Affordable Choice

Solutions for Today for the Problems of Tomorrow

This is a Hospital Confinement and other Fixed Indemnity Insurance

ALERT! IN and VA is no longer available through this enrollment link, please Click here to be redirected to log into your agent portal and submit the application on our new Manhattan Direct 2.0 Platform. If you have any questions please contact Marketing at 888-441-0770.

The Right Plans for the Right Times

The health care landscape has been anything but stable over the past five years. Our Classic and Elite plans offer Stability, which is one thing that individuals and families need when it comes to health care. It’s affordable, accessible and flexible.

Affordability - Choose from two plan options; find the one that fits your budget.
Accessibility - Only a few medical questions on the application.
Flexibility - Keep your own doctors; choose from individual or family coverage, and access network discounts.

Affordable Choice

Unlike traditional health insurance plans, our plan pays a specified cash amount when you receive a particular service, regardless of what your provider charges you. Cash is paid to you or your provider if you assign the benefits.

Inpatient Benefits
Hospital Admission Benefit
Surgical Benefits
Doctor's Office visit
Outpatient Medical Benefits
Emergency or Urgent Care
$2,000,000 Over Your Lifetime
Discount Pharmacy Card
Teladoc & Karis 360

Affordable Choice Enhanced Benefit (Optional)

The Affordable Choice Enhanced Benefit is a predetermined package of additional benefits made available to accompany a submitted Affordable Choice application for underwriting consideration, or to augment an in force Affordable Choice policy.

What is the plan design?

Quite simply, it's optional supplemental coverage to the Affordable Choice plan design (Classic or Elite) and includes:

· ICU $2,000 Per Day ( To a maximum of 20 days per confinement period)

· Daily Surgical Benefit $2,000 (To a maximum of 5 days per confinement period)

· Anesthesia $400 Per Day (To a maximum of 5 days per confinement period)

· Private Duty Nursing $200 Per Day (To a maximum of 30 days per period of confinement)

Can just the Affordable Choice Enhanced Benefit be purchased?

No. It is not available as a stand alone coverage or with any other company products.

Is Underwriting Different?

Underwriting will be identical to the Affordable Choice base policy. Once submitted for underwriting consideration, the Enhanced Benefit will be pended awaiting an underwriting decision on the base Affordable Choice Plan.

How will the policies be issued?

The Enhanced Benefit is a marketing name only. The actual form number is HPHI from our filed product under that form number. The base plan Affordable Choice will issue under policy form CHCS11.

How is enrollment handled?

The only way to enroll the Enhanced Benefit portion is via our online electronic platforms (Manhattan Direct or ACE). A paper application for Enhanced Benefit is not available.

Affordable Choice Plan Benefits Surgical and Hospitalization Benefits

Elite

Hospital Confinement	$3,000 per Inpatient Day.* $200,000 calendar year limit.
Hospital Admission Benefits	$2,000 for the first Inpatient Day per calendar year.
Emergency Room or Urgent Care	$250 per day Limit of 1 daily benefit per calendar year
Surgery Benefit	Daily surgical benefits for both inpatient and outpatient surgery. Maximum benefit of $50,000 per calendar year.**
Assistant Surgeon	Pays a daily amount per surgery.**
Anesthesiologist	Pays a daily amount per surgery.**
Doctor’s Office Visit	$75 per day. Four days per calendar year.
Outpatient Medical Benefits	Preventative Services $300 colonoscopy $100 per Pap $100 per PSA Laboratory Services $100 per day for surgical pathology $50 per day for other laboratory tests Radiology services $500 per day for MRI scan $250 per day per PET scan $150 per day for Mammogram $2,000 per calendar year limit for all outpatient events
Prescription Drugs Benefit (not available in AZ and OH)	$25 $750 Calendar Year Maximum
Ground and Air Ambulance	$1,000 per day for air transportation $100 per day for ground transportation. Limit of 2 daily benefits per calendar year for all ambulance transportation.
Lifetime Maximum	$2 million

Classic

Hospital Confinement	$2,000 per Inpatient Day.* $100,000 calendar year limit.
Hospital Admission Benefits	$1,000 for the first Inpatient Day per calendar year.
Emergency Room or Urgent Care	$150 per day Limit of 1 daily benefit per calendar year
Surgery Benefit	Daily surgical benefits for both inpatient and outpatient surgery. Maximum benefit of $50,000 per calendar year.**
Assistant Surgeon	Pays a daily amount per surgery.**
Anesthesiologist	Pays a daily amount per surgery.**
Doctor’s Office Visit	$50 per day. Three days per calendar year.
Outpatient Medical Benefits	Laboratory Services $100 per day for surgical pathology $25 per day for other laboratory tests Radiology services $250 per day for MRI scan $250 per day per PET scan $100 per day for Mammogram $2,000 per calendar year limit for all outpatient events
Prescription Drugs Benefit (not available in AZ and OH)	$25 $750 Calendar Year Maximum
Ground and Air Ambulance	$1,000 per day for air transportation $100 per day for ground transportation. Limit of 2 daily benefits per calendar year for all ambulance transportation.
Lifetime Maximum	$2 million

Teladoc

Physicians are available anytime, anywhere for personalized, secure, Web or phone-base consultation that includes diagnosis And treatment of medical issues.
Members can use 24/7 Physician Consultations:
• For common, acute conditions that can be treated Without a face-to-face visit. From anywhere - at home, at work or on the road. After hours - during the evening, on weekends or Holidays.
• When they cannot reach their primary care Physician.
Product Highlights:
• Offers a fast, affordable alternative for minor Medical problems and health issues. All physicians are licensed, board certified and based in the U.S.
• Visit Fee is $0.00
For more information go to Online: www.teladoc.com Mobile App (App Store and Google Play): www.teladoc.com/mobile or call 1-800-Teladoc (832-2362)

Karis 360

Helps policyholders save on out-of-pocket Expenses, in finding doctors, assists in searching and comparing facilities, providers, and prescription costs, as well as many other services. Karis360 offers 3 services To policyholders.
Karis Healthcare Navigator
• Provides each member a personal, expert advisor to address healthcare-related questions and concerns. • Services include, but are not limited to: physician and healthcare facility searches, prescription cost search, health cost estimates, alternative medicine, laboratory and imaging services, elder care solutions, appointment scheduling.
Karis Surgery Saver
• Helps members when a non-emergency surgical procedure is being considered. Specialized Advisors provide cost, quality and availability comparison of up to 5 facilities in the area.
Karis Bill Negotiator
• Works directly with healthcare providers to help reduce out-of-pocket expenses.• Negotiates directly with providers and collection agencies to try and reduce medical bill balances. Works with providers to develop payment plans.
For more information go to www.thekarisgroup.com 855-399-4457
Karis360 is not insurance and does not provide funds to pay for bills. This is a best-efforts service and results cannot be Guaranteed.