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Manhattan Life

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ManhattanLife offers Fixed Benefit health plans in 38 states. The availability of each plan(s) vary by state. Below you will find more information about these plans and the states where they are available.

As discussed on our NAHP Alternative Health Plan Solutions page, Fixed Benefit plans work differently than traditional major medical plans (like what are available under the ACA/Obamacare). With a Fixed Benefit plan, you receive a “fixed” payment from the insurance company for every covered health care service. The amount of each payment depends on the coverage level you choose and the type of health care service you receive.

Unlike major medical plans that have (often high) annual deductibles and coinsurance that you have to pay before the insurance begins paying, ManhattanLife offers Fixed Benefit plans that have NO deductible! 

To enhance your overall coverage, ManhattanLife offers several supplemental benefits (see further down this page). You can also add any or all the following supplemental benefits available on our US Supplemental Coverage page to make your overall plan as comprehensive as you want:

  • Accident Protection Plans
  • Critical Illness Plans
  • Cancer Treatment Plans
  • First Day Hospital/ICU Stay Protection
  • 100% Preventive Care (Per ACA/Obamacare guidelines)
  • Prescription Drug coverage
  • Dental, Vision & Hearing
  • Life Insurance

NOTE: See the table at the bottom of this page for recommended plan packages combining the ManhattanLife Fixed Benefit plans with the above supplemental plans. 

ManhattanLife Affordable Choice Plan Features and Benefits

The Affordable Choice plans provide the best overall coverage of any fixed benefit plan on the market for the MOST expensive type of care – Inpatient Hospitalization. The Elite Plus plan provides the highest benefit payout for inpatient hospital stays of any fixed benefit plan that I have found in the market.

Here are some of the features and benefits of the Affordable Choice plans:

  • Male & Female rates are the same
  • No increase in rates for tobacco usage
  • Child only coverage starting after newborn’s 6-week exam
  • Continuous coverage with stable rates from one year to the next (Unlike traditional STM that renews each year)
  • No waiting periods for any coverage’s and coverage can begin next day (1st through 28th of the month)
  • Pre-existing conditions covered after first year
  • $5 million lifetime max per insured (Like the best major medical plans pre-ACA)
  • No Deductibles, co-insurance or co-pays – First dollar coverage that can pay in excess of your actual medical bills to be used for other expenses
  • Up to $9,000 first day/year hospital room & board coverage and $6,000 each additional day to $1 million max. per year (Elite Plus)
  • Surgical Schedule pays up to 300% of Medicare schedule for surgeon’s surgery fee (Elite Plus)
  • Up to $3,000 per day for surgery in an Ambulatory Surgery Center (in addition to surgeon benefit above)
  • Up to $2,000 per day cancer treatment benefit (up to 40 days per year)
  • Doc visits, Rx, preventive and many other healthcare services covered

ManhattanLife Affordable Choice Plans and State Availability

ManhattanLife offers three versions of their Affordable Choice Fixed Benefit plans:

Affordable Choice Enhanced – This is their most current and best overall coverage and value plan. It pays the same higher number of days for doctor office visits as the Affordable Choice 20 plan and significantly increases payment for most covered outpatient benefits. The Affordable Choice Enhanced plan offers 4 levels of coverage to choose from: Classic, Classic Plus, Elite and Elite Plus.

Affordable Choice Enhanced Available States (as of 6/12/2023):

To review the details on the Affordable Choice Enhanced plans click here:

Affordable Choice Enhanced Fixed Benefit Plan

Affordable Choice 20 – This plan pays a higher number of days for doctor office visits than the Affordable Choice 18 plan and allows for rollover of up to 5 unused office visits to the following year. The Affordable Choice 20 plan offers 4 levels of coverage to choose from :Classic, Classic Plus, Elite and Elite Plus.

Affordable Choice 20 Available States: AKHI, IA

To review the details on the Affordable Choice 20 plans click here: 

Affordable Choice 20 Fixed Benefit Plan

Affordable Choice 18 The Affordable Choice 18 plan offers 4 levels of coverage to choose from: Classic, Classic Plus, Elite and Elite Plus. 

Affordable Choice 18 Available States: NM, OR, RI

To review the details on the Affordable Choice 18 plans, get a personalized quote and apply online (where available) click here: 

Affordable Choice 18 Fixed Benefit Plan

Preferred Provider (PPO) Network

The ManhattanLife plans allow you to go to any provider without restriction. However, the Fixed Benefit plans also include a nationwide PPO network. If you see in network providers, you are going to see significant discounts on the bills you receive.

NEW!  Effective October 1, 2020, ManhattanLife will be transitioning their PPO network to the First Health nationwide PPO Network. All new policyholders whose coverage started near or after October 1st, will utilize the First Health network.

The First Health PPO Network. It is one of the most extensive PPO networks in the country. The First Health network provides access to:

  • More than 5,900 hospitals
  • Over 125,000 ancillary facilities;
  • More than 810,000 physicians and healthcare professionals with over 1.5 million service locations across all 50 states. 

• Network doctors that are carefully selected to promote quality outcomes.

• No paperwork because network doctors and hospitals file claims for you.

To look up providers go to the First Health PPO network link. It is available 24 hours a day, 7 days a week. It includes the most detailed provider information available. And, it’s kept up-to-date.

Start by clicking the dot next to “First Health Network.” Then click the button that says, “Start Now.” On the next page choose the type of provider and enter your search parameters. Then click the “Search Providers” button.

Please let me know if you need help!

Additional Benefits Included in the ManhattanLife Fixed Benefit Plans

NOTE: Details on all additional benefits offered in the Affordable Choice plans are in the Ancillary Services at a Glance
Green Imaging:

ManhattanLife has contracted with Green Imaging to provide diagnostic imaging services to you at a significantly discounted rate.

For details on this program, please download the ManhattanLife + Green Imaging flyer. 

For more information about Green Imaging go to our US Healthcare Resources page under the “Imaging Savings Tools.” You can also go to the Green Imaging website. 


CareGuide helps Affordable Choice policyholders navigate through some of the complexities that those seeking support services may face. Here are just a few highlights of the CareGuide Service:

Hospital Bill Eraser– We use our innovative technology to reduce or possibly even eliminate large hospital bills via statute-required financial assistance programs and billing error/fraud analysis.

Pricing Portal –  We know the specific care costs before you step in the door with our billion-plus claim database so you are not the next victim of the broken medical billing process.

Money Map – Using our proprietary, data-driven mapping tool, we fan find and confirm low-cost providers by zip code for routine care before you are hit with an inflated price.

Lower or Eliminate Prescription Costs – We assist members with obtaining prescription coupons and getting their medications at low prices.

Telahealth Consultants:

Included with the ManhattanLife plans are telemedicine services at no additional premium or copay to use if you are sick. The benefit package telemedicine includes:

  • Express Health Care- Available 24/7/365
  • Dermatology- designed to help diagnose and treat minor skin conditions.
  • Clinic Services- when a condition may call for more than a virtual visit, this fee for service option allows consumers to schedule a visit with a nationwide network of clinics directly through the member portal (Telahealth Consultant’s portal).
  • Behavioral Health- offering confidential assessments, short-term counseling, referrals, and follow-up services.
  • Healthcare Liaison- a significant role to help decode the medical landscape, this helps members save on medical and pharmacy expenses, optimize prescription prices and more.
  • Health Records- access records anytime including test results, updated medications, and the availability to share information with providers, insurance carriers and family.

Prescription Discount Program:

Also included in the North American Health Plans program is a prescription drug discount benefit. Use the drug pricing tool to price prescriptions at pharmacies in your zip code. Go to and click the drug pricing link.

Additional prescription discount programs can be found on our US Healthcare Resources page.

ManhattanLife Supplemental Benefits

ManhattanLife Enhanced Accident Expense Plan: 

This coverage provides immediate cash of up to $4,000 to cover the costs of an accidental injury. You can also add disability benefits of up to $2,000/month for up to 24 months if you are disabled as a result of the accident. This can be written as a separate policy or added to one of the Fixed Benefit policies. (varies by state).

This plan also provides the following benefits for services related to an accident:

  • Hospital inpatient benefit of $300/day
  • $100,000 Accidental Death Benefit
  • Up to $10,000 Ground or Air Ambulance Benefit

Enhanced Accident Sample Plan Rates

Accident Plan Benefit Individual
Individual + Spouse
Individual + Child(ren)
$2,000 $25.00 $47.50 $57.00 $79.50
$4,000 $33.00 $61.50 $72.50 $101.00

ManhattanLife Out of Pocket Protection plan:

This is a VERY inexpensive supplemental plan designed to provide additional coverage for the first day hospital/ICU stay that you have in any year.

You choose a lump sum of $2,500, $5,000 or $6,350 for your first day in the hospital for each plan year. It also includes $100 or $200 per day to cover the cost of your doctor visiting you in the hospital. You can also add an optional (recommended) $250 Emergency Room Accident benefit rider and a rider that pays $1,000 to $3,000 for up to two Outpatient Surgeries per year.

Important Maternity Tip: The Out of Pocket Protection plan will pay for any complications of pregnancy. However, they will NO LONGER pay for a hospital stay for a normal delivery without complications


ELIGIBILITY: The Out of Pocket Protection plans are available for people ages 18 through 69 (64 in California). 

The Out of Pocket Protection plan is available in these states: AKAL, AR, AZ, CAFLGA, HI, IAIL, IN, KY, LA, MD, ME, MIMO, MN, MS, MT, NC, ND, NENMNVOHOKPASC, SD, TNTX, UT, WAWI, WV, WY

Plan Details and Information:

To review the details and get a personalized quote click here: ManhattanLife Out of Pocket Protection Plan

For additional information and application instructions see our US Supplemental Plans page.

ManhattanLife Critical Protection and Recovery

ManhattanLife Critical Protection and Recovery plans include four different options that provide coverage for a variety of critical illnesses. Each plan option can be purchase with or without coverage for cancer.

These plans are different than other traditional critical illness plans that pay a one-time lump sum of $5,000 to $20,000 upon diagnosis. In addition to an initial lump sum payment upon diagnosis, these ManhattanLife plans pay an additional monthly benefit of 10% of the initial lump sum amount for 12 months after the initial payment.

To review the details and get a personalized quote click here: ManhattanLife Critical Protection & Recovery Plans

ManhattanLife Cancer Care Plus Cancer and Dread Disease plan:

This is a different variation on most critical illness policies that pay a one-time, lump sum amount. It provides benefits for many cancer and dread disease related treatments. However, it also includes a unique MONTHLY Chemo, Radiation AND Immunotherapy benefit of $2,500 to $7,500. It also provides treatment benefits for many other dread diseases AND benefits for over 20 other related services.  

ELIGIBILITY:  Cancer Care Plus plans are available for people ages 18 through 69 (64 in California) and guaranteed renewable FOR LIFE! 

Also, the monthly premium for your Cancer Care Plus plan is locked in based on your age when you sign up. The only way your premium will change is if the company raises the rate for ALL policyholders in your entire state. 

The Cancer Care Plus plan is available in these states: AL, AR, AZCA, CO, FL, GAIA, ID, IL, IN, KS, KY, LA, MD, MIMN, MO, MS, MT, NC, ND, NE, NH, NMNVOHOKORPASC, SD, TNTXUTVAWA, WI, WV, WY

Plan Details and Information:

To review the details and get a personalized quote click here: ManhattanLife Cancer Care Plus (all states except FL, MI^^^)

^^^ The Cancer Care Plus Brochures for Florida and Michigan are not available to be listed here. Until they are available, we will include a pdf copy with each quote request.

For additional information and application instructions see our US Supplemental Plans page. 

ManhattanLife Dental, Vision and Hearing Insurance:

ManhattanLife Dental, Vision and Hearing (DVH) plan has three options with annual maximum benefits on the dental plan of $1,000, $1,500 and $3,000. 

DVH plans are available for people ages 18 through 85


  • Choose your dentist – In network or out of network (Plans use Careington Maximum Care PPO Dental Network)
  • Family Rates (includes a maximum of 3 children)
  • $1,000 – $3,000 policy year benefit option available
  • Guaranteed Issue
  • Guaranteed renewable for life (Subject to company’s right to change premiums)

Available States (as of 10/19/2020): The $1,000 and $1,500 dental maximum benefit plan options are available in all states that the DVH plans are offered. The new $3,000 annual dental maximum benefit plan is available in these states: 


For more details, including rates for all plans, see the Dental, Vision and Hearing Brochure

ManhattanLife Quote and Apply Online

The easiest way to quote and apply is through ManhattanLife’s secure online application link as follows:

Click Here to Quote and Apply


Quote and Apply Instructions: Begin by clicking the “Click Here Start Your Quote” button at the bottom of the page. On the next page enter your home zip code. Click “Next.” Enter your date of birth and chosen effective date. For any dependents enter their first name, relationship and date of birth and click “Add.” Once every family member is entered click “View Products.” From here you will see boxes with all available plans. You can choose each product one at a time. In this case select, “PLAN NAME.” You will see a box with a quoted rate for each available plan for the chosen effective date. There is also a link to download a pdf brochure. Click on any of the plans and it will show the cost and information on available riders that can be added. Click the plan name again to go back to the main menu. Any plan option that you review will automatically be added to your cart. If you want to review a different plan or product, click the “Remove from Cart” button and you will return to the options page for that plan. To return to the main products page, click “Close.” If you want to apply for the plan you are reviewing, click the “Return to Product List” button. That plan will be in your cart. Click the “Begin Enrollment” button to start your application.

See if one of our alternative health plan solutions is right for you 

Online Calendar logo If you would like to discuss your health insurance options to see if one of these ManhattanLife Fixed Benefit plans (combined with one or more ManhattanLife supplemental plans and/or our other US Supplemental Plans) are right for you, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.

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