Home Health Care Rate Guide
Underwritten by: ManhattanLife Insurance and Annuity Company and Standard Life and Casualty Insurance Company
HHC-RATES 0426
For Agent use only
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
2
HHCS Rates 0426
TABLE OF CONTENTS § Home Health Care Enhanced Monthly Base and Rider rates for: AL, AR, AZ, GA, IA, LA, NC, OK, TX, WI § Home Health Care Enhanced Monthly Base and Rider rates for: MI, SC, TN § Home Health Care Enhanced Monthly Base and Rider rates for: MO, WV § Home Health Care Select Monthly Base and Rider rates for: AK, DC, DE, HI, ID, IL, MT, NE, NV, OR, PA, RI, WY § Home Health Care Select Monthly Base and Rider rates for: CO, IN, OH § Home Health Care Select Monthly Base and Rider rates for: ME § Home Health Care Select Monthly Base and Rider rates for: MD § Home Health Care Select Monthly Base and Rider rates for: MS § Home Health Care Select Monthly Base and Rider rates for: SD § Home Health Care Select Monthly Base and Rider rates for: NH § Home Health Care Select Monthly Base and Rider rates for: ND § Home Health Care Select Monthly Base and Rider rates for: VA
§ Home Health Care Monthly Base and Rider rates for: KS § Home Health Care Monthly Base and Rider rates for: KY
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
4
HHCS Rates 0426
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Enhanced Rates are for: AL, AR, AZ, GA, IA, LA, NC, OK, TX, WI
Monthly Base Rates + RX Attained Age
Classic $15.10 $15.89 $17.24 $19.85 $21.85 $25.84 $36.45 $50.63 $68.90 $88.06
Premier $24.75 $26.06 $28.26 $32.51 $35.96 $42.85 $66.94 $93.17 $126.95 $162.87
Deluxe $33.08 $34.82 $37.73 $43.40 $48.24 $57.91 $91.69 $130.91 $181.52 $235.06
Under 45
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67 *Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Enhanced Rates are for: MI, SC, TN Monthly Base Rates + RX Attained Age Classic Premier
Deluxe $30.23 $31.82 $34.48 $39.66 $44.08 $52.93 $83.80 $119.63 $165.89 $214.82
Under 45
$13.80 $14.52 $15.76 $18.14 $19.97 $23.62 $33.31 $46.27 $62.97 $80.48
$22.62 $23.82 $25.83 $29.71 $32.87 $39.16 $61.17 $85.14 $116.02 $148.84
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67 *Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
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HHCS Rates 0426
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Enhanced Rates are for: MO, WV Monthly Base Rates + RX (no policy fee) Attained Age Classic Premier
Deluxe $34.75 $36.49 $39.40 $45.07 $49.91 $59.58 $93.36 $132.58 $183.19 $236.73
Under 45
$16.77 $17.56 $18.91 $21.52 $23.52 $27.51 $38.12 $52.30 $70.57 $89.73
$26.42 $27.73 $29.93 $34.18 $37.63 $44.52 $68.61 $94.84 $128.62 $164.54
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor.
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: AK, DC, DE, HI, ID, IL, MT, NE, NV, OR, PA, RI, WY
Monthly Base Rates + RX Attained Age
Classic $14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53 $2.43
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67 *Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: CO, IN, OH Monthly Base Rates + RX Attained Age Classic
Premier $22.56 $24.48 $28.17 $30.99 $36.62 $56.34 $76.06 $101.41 $128.52
Deluxe $23.61 $25.60 $29.44 $32.66 $39.09 $61.58 $87.06 $119.91 $154.72
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.10 $15.29 $17.60 $19.37 $22.89 $35.21 $47.53 $63.38 $79.43
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance*
Accidental Death & Dismemberment
Home Medical Equipment Routine Annual Exam*
*Not available in CO.
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: ME Monthly Base Rates + RX Attained Age Classic
Premier $24.23 $26.15 $29.84 $32.66 $38.29 $58.01 $77.73 $103.08 $130.19
Deluxe $25.28 $27.27 $31.11 $34.33 $40.76 $63.25 $88.73 $121.58 $156.39
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$15.77 $16.96 $19.27 $21.04 $24.56 $36.88 $49.20 $65.05 $81.99
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: MD Monthly Base Rates + RX Attained Age Classic
Premier $22.56 $24.48 $28.17 $30.99 $36.62 $56.34 $76.06 $101.41 $128.52
Deluxe $23.61 $25.60 $29.44 $32.66 $39.09 $61.58 $87.06 $119.91 $154.72
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.10 $15.29 $17.60 $19.37 $22.89 $35.21 $47.53 $63.38 $80.32
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: MS Monthly Base Rates + RX Attained Age Classic
Premier $25.03 $27.06 $30.97 $33.95 $39.90 $60.77 $81.63 $108.44 $137.12
Deluxe $26.14 $28.24 $32.32 $35.72 $42.52 $66.31 $93.27 $128.01 $164.84
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$16.09 $17.35 $19.79 $21.66 $25.38 $38.42 $51.46 $68.21 $86.13
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.68 $5.35 $1.03 $1.00 $4.32 $2.32
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: SD Monthly Base Rates + RX Attained Age Classic
Premier $20.63 $22.38 $25.75 $28.33 $33.48 $51.51 $69.54 $92.71 $117.50
Deluxe $21.59 $23.40 $26.92 $29.86 $35.74 $56.30 $79.60 $109.63 $141.46
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$12.90 $13.98 $16.10 $17.71 $20.93 $32.19 $43.46 $57.94 $73.44
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.45 $4.91 $0.94 $0.92 $2.12 $3.96
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
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HHCS Rates 0426
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: NH
Monthly Base Rates + RX Attained Age
Classic $14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.80 $5.61 $1.08 $1.05 $4.53
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: ND Monthly Base Rates + RX Attained Age Classic
Premier $17.56 $19.05 $21.93 $24.13 $28.51 $43.86 $59.21 $78.95 $100.06
Deluxe $18.38 $19.92 $22.92 $25.43 $30.44 $47.94 $67.77 $93.35 $120.45
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$10.98 $11.91 $13.71 $15.07 $17.82 $27.41 $37.01 $49.34 $62.54
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$0.81 $2.11 $4.21 $0.80 $3.43 $1.84
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Routine Annual Exam
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
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HHCS Rates 0426
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Select Rates are for: VA Monthly Base Rates + RX Attained Age Classic
Premier $23.86 $25.89 $29.80 $32.78 $38.74 $59.60 $80.46 $107.28 $135.95
Deluxe $24.98 $27.08 $31.15 $34.56 $41.36 $65.14 $92.10 $126.85 $163.67
45-49 50-54 55-59 60-64 65-69 70-74 75-79 80-84 85-89
$14.92 $16.18 $18.63 $20.49 $24.21 $37.25 $50.29 $67.05 $84.97
Monthly Rider Rates Rider
Insured
Accident Expense $1,250 Accident Expense $2,500
$2.94 $5.89 $1.08 $1.05 $4.53
Ambulance
Accidental Death & Dismemberment
Home Medical Equipment
Modal Factors* Annual: Monthly ÷ 0.0833
Semi-Annual: 0.5 x Annual
Quarterly: 0.25 x Annual
How To Calculate Example Step 1: Locate the Monthly Base Rates + RX attained age band rate for the plan selected for the age of the individual at time of application. Step 2: Add any selected Monthly Rider Rates to generate a Monthly Rate subtotal for all plan options selected. Step 3: Calculate the subtotal by the Modal Factor. Step 4: Once your desired premium modal has been calculated add the policy fee. Annual: + $20.00 Semi-Annual: + $10.00 Quarterly: + $5.00 Monthly: + $1.67
*Premiums are rounded to the nearest penny after the application of the modal factor. When calculating the Semi-Annual or Quarterly premium, please calculate the Annual rate first and then apply the appropriate calculation as outlined.
16
HHCS Rates 0426
ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Rates are for: KS
Monthly Base Rates (includes $20 Annual Policy Fee) Attained Age Classic Premier
Deluxe $32.82 $36.23 $43.03 $66.81 $93.77 $128.52
55-60 61-64 65-70 71-75 76-80 81-85
$20.30 $22.16 $25.88 $38.92 $51.96 $68.72
$31.47 $34.45 $40.41 $61.27 $82.13 $108.95
Monthly Rider Rates Rider
Insured
Insured/Spouse
Ambulance Rider
$1.08
$2.15
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Home Health Care Rates are for: KY
Monthly Base Rates (includes $20 Annual Policy Fee)
Attained Age
Classic
Premier
Deluxe
55-60
$21.04
$32.66
$34.07
61-64
$22.98
$35.77
$37.61
65-70
$45.58
$71.93
$80.02
71-75
$45.58
$71.93
$80.02
76-80
$45.58
$71.93
$80.02
81-85
$45.58
$71.93
$80.02
HHCS Rates 0426
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ManhattanLife Insurance and Annuity Company Standard Life and Casualty Insurance Company
Rate Guide | Home Health Care
Notes:_ _____________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________ ___________________________________________________
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HHCS Rates 0426
Underwritten by: ManhattanLife Insurance and Annuity Company and Standard Life and Casualty Insurance Company Administrative Office: 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-669-9030
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