ManhattanLife — Health & Supplemental
What is ManhattanLife’s Supplemental Portfolio?
A suite of first-dollar cash benefits and lump-sum protections designed to wrap around ACA/Group/Medicare plans. Position these to offset deductibles, coinsurance, and non-medical costs from hospital stays, accidents, cancer, and recovery care — all via a quick, simplified-issue e-app.
When to Use It
- High-deductible ACA or employer plans — stack Hospital Indemnity + OOP Protector + Accident.
- Families with risk factors — add Cancer (or Cancer Care Plus) for non-medical costs and income gaps.
- Dental/vision/hearing needs — offer bundled DVH for comprehensive routine care.
- Recovery planning — OmnyFlex Short-Term Care for post-hospital or home-care expenses.
🎓 Carrier Training Videos
Watch detailed product trainings for every ManhattanLife line — including Affordable Choice, Hospital Indemnity, DVH, Cancer, and more.
▶️ Open Carrier Training Videos🔒 Password: MLTraining
Affordable Choice — Fixed Indemnity (⭐ Featured)
First-dollar scheduled benefits for common care (office, ER, outpatient, inpatient). Pairs well with ACA/Group to smooth cash flow and reduce surprise bills.
- Great for high-deductible plans and self-employed families.
- Budgetable, predictable payouts on covered services.
- Works in a stack with Hospital Indemnity + OOP Protector.
Fast Facts
- Carrier: ManhattanLife
- Lines: Indemnity, Hospital, DVH, Cancer, Accident, GAP, Short-Term Care
- UW: Simplified issue (quick decisions)
- Languages: EN/ES kits (selected)
- Agent Portal: EasyAppoint.manhattanlife.com
Common Riders/Options
- ER, Ambulance, & Outpatient Surgery riders (Hospital Indemnity).
- Wellness/Preventive schedules (DVH; some Indemnity plans).
- Accident dismemberment & follow-up care schedules.
Quick Agent Process
- Pre-screen basic health & state availability.
- Stack to the client’s deductible/OOP exposure.
- Quote & Submit simplified e-app.
- Decision: same-day/quick issue common.
- Place: review riders, effective date, & billing.