With major medical plan prices and deductibles on the rise, some customers need a different way to get the health care they need.  That's where a Fixed Benefit product combined with affordably priced supplemental products will meet customer needs.

The New and Improved Affordable Choice
A Hospital confinement and other Fixed Indemnity Insurance Policy

• Available in 37 States
• Male & Female rates are the same
• No increase in rates for tobacco usage
• Child only coverage starting after newborns 6 week exam
• Continuous coverage with stable rates from one year to the next (Unlike STM)
• No waiting periods for any coverage’s and coverage can begin/eff. next day 1st-28th of the month
• Pre-existing conditions covered after 1st year (Unlike STM)
• $5 million lifetime max per insured (Like the best major medical plans pre-ACA)
• No Deductibles, co-insurance or co-pays,1 st dollar coverage’s that can pay in excess of your actual medical bills to be used for other expenses. (Like AFLAC)
• $8,000 hospital room & board coverage 1 st day and $5,000 each additional day to $1 million max. per yr.
• Doc visits, Rx and preventive coverage (also Rx-edo card included)
• TelaDoc unlimited & no per usage charge included with every plan (except child only)
• Multiplan (PHCS) network is complimentary but not required to use (they submit claim)
• Karis 360 (#1 bill negotiator and patient advocate company) included
• Surgical Schedule is 300% of Medicare schedule for surgery
• Optional GAP plan pays for routine maternity delivery in a hospital
• Type 2 non- insulin Diabetics accepted

The Lighthouse Series is an excellent new addition to ManhattanLife, with an exclusive line of products that focuses on Seniors. This series includes five robust products designed to provide supplemental coverage for Seniors. Contact Tessa at 800-544-8250 to learn more.

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