 hours, the 1 day plan pays 25% of the hospital confinement amount and every other benefit period pays 100% of the daily benefit shown on the policy schedule.
Emergency room or urgent care Included
$150 when you are treated for an injury in an emergency room or an urgent care facility, up to 6 days a calendar year. No admission required.
Ambulance Included
$200 for each ground or air ambulance trip to or from a medical facility, up to 4 times a calendar year and 15 trips in a lifetime.
Mental health Included
$175 a day for hospital confinement for a mental or nervous disorder, up to 7 days a calendar year.
First day hospital admission rider Optional rider
$250, $500 or $750 on admission to hospital, on top of the daily confinement benefit, payable up to 6 times a calendar year.
Skilled nursing facility rider Optional rider
$100, $150, $200 or $250 a day in a skilled nursing facility. Option 1 covers days 1 through 50 and Option 2 covers days 21 through 100.
Outpatient surgical procedure rider Optional rider
$250, $500, $750, $1,000 or $1,500 a day when a surgical procedure is performed in an ambulatory surgical centre or an outpatient hospital facility, up to 2 times a calendar year.
Hospital Indemnity Select on its own page, with its own enrollment link.
What a claim looks like
Barbara, 66, Texas — four days in hospital on a Medicare Advantage plan
Barbara was diagnosed with strep throat and bronchitis. Her condition worsened and she was admitted to hospital, where she used four days of her six day benefit. Although Barbara had a Medicare Advantage plan, her out-of-pocket expenses reached $1,500 — a $500 admission co-pay and a $250 co-pay for each of the four days.
Barbara, 66, Texas — four days in hospital on a Medicare Advantage plan| Hospitalisation costs | Amount |
|---|
| Barbara’s out-of-pocket expenses | $1,500 |
|---|
| First Day Hospital Admission Benefit Rider | $750 |
|---|
| Hospital Confinement Benefit ($700 × 4 days) | $2,800 |
|---|
| Total amount paid to Barbara | $3,550 |
|---|
Barbara had the admission rider at the $750 level and a $700 daily confinement benefit on a six day plan. The 2024 edition of this brochure called that rider a “Lump Sum Hospital Rider”, which is not a name the application carries — if you are holding the older brochure, ask for the First Day Hospital Admission Benefit Rider. Your own figures turn on the daily benefit and benefit period you choose and on what your plan actually charges.
Manhattan Life’s own wording: Not an actual policyholder or claim example - for example purposes only. This example is not applicable in CA.
Eric, 47, Florida — three nights in hospital on an ACA plan
Eric caught pneumonia and spent three nights in hospital. His out-of-pocket expenses and deductibles for the stay came to $8,000. Eric had chosen a 1 Day Hospital Confinement Benefit of $9,450, because he wanted it to match the out-of-pocket maximum in his ACA plan.
Eric, 47, Florida — three nights in hospital on an ACA plan| Hospitalisation costs | Amount |
|---|
| Eric’s out-of-pocket expenses | $8,000 |
|---|
| 1 Day Hospital Confinement Benefit | $9,450 |
|---|
| Total amount paid to Eric | $9,450 |
|---|
Eric is 47, so the 1 day plan was the only base plan available to him — and that is the plan built to be sized this way. The $1,450 left over after his costs is his to keep or set aside; the benefit is a fixed amount triggered by admission, not a reimbursement of a bill, so it is not reduced because it exceeded what he owed. Equally, it would not have risen if his costs had been higher.
Manhattan Life’s own wording: Not an actual policyholder or claim example - for example purposes only.
- Issue ages
- 18 to 89, as individual, individual and spouse, individual and children, or family cover. In Hawaii that is a spouse or reciprocal beneficiary and in Nevada a spouse or domestic partner. Guaranteed issue from 64½ to 70 — but the application adds a condition the brochure leaves out: you must be a first-time applicant for this product. Everybody else answers the health questions. In California the issue ages stop at 64½, because the plans sold from 64½ are not written there.
- Underwriting
- Guaranteed issue at 64½ to 70 for a first-time applicant. Otherwise seven knock-out health questions, any one of which excludes the person it applies to — HIV, current hospital, nursing facility or home health confinement, tests or surgery advised in the past 12 months and not yet done, help needed with activities of daily living, three or more hospital stays in 12 months, and named lung, liver, artery, neurological and psychiatric conditions in the past 12 months or cardiac, kidney, cancer, amputation and diabetes complications in the past 24. Prescription medication taken in the past 24 months is listed with its diagnosis. The application also asks whether everybody has been performing normal daily activities or actively at work at least 27 hours a week for 12 months, whether anyone was declined for health reasons in the past five years, and whether anyone is pregnant or adopting. One person can be excluded rather than the whole application declined.
- Renewability
- Guaranteed renewable for life, and the brochure states that rates do not increase as you age. Premium can be paid by bank draft, direct billing or payroll deduction where an employer list-bills it.
- Pre-existing conditions
- A pre-existing condition limitation applies — and it applies even on a guaranteed issue policy. The application says so in terms: pre-existing condition limitations apply without regard to the health questions. The brochure's “benefits available immediately” means there is no waiting period, which is a different thing. Neither consumer document we hold states how long the pre-existing period runs, so ask for your state's outline of coverage and read that clause before you sign rather than assuming it matches another company's.
- Policy form
- AN7003. Rider forms AN7003HA, AN7003OS, AN7003SN. Form numbers and benefits vary by state.
Required disclosures from Manhattan Life
THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.
Benefits and riders may vary by state and may not be available in all states.
This is not a full disclosure of plan qualifications and limitations. To access the complete disclosure list for the Hospital Indemnity Select product, visit disclosure.manhattanlife.com. Please review this information before applying for coverage. The amount of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
This brochure only provides a brief description of the important features of your policy. Only the actual policy provisions will control; therefore, it is important that you READ YOUR POLICY CAREFULLY.
Also appointed
Also appointed, with benefit details not yet published here: the companies listed here. Ask and we will quote them alongside the others.
We publish no benefit detail for these companies here because we hold no current brochure for them in this product family. Naming a benefit we have not read would be a guess, and a guess is what gets a claim denied.
