Affordable Choice Enhanced from ManhattanLife is a fixed-indemnity hospital insurance plan that pays set daily cash benefits for hospital stays, doctor visits, surgery, and more—with no deductibles or coinsurance. It includes added coverage for cancer treatments, prescriptions, and preventive care, offering a flexible, affordable solution for everyday medical needs.
The Affordable Choice Enhanced Healthcare Freedom Starts Here.
This is a Hospital Confinement and other Fixed Indemnity Insurance Policy Underwritten by ManhattanLife Insurance and Annuity Company
AFC7010-BR 1025
Your Work, Your Way Your Protection
A Hospital Confinement and other Fixed Indemnity Insurance Policy
In today's economy, healthcare shouldn't be luxury or a gamble. Whether you're building your own business, working gig jobs or stuck with a high-deductible plan, Affordable Choice delivers real finanical protection when you need it most. With immediate cash benefits, no network restrictions and premiums starting under $80, its healthcare coverage designed for how America works today.
ISSUE AGES: 18-64
BENEFITS AND FEATURES • No Waiting Periods • Cancer Benefit Included • Hospital Admission Benefit • Hospital Confinement
• Dr. Office Vist Rollovers • Prescription Benefit • Outpatient Services • Surgery Benefit
• ER and Urgent Care • No Networks Required • Ground and Air Ambulance • Lab and Radiology
WHO BENEFITS MOST • Independent contractors & gig workers • Small business owners • People with high-deductible health plans
• Individuals wanting an extra layer of protection • Individual's in-between jobs • Aged off parents plan
SPECIFIED DISEASE RIDER (OPTIONAL) Life's most serious health challenges shouldn't devastate your finances. Our optional Specified Disease Rider provides targeted cash benefits for major conditions like heart attacks, strokes, cancer and organ transplants. When facing this critical diagnosis, you’ll receive benefits allowing you to focus on what matters most – your recovery.
Hospital costs per inpatient day vary significantly across the United States, with the national average sitting at $3,025.* Join thousands who've chosen smart, affordable protection.
* https://nchstats.com/average-cost-of-hospital-stays-in-us/
Affordable Choice Fixed-Benefit Plans
Affordable Choice plans pay a set of daily benefits for covered services, regardless of what your provider charges.
EXAMPLE 1 ELITE PLUS PLAN No Specified Disease Rider
7-Day Hospital Stay for Pneumonia Patient Profile: Sarah, age 52, Elite Plus coverage Scenario: Sarah developed severe pneumonia requiring hospitalization with IV antibiotics, respiratory therapy, labs and monitoring. Affordable Choice Benefits Paid Benefit Descriptions
Benefit Amount
Hospital Admission Benefit (first inpatient day per calendar year) Inpatient Hospital Confinement (7 days at $6,000/day)
$3,000.00 $42,000.00
Radiology Services - CT Scan (outpatienta benefit)
$700.00 $50.00
Laboratory Services Other (per day)
Doctor's Office Visit (post-discharge follow-up/1 of 10 CY max)
+ $200.00 $45,950.00
Total Affordable Choice Benefits Paid:
EXAMPLE 2 CLASSIC PLAN With Specified Disease Rider
Routine Preventative Care - Cancer Diagnosis Rider Details: $25,000 Deductible/$250,000 Calendar Year Maximum Patient Profile: Michael, age 58, Classic coverage with Specified Disease Rider Scenario: Michael went for routine preventative care exam with lab work. Blood tests showed abnormal results leading to further testing and cancer diagnosis. Treatment included surgery and ongoing chemotherapy. Affordable Choice Benefits Paid Benefit Amount
Benefit Descriptions Base Plan Benefits:
Preventative Services - Colonoscopy (per service) Laboratory Services - Surgical Pathology (per day) Doctor's Office Visit (follow-up consultation/1 of 6 CY max)
$500.00 $200.00 $75.00 $300.00
Radiology Services - CT Scan
Hospital Admission Benefit (first inpatient day per calendar year) Inpatient Hospital Confinement (3 days at $2,000/day) Surgery Benefit (thoracoscopy - per surgical fee schedule) Anesthesiologist Benefit (25% of surgical benefit) Cancer Benefit - Chemotherapy (20 days at $1,000/day) Specified Disease Rider Benefits: Total Actual Charges (surgery, hospital, treatment) Less: AFC Base Plan Payment (paid by ManhattanLife) Subtotal Base Plan Benefits:
$1,000.00 $6,000.00
$998.68 $249.67
+ $20,000.00 $29,323.35
$127,000.00 - $29,323.35 $97,676.65 - $25,000.00 $72,676.65 $102,000.00
Remaining Charges
Less: Deductible (paid by insured to provider)
Specified Disease Rider Pays (paid by ManhattanLife)*:
Total Affordable Choice Benefits Paid:
*Up to $250,000 CY max
Amounts based upon Affordable Choice claims data. Results may vary. These are contractually negotiated discounts between a network and the hospitals and doctors. Discounts can vary among providers. Hospital discounts can be as much as 40% to 50% and doctors vary between 25% and 35%.
AFFORDABLE CHOICE PLAN COMPARISON Surgical and Hospitalization Benefits ELITE PLUS ELITE
CLASSIC PLUS
CLASSIC
Inpatient Hospital Confinement (per Inpatient Day)
$6,000 $7,500 $9,000 $10,500 $12,000
$4,000 $5,000 $6,000 $7,000 $8,000 $2,000
$3,000 $3,750 $4,500 $5,250 $6,000 $1,000
$2,000 $2,500 $3,000 $3,500 $4,000 $1,000
Year 2 Year 3 Year 4 Year 5
Building Benefit Injury Reimbursement Inpatient Hospitalization Benefits increase 25% each year, years 2-5, for injury-related hospital stays (per day) Hospital Admission Benefits (for the first Inpatient Day per calendar year) Hospital Observation Benefits First 24-47 hours in an Observation Unit 48 hours or more in an Observation Unit Maximum Benefit ($1,000,000 per CY)
$3,000
$3,000 per day $4,500 per day
$2,000 per day $3,000 per day
$1,500 per day $2,250 per day
$1,000 per day $1,500 per day
Emergency Room (per day/calendar year maximum) Urgent Care (per day/calendar year maximum) Surgery Benefit Daily surgical benefits for both inpatient and outpatient surgery. The reimbursement schedule for 1 unit is similar to what is payable under the Medicare Physician Fee Schedule for surgeries. Maximum Benefit ($50,000 per CY) Ambulatory Surgical Benefit If outpatient surgery is performed in an Ambulatory Surgical Center or Outpatient Hospital facility, the benefits payable include the surgical and anesthesia benefits in addition to per day ambulatory/outpatient facility benefit.
$300/2 CY $300/4 CY
$300/2 CY $300/4 CY
$250/1 CY $250/2 CY
$250/1 CY $250/2 CY
3 X the scheduled amount
2.5 X the scheduled amount
2 X the scheduled amount
1 X the scheduled amount
$3,000
$2,500
$2,000
$1,000
Daily Assistant Surgeon Benefit Daily Anesthesiologist Benefit Doctor’s Office Visit with Rollover (per day/per calendar year)
Pays 20% of the eligible surgical benefit Pays 25% of the eligible surgical benefit
$200/10 days
$175/10 days
$125/8 days
$75/6 days
Rollover provision allows five-visit carryover per policy year
Prescription Benefit (per day) Outpatient Medical Benefits
$75
$50
$50
$25
Colonoscopy Pap PSA Surgical Pathology Other Laboratory Services
$600 $300 $300 $300 $50
$600 $300 $300 $300 $50
$500 $250 $250 $200 $50
$500 $250 $250 $200 $50
Preventative Services: (per service) Laboratory Services: (per day)
Therapy Services: (per day for physical, occupational, speech) Radiology Services: MRI/PET scan/CT scan/ mammogram/other radiology tests (per day) Calendar year limit for all Outpatient Benefits Ground and Air Ambulance Limit of 2 daily benefits per calendar year for all ambulance transportation (per day*) Allergy Shots and Immunization** (child only) (per day allergy shots/immunizations) Cancer Benefit Pays for Radiation, Chemotherapy & Immunotherapy (per day/40 days per calendar year)
$75
$75
$50
$50
$700/$700/ $700/$300/$250
$600/$600/ $600/$300/$250
$500/$500/ $500/$250/$200
$300/$300/ $300/$250/$200
$8,000
$6,000
$4,000
$4,000
$150 Ground Ambulance $1,500 Air Ambulance
$10/$25
$2,000
$2,000
$1,000
$1,000
Inpatient Hospital Confinement/ Building Benefit Injury Reimbursement
$1,000,000 calendar year limit $750 calendar year maximum $100 calendar year maximum
Prescription Benefit
Allergy Shots and Immunization
Lifetime Maximum
$5,000,000
The plans shown above are limited benefit fixed-indemnity plans and benefits are per Covered Person. This is not a major medical insurance plan. Fixed-indemnity benefits are provided for hospital confinement and specified medical and surgical events. These benefits are paid in daily amounts for covered events without regard to the costs of services rendered. This plan does not provide expense reimbursement for charges based on your health care provider’s statement. * In MI, only one per day benefit will be paid per day, regardless of how many trips are made for that day. ** In MI, Immunization does not apply.
AFFORDABLE CHOICE MONTHLY PREMIUMS WITHOUT THE SPECIFIED DISEASE RIDER ELITE PLUS ELITE
CLASSIC PLUS CLASSIC
Individual
$174.43
$132.06
$103.92
$77.67
Individual and Spouse*
$342.04
$257.27
$200.98
$148.43
Individual and Child(ren)
$375.97
$273.93
$210.13
$153.06
Individual and Family**
$571.05
$418.46
$321.64
$234.08
Individual
$219.88
$166.28
$128.02
$96.83
Individual and Spouse*
$432.97
$325.76
$249.23
$186.78
Individual and Child(ren)
$421.42
$308.15
$234.23
$172.22
Individual and Family**
$661.85
$486.84
$369.80
$272.38
Individual
$261.43
$197.87
$150.06
$114.46
Individual and Spouse*
$515.92
$388.78
$293.14
$221.94
Individual and Child(ren)
$462.97
$339.75
$256.27
$189.85
Individual and Family**
$744.93
$550.00
$413.83
$307.61
Individual
$369.21
$280.76
$207.02
$160.46
Individual and Spouse*
$731.52
$554.62
$407.12
$313.99
Individual and Child(ren)
$570.77
$422.65
$313.23
$235.86
Individual and Family**
$960.35
$715.69
$527.68
$399.57
Child Only**
$183.38
$129.09
$96.68
$68.62
* In IL, spouse or civil union partner * * Family rates include up to four children. Additional children are charged the Child rate.
Specified Disease Rider
Extra protection when a serious diagnosis changes everything.
The Specified Disease Rider elevates your protection to a new level. Your Affordable Choice base plan provides daily cash benefits for hospital confinement, surgery and medical services. Add the Specified Disease Rider and you gain up to $500,000 in additional coverage specifically for catastrophic conditions. This dual- layer approach ensures you're protected against both the everyday healthcare expenses and the financially devastating costs of life-altering illnesses. Policy Features: • The Specified Disease Rider has four deductible and two calendar year maximum options to choose from, providing flexibility in plan design • This policy provides benefits that are a direct result of a Specified Disease • Provides a lifetime maximum of $2,000,000 in benefits
Calendar Year Maximum: • $250,000 • $500,000 Deductible: • $25,000
• $75,000 • $100,000
• $50,000
Covered Conditions: • Amputation • Amyotrophic Lateral Sclerosis (ALS) • Angioplasty • Cancer (Internal Cancer) • Coronary Artery Bypass Surgery • End Stage Renal Failure • Heart Attack
• Heart Valve Surgery • Implantable Cardiac Defibrillator • Joint Replacement • Major Organ Failure/Major Organ Transplant
• Pacemaker Implant • Ruptured Aneurysm • Stroke (Ischemic or Hemorrhagic)
SPECIFIED DISEASE RIDER RATES
Individual and Spouse*
Individual and Child(ren)
Individual and Family**
Individual
18-29 30-39 40-49 50-64
$23.17 $34.87 $71.83 $159.27 $13.48 $20.28 $41.78 $92.64
$46.34 $69.74 $143.66 $318.54 $26.96 $40.57 $83.56 $185.29 $18.11 $27.26 $56.14 $124.49 $12.65 $19.04 $39.21 $86.94
$55.11 $66.81 $103.77 $191.21 $33.13 $39.94 $61.43 $112.30 $22.59 $27.16 $41.61 $75.78 $15.89 $19.08 $29.17 $53.03
$86.27 $109.67 $183.58 $358.46 $51.52 $65.14 $108.13 $209.85 $35.03 $44.18 $73.07 $141.41 $24.60 $30.99 $51.16 $98.89
Child**
$26.62
18-29 30-39 40-49 50-64
Child**
$16.38
18-29 30-39 40-49 50-64
$9.06
$13.63 $28.07 $62.25
Child**
$11.28
18-29 30-39 40-49 50-64
$6.32 $9.52
$19.60 $43.47
Child**
$7.97
Individual and Spouse*
Individual and Child(ren)
Individual and Family**
Individual
18-29 30-39 40-49 50-64
$25.79 $38.82 $79.96 $177.30 $16.10 $24.23 $49.92 $110.68 $11.68 $17.58 $36.21 $80.28
$51.59 $77.64 $159.93 $354.61 $32.20 $48.47 $99.83 $221.36 $23.36 $35.16 $72.41 $160.57 $17.90 $26.93 $55.48 $123.01
$62.82 $75.84 $116.98 $214.33 $40.84 $48.97 $74.65 $135.42 $30.30 $36.20 $54.82 $98.90 $23.59 $28.11 $42.38 $76.15
$97.87 $123.92 $206.20 $400.89 $63.12 $79.38 $130.75 $252.28 $46.63 $58.43 $95.69 $183.84 $36.20 $45.24 $73.78 $141.32
Child**
$30.85
18-29 30-39 40-49 50-64
Child**
$20.61
18-29 30-39 40-49 50-64
Child**
$15.51
18-29 30-39 40-49 50-64
$8.95
$13.47 $27.74 $61.51
Child**
$12.20
* In IL, spouse or civil union partner ** Family rates include up to four children. Additional children are charged the Child rate. Rider not available for children-only coverage.
Underwritten by: ManhattanLife Insurance and Annuity Company Administrative Office: 10777 Northwest Freeway, Houston, TX 77092 Toll Free Telephone: 800-877-7792
Low Cost Ancillary Services
Value-Added Benefits That Save You More Your Affordable Choice coverage includes access to money-saving health care services: telemedicine visits, prescription discounts up to 80%, discounted lab work and imaging, plus personal health care advocates to help manage medical bills. These services work alongside your cash benefits to maximize your health care value and minimize your out-of-pocket costs.
Over 1.5 million Service Locations
Discounted Imaging Services
Health Advocacy
Discounted Lab Work
Discount Pharmaceuticals
24/7 Telemedicine
Network and prescription drug are not part of this policy. First Health Network and RxEDO are value added healthcare programs from other providers designed to enhance your healthcare experience without additional cost to you. Listed above are three added sponsored benefits that are not part of the policy. There is a $7.00 monthly administration fee for these two services included in the premium. (Not included in Child Only Policy)
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 Affordable Choice 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. THIS POLICY PROVIDES LIMITED BENEFITS. Policy Form Numbers AK7010, AK7010LA, AK7010OK, AK7010TX (including state variations) Rider Form Numbers AS7006 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.
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