Manhattan Life Member User Guide
Your NAHP Alternative Health Plan is simply a bundle of products that when stacked together provide comprehensive health coverage at significantly lower prices. It is NOT an “all in one” - - that is Obamacare with all its problems. Your plan includes a Manhattan Life Fixed Benefit plan combined with other supplemental plans from Manhattan Life and/or other companies on our US Supplemental Coverage page.
To get the most out of this plan, it takes a little effort on behalf of the member. It is very important that you read the Outlines of Coverage so that you better understand the coverage. However, while it may take a little getting used to, the plan is simple and will save you a ton of money. It consists of the following:
Manhattan Life Fixed Benefit Plan
The Manhattan Life Fixed Benefit health plan provides you coverage for inpatient and outpatient services. You can use any provider you want, but using a network provider lowers your out of pocket costs by providing a pre-negotiated rate on services.
Manhattan Life Additional Plan Information
For additional information including a plan brochure for Your chosen plan, go to our Manhattan Life page
Manhattan Life PPO Network
The Manhattan Life Fixed Benefit plans allow you to go to any provider without restriction. However, these Fixed Benefit plans also 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!
Your Manhattan Life IDs cards and policies will be mailed directly to you. You should receive them 7 to 10 working days after your approval date. You should read your all policy information carefully.
To register and create a member account and login go to the: Manhattan Life Member Portal
The first time you visit, in the bottom right corner of the login box click "I want to register." The box will flip around and say "New User Registration" at the top. Check the dot next to "Life and Health Policies," and click on the "Register" button. From here follow the 5-step process to register and create your account. Once registered, you will come back to the link above to login to your account in the future.
Note: You'll need your member (policy) ID number to register.
Once you login to your account you will see your policies. You will also have access to everything you need to manage your policy. You can contact Manhattan Life directly through your account, or call them at the correct customer service phone number listed. There are also claim forms to download along with instructions. See the following regarding filing claims.
Customer Service Inquiries
Affordable Choice Fixed Benefit plans:
Manhattan Life now has a dedicated Customer Service phone number, fax line, and email address for all Affordable Choice plan inquiries/requests:
Phone: (800) 877-7792, option 5
Fax: (713) 821-6518
The AFC Customer Service line is comprised of hand-selected representatives that have been trained to provide information on all aspects of the Affordable Choice policies, including premiums, coverage changes, application status and other information.
For all other Manhattan Life plans such as the Out of Pocket Protection hospital inpatient benefit plan and the Cancer Care Plus Cancer and Dread Disease Treatment plans, all customer service and claims information is available through your member portal (above).
Claims Filing Instructions
If you are paying cash and filing for reimbursement you will simply file a claim with Manhattan Life by completing a claim form. From your online account click the "Forms" tab at the top of the page. Under where it says "Printable Forms" click the dropdown link for the type of policy that you have. You will then see all available forms. Click on the claim form that you need to download it.
As noted on the claim forms, please be sure to include the following when submitting claims:
- Submit all bills related to this claim such as doctor, hospital (must include the number of days confined, if applicable), ambulance, follow-up visits, physical therapy, etc. All bills should be itemized and should include the diagnosis, services rendered, date of service and actual charges for the service.
- Be sure to include your policy number on all documents.
- Provide list of physicians seen in last 2 years.
- Complete HIPPA form (last page of claim form)
Once you have completed your claim form, you can scan it to your computer and then use the "Easy Upload" tool that is to the right on both the "Home" and "Forms" page of your online account.
If you prefer to mail the claim form and claim information, you can mail it to:
Attn: Claims Department
P.O. Box 925309
Houston, TX 77292-5309
You can also fax the information to: 713-583-0677
Additional Included Benefits
As discussed in all previous information that I have sent, the following benefits are included within your Manhattan Life Fixed Benefit plan.
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. Karis360 provides the following services:
- Healthcare Navigator – Policyholders gain a resource and concierge-style service to help them through the chaos and confusion often associated with the healthcare marketplace. Our expert advisors will find everything needed to quickly and thoroughly solve your needs, including finding doctors and healthcare facilities, obtaining best available pricing for procedures, or help shop for better pricing on prescription drugs, imaging services or lab tests.
- Karis Surgery Saver - For those planning non-emergency surgical procedures, our team works to save money by “shopping” the local and regional market for healthcare facility options that combine affordability and quality services for a given non-emergency surgery.
- Karis Bill Negotiator - Is available to address your out-of-pocket portion of medical bills incurred after healthcare services are performed—this element of our service is quite valuable and often reduces the amount owed by the customer.
NOTE: We believe that the Karis360 services will significantly improve your experience using the Manhattan Life 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!
***Karis360 contact number for Manhattan Life Fixed Benefit plans: 1-855-399-4457
Read more about Karis360 here: https://thekarisgroup.com/services/karis360
Included in all Manhattan Life Fixed Benefit Plans program is the Teladoc benefit at no additional premium or copay to use if you are sick. It will save you 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.
Your package from Teladoc has your card so you can verify the number. This is received separately from your Manhattan Life member packet.
Use this link to create your account: https://member.teladoc.com/registrations.
Helpful Teladoc links:
How Teladoc works.
What kind of health care issues can it be used for?
Answers to FAQ’s.
Prescription Discount Program:
Also included in all Manhattan Life Fixed Benefit Plans is a prescription drug discount benefit. Use the drug pricing tool to price prescriptions at pharmacies in your zip code. Go to http://www.findlowrx.com and click the drug pricing link.
US Healthcare Resources and Shopping Services
In addition to the information above, don't forget to go to our US Healthcare Resources page for a detailed list of online healthcare shopping tools and resources. They include sites to help you shop for the best price (or fair price) on all different types of healthcare. There are also providers offering deeply discounted prices on multiple different types of care.
Contact Me Anytime for ANY Reason:
If you have ANY other issues or questions throughout the year, I am here to help! So, please contact me at ANY time! You can schedule a call on my online calendar by clicking the link above that says CALL ME and picking a day and time that works best for you. You can also call or text me at the number in the top right corner of this website or send me an email to email@example.com.