When your clients face a hospitalization, the financial burden can extend far beyond what traditional health insurance covers. Manhattan Life’s Affordable Choice Hospital Indemnity Plan is built to bridge those gaps with first‑dollar, fixed‑benefit protection — giving individuals and families real financial relief when they need it most.
Why Clients Love Affordable Choice
1. Immediate, First‑Dollar Benefits
Affordable Choice pays fixed cash benefits directly to the policyholder (unless assigned), helping them cover hospital stays, surgeries, doctor visits, and prescriptions — all with no deductibles. It’s accessible protection at a budget‑friendly price point.
2. Meaningful Coverage for Real‑Life Medical Needs
The plan includes benefits many clients rely on, such as:
- Hospital admission benefits
- Surgical and assistant surgeon benefits
- Ambulatory surgical benefits
- Outpatient medical benefits
- Doctor’s office visits with rollovers
- Prescription benefits
- Cancer benefit
- Optional specified disease rider (state‑dependent)
For clients worried about ER visits, short hospital stays, or unexpected illnesses, Affordable Choice provides benefits available immediately, except for defined pre‑existing condition periods.
3. Access to the First Health® Network
Policyholders gain discounted rates through a national PPO network with over 1.5 million service locations and more than 810,000 providers, helping stretch their coverage even further.
Why Agents Win With Affordable Choice
1. A Plan Designed to Be Easy to Sell
- Available for ages 18–64
- Few medical questions on the application
- Immediate benefits
- Family rate options
- Age‑banded premiums that don’t increase annually
With year‑round enrollment and straightforward underwriting, Affordable Choice is a simple, repeatable product you can confidently recommend.
2. Ideal for High‑Deductible and Underinsured Clients
Many consumers struggle with high deductibles or limited major medical coverage. Affordable Choice pays fixed cash benefits with no deductible, giving agents a strong supplemental solution that helps clients cover out‑of‑pocket expenses like childcare, lost wages, or living costs during medical events.
3. Strong Cross‑Selling Opportunities
Affordable Choice pairs seamlessly with accident, critical illness, cancer, and life products — allowing agents to build comprehensive protection packages and increase overall client value. Manhattan Life even highlights the strength of stacked product combinations in its agent materials.
4. Trusted Brand with Market Leadership
Manhattan Life has been instrumental in keeping the hospital indemnity market viable, even defending its place legally (Central United Life Insurance Co. v. Burwell), which reinforces their commitment to both policyholders and agents.
5. Easy to Explain, Easy to Understand
Because it’s a fixed‑benefit plan with simple benefit schedules, clients immediately grasp the value — and agents enjoy smoother, faster sales conversations.
The Bottom Line for Agents
Manhattan Life’s Affordable Choice Plan is more than a hospital indemnity product — it’s a versatile sales cornerstone that solves real problems for clients while creating long‑term business opportunities for agents. With immediate benefits, affordable premiums, nationwide network discounts, and strong brand backing, it’s a reliable addition to any agent’s portfolio.