Health Insurance for US Individuals and Small Business
Call US Anytime
Home Page



Manhattan Life

Manhattan Life 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, Manhattan Life offers Fixed Benefit plans that have NO deductible! 

To enhance your overall coverage, Manhattan Life 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 Manhattan Life Fixed Benefit plans with the above supplemental plans. 

Manhattan Life Affordable Choice 18 Plan Features and Benefits

The Affordable Choice 18 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 18 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 $8,000 first day/year hospital room & board coverage and $5,000 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

Manhattan Life Affordable Choice Plans and State Availability

Manhattan Life offers two versions of their Affordable Choice Fixed Benefit plans:

Affordable Choice 18 - This is their most current and best overall coverage and value planThe Affordable Choice 18 plan offers 4 levels of coverage to choose from: Classic, Classic Plus, Elite and Elite Plus. 

Affordable Choice 18 Available States: AKAL, AR, AZ, DE, FLGA, HI, IA, IL, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, WI, WV, WY

To review the details on the Affordable Choice 18 plans and get a personalized quote click here: Affordable Choice 18 Fixed Benefit Plan

Affordable Choice (Older Version) - This is their older and lower coverage plan. This plan offers 2 levels of coverage: Classic and Elite.

Note: Given the significantly lower coverage and lower price compared to their newer plan (above), I only recommend this plan as a supplemental plan in combination with one of our Short Term Medical plans as your primary plan option in our NAHP Alternative Health Plan Solutions program.  

Affordable Choice Available States: IN, ND, VA

For more details see the Affordable Choice Brochure

Preferred Provider (PPO) Network

The North American Health Plans program with Manhattan Life allows you to go to any provider without restriction. However, the Fixed Benefit plans include the PHCS/Multiplan nationwide PPO network. If you see in network providers, you are going to see significant discounts on the bills you receive.

Here are instructions to look up providers. First go to:

  • Click on “Find a Provider”
  • Select the PHCS Limited Benefit network
  • Find your provider

Please let me know if you need help!

Additional Benefits Included in the Manhattan Life Fixed Benefit Plans


The Karis360 services are designed to assist at each stage of your healthcare experience. Karis360 provides unlimited access to a suite of dedicated services and a team of expert Patient Advisors work with members to assist in navigating the confusing and expensive world of healthcare. Again, please read the attached guide for more information on the following services:

  • Healthcare Navigator
  • Karis Surgery Saver
  • Karis Bill Negotiator

NOTE: We believe that the Karis360 services will significantly improve your experience using the Fixed Benefit plans by simplifying the process, reducing the stress involved and even lowering the end cost of just about ANY health care situation that might come up. Please take advantage of this service for ALL future healthcare situations!

Read more about Karis360 here:


Included with the Manhattan Life plans is the Teladoc benefit at no additional premium or copay to use if you are sick. This telemedicine benefit will save you a ton of money and time from not having to go to the doctor’s office when you have a simple illness like cold or flu. You will receive information in your policy or you can call 1-800-TELADOC. Physicians are available by phone or Skype 24/7/365. You have unlimited use of this benefit at no cost.

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. 

Manhattan Life Supplemental Benefits

Manhattan Life 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 Plan Rates

Accident Plan Benefit


Individual + Spouse

Individual + Child(ren)












Manhattan Life 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: Most women will deliver their baby in a hospital. That means they will ALWAYS have at least ONE overnight stay for the delivery. They will also have potentially LARGE out of pocket expenses for health insurance deductibles and coinsurance. As long as the mother-to-be is covered on this plan for longer than 1 year before delivery, the plan WILL PAY the selected benefit amount for the first overnight stay related to the delivery. Potentially saving you THOUSANDS out of your pocket.

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: AL, AR, AZ, CAFLGAIAIL, IN, KY, LA, MD, MIMOMSNC, ND, NENMNVOHOKPASC, SD, TNTX, WI

Plan Details and Information:

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

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

Manhattan Life 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 $7,500It 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: Manhattan Life 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. 

Manhattan Life Dental, Vision and Hearing Insurance:

Manhattan Life Dental, Vision and Hearing plan has two options. 

For more details see the Dental, Vision and Hearing Brochure

Recommended Fixed Benefit + Supplemental Plans Packages

The following represent two plan packages combining one of the Manhattan Life Fixed Benefit plan options with supplemental plans. Both provide a comprehensive plan with NO deductibles, 100% preventive care (PLUS copays for office visits, urgent care visits and outpatient diagnostic tests), strong hospital stay and surgery benefits, and EXTRA money for accidents, critical illnesses and treatment for cancer and other dread diseases. ALL combined the cost will still likely be 15% LESS than a high deductible (up to $8,000), limited network ACA/Obamacare plan.   


Option Level of Overall Benefits

Manhattan Life Affordable Choice 18 Plan Option


LifeSecure Accident Plan Benefit Amount


LifeSecure Critical Illness Benefit Amount


Manhattan Life Critical Care Plus Plan Option

Manhattan Life Out of Pocket Protection Plan Benefit Amount

Enrollment First SelectMed Plan^^^ Option

Good Option




Plan C


Pro Plan

Best Option

Elite Plus



Plan C


Pro Plan

^^^To review the details of this plan and download a brochure please visit our US Supplemental Plans page.

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

 If you would like to discuss your health insurance options to see if one of these Manhattan Life Fixed Benefit plans (combined with one or more Manhattan Life 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.

Refer Schedule a NO Cost or Obligation Consultation
Schedule an appointment to speak to one of our insurance professionals.
Policies Refer A Friend
We love referrals! And thank you even more for your continued business!
US Health Plans US Health Plans
See the insurance companies offering individual health plans in your state.

Knowledge and Expertise

About US 


Our Latest Blogs

Read More Read More Read More
Our Office Connect With US

Main Office

2843 238th Ave SE
Sammamish, WA 98075

Contact US Today!

PH: 206.409.3546
FX: 425.295.7171
E: info@

Our Employee Directory
  Facebook Twitter LinkedIn Google+ Blog

Home Get A Quote Customer Service Resources About US Contact Powered by Insurance Website Builder