A fixed amount for each day in hospital, and for the surgery, intensive care and nursing around it. Built for one job: absorbing the deductible and coinsurance your major medical plan leaves you holding when you are actually admitted.
This product does not constitute comprehensive health insurance coverage (often referred to as, “major medical coverage”). Therefore, this product does not satisfy the requirement of Minimum Essential Coverage under the Federal Patient Protection and Affordable Care Act. For additional information, you can contact us, refer the official federal website at www.healthcare.gov, or call their toll-free number at 800-318-2596.
Fixed indemnity coverage pays set cash amounts when specific things happen — a night in hospital, a surgery, an emergency room visit. It does not pay a share of your bill and it does not cap what you can owe. If you can get comprehensive coverage through an employer, through the Health Insurance Marketplace or through Medicaid, that is a better product than this one and you should look at it first. This exists for the people who fall between those.
This product does not constitute comprehensive health insurance coverage (often referred to as, “major medical coverage”). Therefore, this product does not satisfy the requirement of Minimum Essential Coverage under the Federal Patient Protection and Affordable Care Act. For additional information, you can contact us, refer the official federal website at www.healthcare.gov, or call their toll-free number at 800-318-2596.
This is hospital indemnity insurance for the years before Medicare. It is designed to sit alongside a major medical plan and absorb what that plan leaves you to pay. It is not health insurance and it is not a substitute for one.
Every policy on this page ends, and they do not all end at the same point. Two are guaranteed renewable only to 65. The third is conditionally renewable and ends at the earlier of your becoming insured under Medicare or reaching 69, and in California 65 rather than 69. The renewal terms are set out against each company below, and they are one of the two or three things worth comparing before you choose.
If you are approaching Medicare, read those renewal terms first. Hospital indemnity bought alongside Medicare is a different policy with different rules, and it is on our supplemental coverage pages.
One line in that disclosure needs a date on it. The federal penalty for going without major medical coverage has been $0 since 2019, so for most readers there is no longer a federal tax consequence. A handful of states run their own mandate and do still charge one — of the states we are licensed in, that is California. Check your own state before treating the sentence above as a reason to buy anything.
The argument the carrier makes is a sound one and worth stating plainly: a qualified plan can leave you exposed to several thousand dollars a year in deductible and coinsurance before it does much. Some people take the cheaper plan and spend the premium difference on something that pays cash when they are admitted. That is the case for this policy. It only works if you keep the major medical plan — this is not a replacement for one and cannot be.
Central Choice is built around a daily room benefit with riders bolted on to it. FirstChoice Blue Ribbon is built around a lump sum on the first confinement each year, with a heavier schedule for the days that follow. The Out-of-Pocket Protection Plan is built almost entirely on the admission itself — a single payment of up to $6,350 when you are admitted, with only a small daily benefit behind it, sized to be matched against the most your own major medical plan can leave you to pay in a year. All three are below in full. Work out what a week in hospital would actually cost you under your own plan, then read each one against that figure — a short admission and a long one favour different designs, which is the whole reason all three are here.
Not excluded permanently — covered, once you have held the policy a year. That is better than a lot of what is sold in this space, and it is also the reason to buy it before you need it rather than after.
Two of the three below are guaranteed renewable only to 65, which is where Medicare picks up. The third is conditionally renewable and ends at the earlier of your becoming insured under Medicare or reaching 69 — 65 in California — so somebody who takes Medicare early through disability loses that one then. If you are close to Medicare, read the renewal terms against each company below before you read the premiums: hospital indemnity bought alongside Medicare is a separate policy with separate rules, and it is on our hospital indemnity page. And one policy we place does not end at all — issued from 18 to 89 and guaranteed renewable for life. It is on that same supplemental page, and it is linked above.
There is no network requirement and no utilisation review. Benefits are paid directly to you. Using a First Health Network provider may reduce what you are charged, which makes a fixed benefit stretch further, but no benefit depends on it and the network is not part of the policy.
These are not our products and we are not paid if you take one. Price them before you price anything on this page.
Both policies on this page are guaranteed renewable only to 65, which means buying one in your forties commits you to buying again later. ManhattanLife’s Hospital Indemnity Select is issued from 18 to 89 and is guaranteed renewable for life, and its brochure states that rates do not increase as you age. Under 64½ it offers one base plan — a single day of confinement, with a daily benefit you size against whatever a hospital stay would actually cost you. It is on our supplemental coverage pages because it is also sold alongside Medicare, not because it is unavailable to you. Read it before you choose.
Every figure below is transcribed from ManhattanLife Central Choice brochure CC-BR 0623. Benefits, riders and amounts vary by state, and the policy issued to you governs.
Not available in Florida, Hawaii, Minnesota, Utah, Washington. Of the seventeen states this agency is licensed in, those are the ones this policy is not written in.
The base benefit, paid for each day of hospital confinement. Premier Choice $500, Select Choice $400, Enhanced Choice $100, Essential Choice $50, to a maximum of $182,500 a year.
Benefits are paid directly to the insured and treatment may be sought from any doctor and any hospital. Where a First Health Network provider is used, negotiated discounts may reduce the charge, which makes a fixed benefit go further.
The network is not part of the policy and no benefit depends on using it.
Paid on the first hospital confinement each year. Premier and Select Choice $1,000, Enhanced Choice $500, Essential Choice $100.
Based on the duration of the first hospital confinement, where it runs over 6 days. Premier and Select Choice $10,000, Enhanced and Essential Choice $5,000.
Premier Choice $2,500, Select Choice $2,000, Enhanced Choice $1,000 and Essential Choice $500 a day, limited to 20 days per confinement and $50,000 a year.
$250 a day on every plan, limited to 30 days per confinement and $7,500 per confinement.
How this is paid depends on the state. In most states it is a Daily Surgical Benefit: an amount for each day of a confinement in which one or more surgeries take place, to a maximum of 5 days per confinement, reduced to 25% when the surgery is outpatient at an ambulatory surgical centre. Premier Choice $3,000, Select Choice $2,000, Enhanced and Essential Choice $1,000 a day, to $15,000 per confinement. In Colorado and New Mexico a traditional surgical schedule is used instead, paying the same whether treatment is inpatient or outpatient, with maximums of $10,000 on Premier Choice and $5,000 on Select and Enhanced Choice.
Paid for each day a surgical benefit is paid for inpatient surgery. Premier Choice $600, Select Choice $400, Enhanced and Essential Choice $200 a day, to $3,000 per confinement. On the surgical schedule states it is $2,500 on Premier Choice and $1,250 on Select and Enhanced Choice.
$200 a calendar year on every plan toward a mammogram, pap smear or PSA test.
$250 per accident on every plan, limited to 4 different covered injuries per calendar year per insured, to $1,000 a year.
$25 to $2,000 depending on the injury, to a maximum of $2,000 per injury.
Not available in Georgia, North Carolina. Not available in Georgia or North Carolina.
Premier Choice $100, Select Choice $75, Enhanced Choice $50 and Essential Choice $25 per sickness, limited to 4 different sicknesses a year and $400 a year.
The brochure's own worked example. He holds a Central Choice Premier Choice plan, a separate Critical Protection and Recovery policy and a separate accident policy. Only the Central Choice plan is the product on this page; the other two are named because the example prices all three, and because what the accident policy pays here is worth seeing.
| Policy and benefit | Paid |
|---|---|
| Central Choice — daily room benefit, $500 a day × 7 days | $3,500 |
| Central Choice — indemnity rider, first hospital confinement of the year | $1,000 |
| Central Choice — first hospital confinement rider, over the first 6 days | $10,000 |
| Central Choice — surgical rider, $3,000 × 5 days (the maximum per confinement) | $15,000 |
| Central Choice — anaesthesia, $600 × 5 days | $3,000 |
| Central Choice — intensive care, $2,500 × 3 days | $7,500 |
| Total paid by the Central Choice Premier Choice plan — the product on this page | $40,000 |
| Critical Protection and Recovery — first occurrence benefit | $10,000 |
| Critical Protection and Recovery — monthly income, $1,000 × 12 months | $12,000 |
| Critical Protection and Recovery — hospital confinement, $300 × 7 days | $2,100 |
| Total paid by the Critical Protection and Recovery policy — a separate policy, sold on our supplemental pages | $24,100 |
| Accident policy | No benefits payable for this condition |
| Total paid across all three policies | $64,100 |
Read the $40,000 subtotal, not the $64,100 total, as what this policy does: the rest comes from two other policies bought separately. The brochure prints the monthly income row twice at $12,000 and counts it once in its $24,100 subtotal, so it appears once here. And the accident policy pays nothing at all for this claim, which is the carrier's own illustration of why an accident policy is not a substitute for a hospital one.
Manhattan Life’s own wording: The examples shown are hypothetical and may vary depending on plan(s) selected.
THIS IS A SUPPLEMENT HEALTH INSURANCE POLICY, AND IT 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.
Benefits and riders may vary by state and may not be available in all states.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $189.00 | $158.35 | $70.90 | $49.15 |
| Single with spouse | $371.25 | $309.95 | $135.05 | $91.55 |
| Single with children | $306.55 | $255.00 | $115.40 | $78.70 |
| Family | $488.80 | $406.60 | $179.55 | $120.70 |
The carrier's generic rate table for its Daily Surgical Benefit states.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $210.65 | $180.28 | $91.01 | $66.69 |
| Single with spouse | $394.30 | $333.56 | $166.02 | $117.38 |
| Single with children | $333.93 | $278.19 | $144.40 | $98.61 |
| Family | $517.58 | $431.47 | $219.41 | $149.30 |
California is priced separately. The benefits are the same as the generic states.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $185.50 | $154.85 | $67.40 | $45.65 |
| Single with spouse | $366.00 | $304.70 | $129.80 | $86.30 |
| Single with children | $301.30 | $249.75 | $110.15 | $73.05 |
| Family | $481.80 | $399.60 | $172.55 | $113.70 |
Georgia is priced separately, and the Specified Injury Rider is not available there.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $185.50 | $154.85 | $67.40 | $45.65 |
| Single with spouse | $366.00 | $304.70 | $129.80 | $86.30 |
| Single with children | $301.30 | $249.75 | $110.15 | $73.05 |
| Family | $481.80 | $399.60 | $172.55 | $113.70 |
North Carolina is priced separately, and the Specified Injury Rider is not available there.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $179.77 | $144.93 | $71.91 | $38.77 |
| Single with spouse | $352.94 | $283.26 | $137.22 | $70.94 |
| Single with children | $301.98 | $239.45 | $121.44 | $62.56 |
| Family | $475.15 | $377.78 | $186.75 | $94.73 |
Colorado uses the traditional Surgical Schedule rather than the Daily Surgical Benefit, and is priced separately.
| Who is covered | Premier Choice | Select Choice | Enhanced Choice | Essential Choice |
|---|---|---|---|---|
| Single | $197.70 | $159.15 | $78.80 | $42.05 |
| Single with spouse | $388.65 | $311.55 | $150.85 | $77.35 |
| Single with children | $330.05 | $261.50 | $132.40 | $67.80 |
| Family | $521.00 | $413.90 | $204.45 | $103.10 |
New Mexico uses the traditional Surgical Schedule rather than the Daily Surgical Benefit, and is priced separately. The same rates apply in Idaho.
Monthly rates transcribed from the carrier's brochure and subject to change. Central Choice is priced state by state, so only the tables for states this agency is licensed in are published, each headed with the states it covers. Premiums are composite rated rather than set by age, which is unusual and is why one table covers every age from 18 to 64½.
Every figure below is transcribed from ManhattanLife FirstChoice Blue Ribbon Series brochure FCBRS-MONVBR 0723 (Missouri and Nevada edition). Benefits, riders and amounts vary by state, and the policy issued to you governs.
The carrier designs the four plans around different starting points. Plan 1 is for somebody who already has cover at work or through the exchange and wants protection from a hospital claim. Plan 2 is for a higher deductible, $3,000 or more, or a faith-based ministry programme. Plan 3 is for somebody not taking an ACA plan at all who still wants guaranteed renewable benefits. Plan 4 is the highest level and the only one carrying the outpatient diagnostic procedure benefit.
Plan 1 $1,500, Plan 2 $3,000, Plan 3 $3,000, Plan 4 $4,000, paid on the first hospital confinement in a year.
Paid per day on the 2nd, 3rd, 4th, 5th and 6th days of a confinement. Plan 1 $1,000, Plan 2 $1,000, Plan 3 $3,000, Plan 4 $4,000.
Paid per day of confinement for up to 365 days. Plan 1 $100, Plan 2 $100, Plan 3 $500, Plan 4 $1,000.
Where the confinement results from an accident or injury, paid per day for up to 365 days per period of confinement. Plan 1 $500, Plans 2 and 3 $1,000, Plan 4 $1,000.
Plan 1 $250, Plan 2 $500, Plan 3 $1,000, Plan 4 $2,000 a day, limited to 20 days per confinement.
Surgery pays per day of a confinement in which a covered surgical event takes place, to a maximum of 5 days per confinement: Plan 1 $500, Plan 2 $1,000, Plan 3 $3,000, Plan 4 $4,000. Anaesthesia pays for each day a surgical benefit is paid: Plan 1 $100, Plan 2 $200, Plan 3 $600, Plan 4 $800.
Surgery and anaesthesia share a combined calendar year maximum of $50,000.
Plan 1 $100, Plan 2 $100, Plan 3 $300, Plan 4 $500 a day, to a maximum of 30 days per period of confinement.
Emergency accident pays Plan 1 $250, Plan 2 $250, Plan 3 $500, Plan 4 $500, limited to one visit per accident and four accidents a calendar year. A doctor's office visit pays Plan 1 $50, Plan 2 $50, Plan 3 $100, Plan 4 $150, limited to one visit per sickness and four visits a calendar year.
Plan 1 $10,000, Plan 2 $20,000, Plan 3 $75,000, Plan 4 $100,000, where injury leads to dismemberment or death within the period the state allows.
Spouse and child amounts differ; the policy sets them. The injury must meet the terms of the AD&D rider.
$250 a day for each day a covered diagnostic procedure is performed, four per insured person a year. Carried on Plan 4 only.
Everything set out above is transcribed from the Missouri and 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.
A cholecystectomy with a three day stay, priced across all four plan designs. The first confinement rider pays for the second and third days; the surgical rider pays for each of the three.
| Benefit | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Lump sum on the first confinement | $1,500 | $3,000 | $3,000 | $4,000 |
| Hospital injury indemnity | X | X | X | X |
| First confinement, days 2 to 6 | $2,000 | $2,000 | $6,000 | $8,000 |
| Intensive care | X | X | X | X |
| Surgical | $1,500 | $3,000 | $9,000 | $12,000 |
| Anaesthesia | $300 | $600 | $1,800 | $2,400 |
| Daily room benefit | $300 | $300 | $1,500 | $3,000 |
| Private duty nurse | X | X | X | X |
| Emergency accident | X | X | X | X |
| Doctor's office visit | X | X | X | X |
| Accidental death and dismemberment | X | X | X | X |
| Outpatient diagnostic procedure | X | X | X | X |
| Total benefit payment | $5,600 | $8,900 | $21,300 | $29,400 |
X marks a benefit the policy carries that this claim did not trigger. Nothing was billed to intensive care, a private duty nurse, an emergency accident, a doctor's office visit or the outpatient diagnostic procedure benefit, so none of them paid.
Our note on this example: These are illustrations, not policyholders and not claims. They are the carrier's own worked examples, and they show what each of the four plan designs would have paid on the stay described — not what any real person received. The figures are from the Missouri and Nevada edition of the brochure, and of the states we are licensed in that is Nevada. Ask us for your own state's edition before relying on any number here.
Because the confinement follows an accident, the hospital injury indemnity pays for all eight days on top of everything else. The first confinement rider reaches its six day limit and the surgical rider reaches its five day limit.
| Benefit | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Lump sum on the first confinement | $1,500 | $3,000 | $3,000 | $4,000 |
| Hospital injury indemnity | $4,000 | $8,000 | $8,000 | $8,000 |
| First confinement, days 2 to 6 | $5,000 | $5,000 | $15,000 | $20,000 |
| Intensive care | X | X | X | X |
| Surgical | $2,500 | $5,000 | $15,000 | $20,000 |
| Anaesthesia | $500 | $1,000 | $3,000 | $4,000 |
| Daily room benefit | $800 | $800 | $4,000 | $8,000 |
| Private duty nurse | X | X | X | X |
| Emergency accident | X | X | X | X |
| Doctor's office visit | X | X | X | X |
| Accidental death and dismemberment | X | X | X | X |
| Outpatient diagnostic procedure | X | X | X | X |
| Total benefit payment | $14,300 | $22,800 | $48,000 | $64,000 |
This is the example that shows what the accident side of the policy is worth: the hospital injury indemnity alone pays $4,000 on Plan 1 and $8,000 on the other three, and it is paid in addition to the room benefit rather than instead of it.
Our note on this example: These are illustrations, not policyholders and not claims. They are the carrier's own worked examples, and they show what each of the four plan designs would have paid on the stay described — not what any real person received. The figures are from the Missouri and Nevada edition of the brochure, and of the states we are licensed in that is Nevada. Ask us for your own state's edition before relying on any number here.
The longest of the three. Intensive care pays for three days, the private duty nurse for all ten, and the daily room benefit for all ten.
| Benefit | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Lump sum on the first confinement | $1,500 | $3,000 | $3,000 | $4,000 |
| Hospital injury indemnity | X | X | X | X |
| First confinement, days 2 to 6 | $5,000 | $5,000 | $15,000 | $20,000 |
| Intensive care | $750 | $1,500 | $3,000 | $6,000 |
| Surgical | $2,500 | $5,000 | $15,000 | $20,000 |
| Anaesthesia | $500 | $1,000 | $3,000 | $4,000 |
| Daily room benefit | $1,000 | $1,000 | $5,000 | $10,000 |
| Private duty nurse | $1,000 | $1,000 | $3,000 | $5,000 |
| Emergency accident | X | X | X | X |
| Doctor's office visit | X | X | X | X |
| Accidental death and dismemberment | X | X | X | X |
| Outpatient diagnostic procedure | X | X | X | X |
| Total benefit payment | $12,250 | $17,500 | $47,000 | $69,000 |
Compare this against the same surgery in the Central Choice example on this page. The two policies are built differently and a long stay with intensive care is where the difference shows.
Our note on this example: These are illustrations, not policyholders and not claims. They are the carrier's own worked examples, and they show what each of the four plan designs would have paid on the stay described — not what any real person received. The figures are from the Missouri and Nevada edition of the brochure, and of the states we are licensed in that is Nevada. Ask us for your own state's edition before relying on any number here.
THIS POLICY PROVIDES LIMITED BENEFITS.
This is not a complete disclosure of plan qualifications and limitations. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
| Age at issue | Employee | Employee and spouse | Employee and children | Family |
|---|---|---|---|---|
| 18 to 39 | $47.60 | $87.90 | $82.98 | $123.28 |
| 40 to 59 | $64.65 | $121.85 | $100.03 | $157.23 |
| 60 to 65 | $74.85 | $142.10 | $110.23 | $177.48 |
| Age at issue | Employee | Employee and spouse | Employee and children | Family |
|---|---|---|---|---|
| 18 to 39 | $67.50 | $127.40 | $120.09 | $179.99 |
| 40 to 59 | $93.75 | $179.60 | $146.34 | $232.19 |
| 60 to 65 | $109.90 | $211.60 | $162.49 | $264.19 |
| Age at issue | Employee | Employee and spouse | Employee and children | Family |
|---|---|---|---|---|
| 18 to 39 | $136.60 | $263.95 | $245.61 | $372.96 |
| 40 to 59 | $186.50 | $362.63 | $295.51 | $471.64 |
| 60 to 65 | $220.60 | $429.70 | $329.61 | $538.71 |
| Age at issue | Employee | Employee and spouse | Employee and children | Family |
|---|---|---|---|---|
| 18 to 39 | $215.08 | $420.16 | $386.94 | $592.02 |
| 40 to 59 | $291.05 | $570.60 | $462.91 | $742.46 |
| 60 to 65 | $347.10 | $681.20 | $518.96 | $853.06 |
Monthly premiums from the Missouri and Nevada edition of the carrier's brochure, transcribed 2026-09-23 and subject to change. Of the states this agency is licensed in, that edition covers Nevada. Where a spouse is covered the rate comes from the older of the two. Ask us for the brochure and rates for your own state rather than reading these as national.
Every figure below is transcribed from ManhattanLife Out-of-Pocket Protection Plan brochure GAP15-BR 0320, with underwriting and policy terms from the Nevada application for insurance GAP15AP-NV 0515. Benefits, riders and amounts vary by state, and the policy issued to you governs.
The right to renew runs to the earlier of two things — the day you become insured under Medicare, or age 69. In California it is age 65 rather than 69. Nothing else on this page ends on a Medicare trigger, so if you expect to take Medicare early through disability, or at 65, this is the policy that stops then.
It is also conditionally rather than guaranteed renewable. The brochure is clear that this does not let the company cancel you for your health or for claiming, and that is worth knowing — but it is a different word from the one the other two policies use and you should see it before you compare premiums.
$2,500, $5,000 or $6,350 paid on being admitted to hospital as a resident inpatient, once a year. In Utah it is once per period of confinement rather than once a year.
Choose it against the most your own major medical plan can leave you to pay in a year, rather than against a feeling — that is the number this benefit is shaped around. It is the benefit the policy is built around, and it is the reason to prefer it over a design that pays mostly by the day.
$100 or $200 a day while confined as a resident inpatient, to a maximum of 10 days per hospital confinement. In Maine, Texas and Utah the maximum is 31 days. In Florida it is payable for the first 20 days and then $10 or $20 a day for the next 11, depending on the level chosen.
Not payable for treatment of mental or nervous disorders or substance abuse. A day means a 24 hour period for which room and board is charged, and being a resident inpatient means assigned to a bed for an overnight stay on a physician's advice.
$50 a visit, twice a year for each insured person.
The policy covers complications of pregnancy but not pregnancy itself — except in Florida, Maryland, Mississippi, New Mexico and Ohio, where it covers pregnancy and its complications both.
Of the states this agency is licensed in, that exception reaches Florida, New Mexico and Ohio. Everywhere else, the pregnancy itself is not covered.
Benefits are paid directly to you unless you assign them to your provider, and they can be paid as a lump sum. They pay in addition to all other insurance, with no deductible and no network.
You must send a claim form with an ITEMISED STATEMENT attached. That is a step the fixed indemnity policies on this site do not all require, and it is worth knowing before you need it.
$1,000, $2,000 or $3,000 for surgical services in an ambulatory surgical centre or an outpatient hospital facility, twice a year.
The brochure directs you to the policy for the limitations on this benefit rather than listing them, so ask for them.
$250 for each emergency treatment where an injury needs emergency care from a physician in an emergency room or urgent care facility, four times a year. Treatment must be within 72 hours of the injury.
$250 is the maximum benefit per injury. In Florida it is limited to twice a year and is payable only if you are admitted as an inpatient within 24 hours of the emergency treatment.
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.
This does not appear in the sales brochure, and it changes what the policy is worth to you. Ask for it 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.
THIS HOSPITAL INDEMNITY INSURANCE PLAN 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.
THIS POLICY PROVIDES LIMITED BENEFITS.
Conditionally renewable to age 69 (in CA, age 65) - Your Policy cannot be canceled regardless of changes in health or the number of times benefits are received. You have the right to renew this Policy until the earliest of when You become insured under Medicare or attain age 69 (in CA, age 65) if You pay the correct premium when due or within the Grace Period. The Company reserves the right to change the rates on all policies of this class in the entire state.
Benefits and riders may vary by state and may not be available in all states.
This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the Out-of-Pocket Protection Plan product at disclosure.manhattanlife.com. Please review this information before applying for coverage. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.
Age, mostly, and the exact ages differ. Two of the three policies here stop at 65 and the third stops at the earlier of Medicare or 69, 65 in California. Our supplemental page carries two more: one guaranteed issue from 64½ to 75 and bought alongside Medicare, and one issued from 18 all the way to 89 and guaranteed renewable for life. So the hand-off is not as clean as it looks, and that is in your favour: under 64½ you have four to choose from, and one of those is the only one you will never have to replace. Ask us to put them beside each other.
Mostly not — the core of the policy is hospital confinement. There are riders that reach beyond it: outpatient sickness, emergency accident, routine screening and outpatient surgery at an ambulatory centre. But if you are looking for something that pays for ordinary doctor visits and prescriptions, this is not it, and fixed indemnity coverage on our other page is closer.
No, and it is the one thing that genuinely differs by state. Most states get a Daily Surgical Benefit, which pays for each day of a confinement in which surgery happens, up to five days, reduced to a quarter for outpatient surgery at an ambulatory centre. Colorado and New Mexico get a traditional surgical schedule instead, which pays the same whether you are admitted or not. Both are described below.
Central Choice reaches twelve of the seventeen we are licensed in — it is not written in Florida, Hawaii, Minnesota, Utah or Washington, and a few states drop individual riders, the Specified Injury Rider being unavailable in Georgia and North Carolina. The FirstChoice brochure we hold is the Missouri and Nevada edition, so of our states its schedule and rates are Nevada's. Other states have their own editions; ask and we will get the right one rather than let you read across from this.
Because the premiums are composite rated rather than set by age, which is unusual and worth knowing. A 24-year-old and a 60-year-old in the same state on the same plan pay the same. That makes it comparatively poor value young and comparatively good value in your late fifties and early sixties.
Tell us your state and roughly what you are dealing with. If a Marketplace plan is the better answer for you we will say so — it costs us nothing to be straight about that and it costs you a great deal if we are not.