Manhattan Life Contracting & Appointment

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State Availability

Last review date: 05/19/2023

AL AR AZ CA CO DC DE FL GA IA ID IL IN KS KY LA MD MI MO MS MT NC ND NE NJ NM OH OK OR PA SC SD TN TX UT VA WI WV WY

Plan Information

Issue ages 18–85.

Description & Plan Details:

• Two policy options with family coverage available.
• Choose your dentist – In network or out of network.
• Guaranteed issue 18-85.
• Policy year benefit option available: $1,000 – $3,000.
• Guaranteed renewable for life.

Dental Coverage:

• Preventive services include semi-annual exams, cleaning, and x-rays.
• No waiting period on preventive services.
• Basic services include x-ray, fillings, and extractions(other than “full mouth”).
• No waiting period on basic services.
• Major services include bridges, crowns, full dentures or partials, full mouth extractions, and root canals.

Rates are tiered at individual only and family rates include a maximum of three children. Additional children beyond the maximum number are charged the age 3-17 rate per person. Not available in all states.

This is a limited benefit insurance policy for dental, vision and hearing expenses. Policy is guaranteed issue, guaranteed renewable for life in most states and is subject to company’s right to change premiums. Vision and hearing coverage are available as riders in some states.

Vision coverage:

• Includes basic eye exam, eye refraction, and the cost of eyeglasses or contact lenses.
• Waiting period is 6 months on eyeglasses and contact lenses.

Hearing coverage:

• Includes exam, hearing aid, and necessary repairs or supplies.
• Waiting period is 12 months on new hearing aids and existing hearing aid repairs.

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State Availability

Last review date: 05/19/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA ME MI MO MS ND NE NJ NM OH OK OR PA SC TN TX UT WI WV WY

Plan Information

Issue ages 18–99.

Description & Plan Details:

• Choose your dentist – In network or out of network.
• Guaranteed issue 18-99.
• Policy year maximum benefit: $1,000, $1,500 or $3,000.
• Guaranteed renewable for life.
• Ability to choose specific benefits (dental only, dental & vision, dental & hearing, dental hearing & vision).

Dental Coverage:

• Preventive services include semi-annual exams, cleaning, and x-rays. Semi-annual fluoride treatment for 16 and under. No waiting period.
• Basic services include limited oral evaluation, diagnostic consultation, emergency palliative treatment, panoramic x-ray, periapical x-ray, periodontal non-surgical service, basic restorative service, filling, basic oral surgery, periodontal service, and non-surgical extraction. No waiting period.
• Major services include major restorative services, inlay/onlay/crown, endodontic service, periodontal service, prosthodontic service, and implants.
• All other medically necessary services.
• Orthodontia services include straightening of teeth (for all ages) – 12 month waiting period. Lifetime max $1,500.

Rates are tiered at individual only and family rates include a maximum of three children. Additional children beyond the maximum number are charged the age 3-17 rate per person. Not available in all states.

Vision Rider:

• Eye exam, single, trifocal, bifocal and progressive lenses, and refraction.
• Eyeglass frames (6 month waiting period).
• Anti-reflective lenses, polycarbonate lenses, contact lens fitting fee (yearly).
• Contact lenses.

Hearing Rider:

• Hearing exam, hearing aid, and necessary repairs or supplies.
• Waiting period is 12 months on new hearing aids and existing hearing aid repairs.

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State Availability

Last review date: 05/19/2023

AL AR AZ DE GA IA ID IL IN KS KY LA MD MI MO MS NC ND NE NJ NM NV OH OK OR PA SC SD TN TX UT VA WI WV WY

Plan Information

Description & Plan Details:

ManhattanLife Assurance offers 4 standardized insurance plans that include plan A, F, G and N.

Additional Plan Details:

• Immediate coverage.
• No waiting period for pre-existing conditions.
• Benefits are paid directly to member, hospital, or doctor.
• Policy is guaranteed renewable.

Plans offered vary by state.

Some information may vary by state. See state-specific information and rates.

View this information as a web page.

State Availability

Last review date: 05/19/2023

AL AR AZ CA CO DC DE IA ID IL IN KS KY LA MD MI MN MO MS MT NC ND NE NH NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Description & Plan Details:

• Pays up to three lump sum benefits (four with the Recurrence Benefit).
• Pays regardless of additional coverage.
• Types of critical events covered: heart attack, stroke, coma, major third-degree burns, major human organ transplant, coronary artery bypass surgery, paralysis, end-stage renal failure and cancer.
• All benefits paid directly to member.

Included in all 4 plans:

Ambulance Benefit

Ambulance transportation must occur within 180 days following the occurrence of the most recent Covered Specified Health Event.

Limit: Twice per occurrence of Covered Specified Health Event.

No lifetime maximum.

Transportation Benefit

Pays transportation costs when prescribed medical treatment that must be provided in a Hospital or medical facility that is located outside of a 75-mile radius of the residence. This benefit is limited to $1,500 per occurrence of a Covered Specified Health Event. Must be within 180 days of Covered Specified Health Event.

No lifetime maximum.

Lodging Benefit

Actual charges incurred for the Covered Person or any one adult member of the immediate family when a covered person receives prescribed special medical treatment at a Hospital or medical facility that is located outside of a 75-mile radius of the residence of the Covered Person within 180 days of Covered Specified Health Event. Not payable for lodging occurring more than 24 hours before or after special medical treatment.

No lifetime maximum.

Waiver of Premium Benefit (Does not apply in NJ)

If the Named Insured becomes Totally Disabled for 60 days as a result of a Covered Specified Health Event, ManhattanLife Assurance Company of America/The Manhattan Life Insurance Company will waive the premiums that fall due for the remainder of that person’s Total Disability. (Disability must occur prior to age 60. Premiums must continue to be paid for 60 days after commencement of disability. Benefit does not apply to spouse and children.)

Plans vary by state.

View this information as a web page.

State Availability

Last review date: 05/19/2023

AL AR AZ CA FL GA HI IA IL IN KY LA MD ME MI MN MO MS MT NC ND NE NM NV OH OK PA SC SD TN TX UT WA WI WV WY

Plan Information

Description & Plan Details:

• Pays directly to member unless benefits assigned to provider(s).
• Choice of benefits and premiums.
• Pays in addition to all other insurance.
• No deductibles.
• No networks.

Benefits include: DAILY INPATIENT HOSPITAL CONFINEMENT BENEFIT (per hospital admission) If member is confined in a hospital as a resident inpatient. Pays the daily inpatient benefit member selects (maximum of 10 days) (in ME, TX and UT, 31 days) per hospital confinement. In FL, payable for first 20 days of confinement then $10/$20 for next 11 days – depending on benefit level selected. This benefit is not payable for the treatment of Mental/Nervous disorders and substance abuse (in UT, or substance disorder).

HOSPITAL ADMISSION BENEFIT (1 per year) (in UT, 1 per each period of confinement) If member is admitted to a hospital as a resident inpatient. Pays the Hospital Admission Benefit selected.

DOCTOR OFFICE VISIT (2 per year)

Optional Benefits:

OUTPATIENT SURGERY BENEFIT (2 per year) For surgical services rendered in an Ambulatory Surgical Center or Outpatient Hospital Facility, pays the amount selected for outpatient surgery.

EMERGENCY ACCIDENT BENEFIT (4 per year) (FL maximum 2 per year) If member sustains an injury which requires emergency care by a physician in an emergency room or urgent care facility, pays the amount per emergency treatment. The treatment must be received within 72 hours of the injury. In FL, this benefit is payable only if member is confined as an inpatient within 24 hours of emergency treatment.

Plans vary by state.

View this information as a web page.

State Availability

Last review date: 05/19/2023

AL AR AZ CA DE FL GA HI IA IL IN KY LA MD ME MI MN MO MS MT NC ND NE NM NV OK OR PA RI SC SD TN TX UT VA WI WV WY

Plan Information

Description & Plan Details:

Some benefits include Inpatient Hospital Confinement / Building Benefit Injury Reimbursement $1,000,000 calendar year limit. Prescription Benefit $750 calendar year max. Allergy Shots & Immunizations $100 calendar year max. Hospital Admission Benefits, Emergency Room, Urgent Care, Surgery Benefit, Ambulatory Surgical Benefit, Doctor’s Office Visits with Rollover, Outpatient Medical Benefit.

Choose from four different plan options: Elite Plus, Elite, Classic Plus and Classic. Affordable Choice plans pay a set of daily benefits for covered services, regardless of what your provider charges.

• No deductibles or coinsurance
• Hospital admission benefit.
• Cancer benefit included.
• First dollar doctor visits.
• Prescription benefit.
• Additional sponsored benefits include Teladoc and HealthAdvocate.
• E-App available.

Plans vary by state.

View this information as a web page.

State Availability

Last review date: 05/19/2023

AL AR AZ CA CO CT DC DE FL GA IA ID IL IN KS KY LA MA MD MN MO MS MT NC ND NE NH NJ NM NV OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY

Plan Information

Description & Plan Details: Cancer and Specified Disease Insurance Protection with Optional Critical Care Rider Available.

4 different benefit packages available. Benefits include: Cancer Screening, First Occurrence (Rider), Daily Hospital Confinement, Surgical and Radiation, Chemotherapy and Immunotherapy Benefit.

The following defines the list of Dread Diseases covered under the Policy: Addison’s Disease • Muscular Dystrophy • Tay-Sachs Disease • Amyotrophic Lateral Sclerosis • Myasthenia Gravis • Tetanus • Diphtheria • Niemann-Pick Disease • Toxic Epidermal Necrolysis • Encephalitis • Osteomyelitis • Toxic Shock Syndrome • Epilepsy • Poliomyelitis • Tuberculosis • Legionnaire’s Disease • Reye’s Syndrome • Tularemia • Lupus Erythematosus • Rheumatic Fever • Typhoid Fever • Meningitis • Rocky Mountain Spotted Fever • Whipple’s Disease • Multiple Sclerosis • Sickle-Cell Anemia • Whooping Cough

Hospital and Other Care Facility Benefits:

Prescribed Drugs & Medication – Actual charges to a max of 20% of the Daily Hospital Confinement Benefit.

Physician’s Attendance – $50 per day.

Ambulance – $250 per trip / 3 trips per year.

Private Duty Nursing Service – $150 per day.

Extended Benefits – $1,000 per day.

Government or Charity Hospital – $200 per day.

Extended Care Facility – $100 for each day of confinement to a max of 70 days.

Hospice Care – $100 per day.

TRANSPORTATION BENEFITS:

• Transportation and Lodging for Bone Marrow Donors
• Transportation for Non-Local Treatment Which Requires Hospital
• Transportation and Lodging for Non-Local Treatment Which Does Not Require Hospital Confinement
• Adult Companion Transportation and Lodging

Surgical Benefits – Anesthesia, Additional Surgical Opinions, Artificial Limb and Prosthesis, Outpatient Surgery Benefit, Skin Cancer, Breast Reconstruction/Breast Prothesis, Bone Marrow Transplant for Cancer.

Other Benefits include: Experimental Treatment, Physical, Occupational or Speech Therapy, Outpatient Positive Diagnosis Test, Blood and Blood Plasma, Home Health Care Services, Hairpiece Benefit, Rental or Purchase of Durable Medical Equipment, Professional Mental Health Consultation, Tutor, Mammography Benefit, Pap Smear Benefit.

Optional Riders (available at additional cost):

Intensive Care Unit Rider: Benefit for Intensive Care Unit – Pays $600 per day. Benefit for Step-Down Unit – Pays $300 per day.

Critical Care Benefit Rider: Benefit for Heart Disease – Pays actual charges to lifetime max $2,500. Benefit for Heart Attack / Stroke – Pays actual charges to lifetime max $5,000.

Plans vary by state.

View this information as a web page.

State Availability

Last review date: 05/19/2023

AL AR AZ CA CO DC FL GA HI IA ID IL KS KY LA MD ME MO MS MT NC ND NE NM NV OH OK PA RI SC SD TN TX UT WI WV

Plan Information

Issue ages 20–84.

Description & Plan Details:

Cancer and/or Heart and Stroke is part of the ManhattanLife Lighthouse Series of products and allows seniors the ability to tailor coverage to their specific needs and is underwritten by Standard Life. Policyholders can build the coverage that matters to them: cancer only coverage, heart & stroke coverage, combination cancer and heart & stroke.

• Issue Ages 20-84.
• Benefits paid directly to insured.
• Lump sum cancer benefit.
• Lump sum heart & stroke benefits.
• Max $75,000 for each coverage option & rider.
• Guaranteed renewable for life as long as premiums are paid.

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State Availability

Last review date: 05/19/2023

AL AR AZ CO DC DE GA HI IA IL IN KS KY LA MD MI MO MS MT NC NE NV OH OK PA SC SD TN TX WV WY

Plan Information

Description & Plan Details:

ManhattanLife’s Home Health Care plan allows members the flexibility and financial support needed to recover at home. This plan, underwritten by Standard Life, offers home health care benefits, home health care aide, prescription drug benefit, restoration of benefits, and extra benefit riders.

Plan features and benefits are:

• Guaranteed renewable for life.
• 30 Day Free Look period to examine the policy.
• 2 People can apply using 1 application.

Home Health Care Benefits – Daily max benefit of $150-$450 for skilled nursing, general nursing, physical therapy, speech pathology, occupational therapy, chemotherapy, enterostomal therapy, respiration therapy and medical social services.

Home Health Care Aide – Daily benefit for each day member requires services immediately following a hospital confinement for a minimum of three days.

Prescription Drug Benefit – Per prescription benefit of $10/Generic or $25/Brand.

Restoration of Benefits – The maximum benefit period for home health care and aide benefit will be restored if benefits have not been paid or required for 180 consecutive days.

Riders include:

• Extra Benefits Rider: Annual Physical Examination Benefit, Accidental Death and Dismemberment Benefit and Home Medical Equipment Benefit.
• Ambulance Benefit Rider.
• Critical Accident Benefit Rider

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State Availability

Last review date: 08/24/2023

AL AR GA KY LA MO MS NV OH OK SC SD TN TX

Plan Information

Accidents happen when you least expect it.  AccidentGuard helps you to be prepared for life’s unexpected accidents.  Issued from ages 0-75 and guaranteed renewable to age 80.  This plan offers a broad choice of benefit levels and covers accidents that happen at home, work, play, or while traveling.  It pays regardless of other insurance.

• Medical Expenses
• Air and Ground Ambulance
• Accidental Death
• Accidental Dismembermentent