FILE A CLAIM CONTACT LOGIN Button Hospitalization Insurance For life's unexpected events. Helping patients cope with the two “costs” of hospitalization. There are two costs to major medical insurance whenever you are hospitalized – the health insurance premium and the cost of actually using the insurance. To help you manage the gaps left by qualified major medical and limited benefit plans, ManhattanLife offers two hospital indemnity plan – Affordable Choice and CentralChoice. HOSPITALIZATION STATISTICS 35.7M There were 35.7 million hospital stays in the U.S in 2016.1 13.6M In 2016, 13.6 million major ambulatory surgeries were performed in hospital-owned facilities.2 $14,500 The average per patient aged 45-84 cost of a hospital stay in 2016 was $14,500.1 Affordable Choice Affordable Choice from ManhattanLife provides affordability, accessibility, and flexibility. There are only a handful of medical questions on the application. Plus, you keep your own doctors and can access network discounts. PLAN BENEFITS Inpatient benefits. Hospital admission benefit. Surgery benefits. Doctor’s office visit. Outpatient medical benefits. Emergency or urgent care. Cancer benefit. Prescription benefit. PLAN FEATURES $5,000,000 Lifetime benefit maximum. $1,000,000 Calendar year limit. No deductibles or coinsurance. Age-banded prices (rates will not increase annually). No rate differences between smoker/non-smoker. CentralChoice CentralChoice helps you to fill the gap left open from other products including both qualified major medical as well as limited benefit plans. Designed with you in mind, CentralChoice plans feature a variety of inpatient and outpatient benefits that can be paid to any hospital or doctor. When coupled with MultiPlan providers, additional savings through negotiated discounts may be available. PLAN FEATURES No deductibles or coinsurance. No lifetime maximums. Guaranteed renewable. You may seek treatment from any doctor and any hospital. Plans pay directly to the insured. BOTH PLANS INCLUDE Teladoc: 24/7 Physician Consultations (not included in child only policy). Karis 360: Bill Negotiator, Healthcare Navigator, Surgery Saver (not included in child only policy). FIRST HEALTH® NETWORK In addition to payments that help pay for medical services, Affordable Choice helps you get more for your [their] money with the First Health® Network. You get discounted rates on services provided by network providers for inpatient and outpatient services. There are over 1.5 million service locations and more than 810,000 physicians and healthcare professionals in the First Health® Network across all 50 states. HOSPITAL STAY STATISTICS 56% Approximately 56% of hospital stays in 2012, or 20.4 million hospital stays, were medical.1 21.8% Approximately 21.8% of hospital stays in 2012, or almost million hospital stays, were surgical.1 22.2% Approximately 22.2% of hospital stays in 2012, or more than 8 million hospital stays, were maternal or neonatal.1 Have an Agent Contact Me Benefit exclusions and limitations may apply to the policy. For additional information about hospital indemnity insurance or any of our other quality products, please contact us or your ManhattanLife Agent or Broker. Source for statistics: 1Centers for Disease Control and Prevention – Oral Health Surveillance Report, 2019; 2Centers for Disease Control and Prevention – Oral Health Basics, 2019 Facebook Linkedin Twitter Vimeo Youtube Glassdoor RSS NEED HELP Become a Producer Company Store Contact Us Have an Agent Contact Me Find a Dentist Privacy Policy © 2021 ManhattanLife HIPAA Privacy Policy ManhattanLife is the brand name for plans, products, and services provided by one or more of the subsidiaries and affiliate companies of Manhattan Life Group Inc. (“ManhattanLife Entities”). Plans, products, and services are solely and only provided by one or more ManhattanLife Entities specified on the plan, product, or service contract, not Manhattan Life Group Inc. Not all plans, products, and services are available in each state. 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