Agent Guide | Home Health Care
Policyholder Conversion Guidelines For insureds who currently have Home Health Care Select, we will allow the opportunity to apply for coverage under Home Health Care Enhanced. •A new application must be submitted and will be reviewed by underwriting •Underwriting will evaluate both the application and the insured’s claims experience under their current policy •Based on this review, underwriting will determine if the insured is eligible to convert to the Enhanced product •If an insured is not approved, they will retain their existing HHC Select policy and the request for increased/enhanced coverage will simply be declined Home Health Care Conversion FAQs 1. Will existing Home Health Care or Home Health Care Select policyholders be allowed to move to Home Health Care Enhanced? Yes — existing policyholders may apply for Home Health Care Enhanced coverage. Requirements: •New application required •Underwriting and claims experience review required •New Home Health Care Enhanced policy issued if approved •Existing policy remains in force if declined 2. If a client upgrades to Home Health Care Enhanced, does their pre-existing condition period start over? Due to variables, this will vary on a case-by-case basis. Please contact ACES with any questions at aces@ manhattanlife.com. 3. Will insureds be allowed to convert at any time or only on policy anniversary/effective date? The policyholder can upgrade at any time. 4. How are prescription drug benefits handled when moving to Home Health Care Enhanced? Prescription drug benefits previously paid under the current Home Health Care policy during the same policy year will be considered when determining remaining eligibility under the new policy. Purchasing New Policies Applicants who were prior policyholders that either canceled their policy or allowed it to lapse are not able to purchase a new Home Health Care Enhanced or Home Health Care Select Insurance policy unless the person has had no Home Health Care Insurance coverage with ManhattanLife for six or more months. After this period with no coverage, the applicant would then have to submit a new application, request their desired plan option(s) and pass to underwriting. Reinstatement A Home Health Care Enhanced and Home Health Care Select Insurance policy can be reinstated up to 90 days after it has lapsed. Once a policy has lapsed more than 90 days, the individual must go six or more months without coverage with ManhattanLife. After this period with no coverage, the applicant would then have to submit a new application, request their desired plan option(s) and pass underwriting.
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