When a medical crisis occurs, individuals and families are often faced with high deductibles and out-of-pocket expenses that major medical insurance does not cover. Our Individual & Worksite products help pay these expenses, plus non-medical costs like lost wages or missed mortgage payments. They act as a safety net and the benefits are paid directly to the policyholder. Launching soon, ManhattanLife is offering even more coverage, benefits and products!

New Enhancements to Our Broad Portfolio of Individual & Worksite Products

Affordable Choice Hospitalization: High deductible health care plans can leave policyholders exposed to thousands in costs, which our policies can cover.

• Doubled or tripled Preventative Services benefits
• Tripled select Lab Services benefits
• Tripled Therapy Services benefits
• Increased Radiology Services benefits by 50% to 300%
• Over 100% increase in Outpatient Services benefits
• Doubled Emergency Services visits covered and increased payouts
• Quadrupled Urgent Care Services visits covered and increased payouts

Accident: Personal Accident Indemnity Delivery (PAID) coverage provides benefits for many of the accidents that can happen without warning.

• 10 new benefits including urgent care, chiropractor, ICU, X rays, rehabilitation, concussion, outpatient and more
• 11 expanded benefits including ambulance, burns, physical therapy, prosthesis and more
• More doctor visits covered and more hospitalization costs covered

Dental/Vision/Hearing: Our dental, vision and hearing plan leaves the choice of the healthcare provider in policyholders’ hands.

• New $3000 max benefit
• Patients may still choose from in network or out of network provider
• Network discounts may help extend policy year max with reduced charges

ACCIDENT
Personal Accident Indemnity Delivery (PAID) coverage provides benefits for many of the accidents that can happen without warning.

CANCER
Cancer coverage provides an important safety net in fighting the financial consequences that extend beyond traditional health insurance.

DENTAL/VISION/HEARING
Our dental, vision and hearing plan leaves the choice of dentist or doctor in your hands with guaranteed issue and renewal for life.

HOSPITALIZATION BENEFITS
High deductible health care plans can leave you exposed to thousands in costs. Hospitalization coverage pays benefits directly to you.

LIFE INSURANCE
A full range of term life and whole life insurance to meet your needs and objectives, whether you’re looking for individual or family coverage.

MORTGAGE PROTECTION
Mortgage protection insurance from ManhattanLife enables you to protect your family’s well-being and cover your mortgage in full.

GAP/OUT-OF-POCKET
An out-of-pocket policy from ManhattanLife helps the costs associated with a hospital stay from becoming an unnecessary burden.

SHORT-TERM DISABILITY
Our disability insurance can help protect an employee’s and their family’s assets in the event of a disability or illness.

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Medicare Supplement

We offer Medicare Supplement insurance plans that helps pay for deductibles, co-payments, co-insurance, and other out-of-pocket costs not covered by Original Medicare. Premium discounts are available for household residents who are insured under the same carrier. Additionally, customers have the freedom of seeing any Medicare contracted physician at any Medicare contracted facility of their choice.

Annuities

Our annuities provide customers flexibility, liquidity and competitive returns. There are no set up fees or administrative expenses. Choose from a range of individual, deferred, single premium Multi-Year Guarantee Annuities, Fixed-Index Annuities and Single Premium Immediate Annuities.

Voluntary Benefits

Designed for employer groups, our voluntary products provide financial security, preferred underwriting and pricing for employees, and competitive compensation for our distribution partners. We help employers by offering a customized program that integrates with any employee benefits package.

Employer Stop-Loss

Manhattan Life's MGU Program Manager WesternSkies offers individualized stop-loss coverage to self-insured employers looking for protection from catastrophic medical and pharmacy claims. In addition to underwriting coverage, we focus on employer-customized solutions utilizing advanced risk assessment, cost containment and pharmacy benefit management tools, and provide producers and employers with responsive, timely claims service.

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