Drone photo of a beach in Da Nang, Vietnam

Hospital Indemnity

Offered through Manhattan Life

The Affordable Choice Enhanced

Looking for affordable protection without the complexity of traditional health insurance? The Affordable Choice plan from ManhattanLife gives you first-dollar coverage with no deductibles or coinsurance. This is a fixed indemnity plan and not a major medical or traditional health insurance meaning you’ll get paid fixed benefits for hospital stays, surgeries, doctor visits and even prescriptions—regardless of what your provider charges.

What makes it stand out?

Immediate benefits like doctor visits and prescriptions.
Generous hospital coverage—up to $6,000 per day plus admission benefits.
Rollover doctor visits so unused visits carry into the next year.
Surgery benefits included.
Access to a nationwide provider network with significant discounts. The plan utilizes the First Health PPO which is what will show on your ID card.

It’s simple, flexible, and gives you peace of mind knowing you’ll have cash benefits when you need them most—at a fraction of the cost of traditional health insurance. Affordable Choice: today’s solution for tomorrow’s health challenges.

How it works:

This plan pays you cash when you go to the hospital.

For this example, if you are in the hospital for seven days, your total hospital bill could be around $40,000. If the hospital is in network, the plan would apply network discounts which for this stay the plan might deduct $18,000 from your bill.

$40,000 (Hospital Bill) - $18,000 (Network Discounts) = $22,000. This is what your new bill to the hospital would be.

Now you apply the cash benefits the plan pays you. For example, you could get a $2,000 benefit for being admitted to the hospital. On top of that you could get $4,000 per day, which for seven days would become a $28,000 benefit paid to you. That becomes a total of $30,000 paid to you directly.

In conclusion, you would owe the hospital $22,000, but you would be getting a benefit paid to you of $30,000 leaving you with an additional $8,000 in your pocket and your hospital bill 100% paid for.

This plan has four different coverage levels, you can view those here.

*Amounts based on Affordable Choice claims data. Results may vary. These numbers are for example purposes only and may not reflect actual plan benefits.

View Plans

Click Here for Coverage Levels

Hospital Indemnity Select

Worried about hospital bills your health insurance doesn’t cover?

ManhattanLife’s Hospital Indemnity Select gives you cash benefits paid directly to you whenever you’re hospitalized—so you can cover deductibles, copays, or even everyday expenses like your mortgage or car payment.

Why it works:

Immediate benefits—no waiting period.
Rates never increase with age and coverage is guaranteed renewable for life.
Customizable benefits up to $10,000 per day, so you can match your out-of-pocket exposure.
Optional riders for first-day admission, skilled nursing, and outpatient surgery.
Extra support with coverage for ER visits, urgent care, ambulance rides, short hospital stays, and even mental health hospitalizations for eligible plans.
Pays a fixed benefit to you—regardless of what your provider charges.

This plan is meant to supplement your health insurance, not replace it. This is a similar option to the The Affordable Choice Enhanced plan but without the coverage that your traditional insurance provides, therefore offered at a more affordable price! For example, this plan does not include network discounts as your health insurance will already provide you with those!

With Hospital Indemnity Select, you stay protected against the unexpected and keep financial control—so you can focus on recovery, not bills.

ManhattanLife: Enhancing your coverage. Protecting your peace of mind.

How it works:

This plan pays you a cash benefit when you go to the hospital and is meant to supplement your traditional health coverage. Therefore in this example, if you are in the hospital for five days, even with your traditional health insurance, you could be left with a bill for $8,000 due to deductibles, copays and coinsurance.

You can now apply the cash benefit you get from your indemnity plan to help cover your out of pocket expense.

If your hospital benefit is $9,000 with this plan, then that would mean even though you owe the hospital $8,000, you will get paid $9,000 leaving you with an extra $1,000 in your pocket and covering your hospital bill 100%.