OmniFlex ™ Short-Term Care Frequently Asked Questions Benefits Continued If multiple Short-Term Care/Long-Term Care plans are owned by an individual, will both pay benefits at claim time? OmniFlex™ does not limit benefit payments based on other Short Term Care/Long Term Care policies. However, an insured can only have one Short-Term Care policy with ManhattanLife.. How does the Restoration of Benefits work on OmniFlex™? After a period of 180 days in which no care is needed and no benefit paid out, the Facility Care and/or Home Health Care Benefit Period restores. Restoration could be used multiple times, until the OmniFlex™ will reimburse $10 for Generic and $25 for Brand name prescriptions/refills, up to $300 per year. Under Home Health Aide benefit, can the insured use licensed Home Care companies like Amada, Visiting Angels, etc.? As long as it is a licensed Home Care Company and it is included in the plan of care, it should be covered. When the optional Simple Inflation Benefit is chosen, can the applicant choose whether it would apply just to Facility or Home Health Care? No. The optional Simple Inflation Benefit is applied for automatically, applies to both Facility and Home Health Care benefits (if Home Health Care Rider is chosen). How often can an insured switch between receiving Fast-50 Cash and Indemnity benefits? Currently there is no policy language limiting the timeframe. Requests to switch between Fast-50 and Indemnity benefits should be made to ManhattanLife in Switching from Fast 50 to indemnity benefits requires the full elimination period to be met. Payment of benefits under the Fast 50 does not satisfy any of the elimination periods. Does OmniFlex™ Indemnity benefit pay outside of the United States? No, OmniFlex™ benefits are not payable outside of the United States. If the Home Health Care Rider is paid and then insured goes into a facility, would the Facility Benefit pay? Are they paid separately and independent of each other? An insured would either be on a Home Health Care claim or on a Facility Care claim. The Home Health Care rider would pay separate from someone in a facility. After the Elimination Period is satisfied, is a check mailed immediately, or at the end of the month? The insured would only be eligible for benefits for the days services were rendered. After services are rendered, a claim will need to be filed showing the detail of those services. What is the timing for claim checks to be mailed to the policyholder? Checks are mailed after the claim is processed. corresponding Lifetime Maximum Benefit Period (2x Benefit Period) is reached. How much for Generic drugs and how much for Brand name?
STC-FAQ_0925
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