Product
This section is to provide answers to all of our product-related questions.
Accident
Affordable Choice
- Will ManhattanLife pay Affordable Choice benefits if my client is admitted into a Hospital while out of the country?
- What type of insurance is the Affordable Choice plan?
- What is the maximum inpatient hospital confinement daily benefit under the ELITE PLUS plan in year 5?
- Which of the following benefits is included in the Enhanced Affordable Choice plan?
- Which plan offers the highest benefit multiplier for surgeries?
- Which of the following services are included in the Green Imaging partnership?
- How much is the Doctor's Office Visit benefit per day under the CLASSIC plan?
- Affordable Choice pays the fixed daily benefits regardless of what your provider charges
- The policy provides full reimbursement of healthcare expenses
- What is the maximum annual benefit for outpatient services under the ELITE plan?
- Which network partners provide prescription drug discounts under the plan?
- What is the annual calendar year limit for the cancer benefit (radiation, chemotherapy, immunotherapy)?
- What is the maximum lifetime benefit for a covered person under this policy?
- The policy includes a rollover provision for unused doctor's office visits
- This insurance satisfies the Affordable Care Act's Minimum Essential Coverage requirement
- Would Chiropractic be considered a Dr's office visit benefit or Therapy Services under the Affordable Choice product?
- Is Infrared Light Therapy covered under the Affordable Choice plan?
- What happens to an Affordable Choice policy when an adult policyholder turns 65?
- Under the Affordable Choice policy, if a customer is hospitalized due to an accident and then transferred to a rehabilitation hospital, will the policy continue paying daily hospital benefits?
- Do plan upgrades for the Affordable Choice product require additional underwriting?
- Can same-sex married couples and domestic partners benefit from the Affordable Choice plan?
- Do upgrades to a client's Affordable Choice plan require underwriting?
- Are days in Hospice covered under the daily hospital confinement benefit if the hospice is provided in a hospital room?
- What are the limitations and exclusions for ManhattanLife's Affordable Choice Product?
Cancer
- The Waiver of Premium applies to the spouse and children of the insured
- The ambulance benefit has a limit of twice per occurrence
- The Monthly Income Benefit is paid for up to 12 months
- Lodging benefits can be used for any family member, regardless of when the treatment occurs
- The Recurrence Benefit pays 25% of the First Occurrence Benefit
- Under what condition does the Waiver of Premium apply?
- What is the transportation reimbursement rate for noncommercial travel?
- What is the transportation mileage threshold to qualify for the transportation and lodging benefit?
- What is the maximum lodging benefit per day?
- What is the maximum ground ambulance benefit per event?
- What is the daily benefit for hospital confinement due to a covered event?
- What is the Monthly Income Benefit under Plan 2
- What is the First Occurrence Benefit amount under Plan 3?
- How long must a recurrence occur after the initial event for the Recurrence Benefit to be payable
- Which of the following is not a covered specified health event?
- Experimental treatment must be received within the United States or its territories to qualify for coverage
- The outpatient surgery benefit is payable for procedures in a physician's office
- The cancer screening benefit is available only if charge is made for the test
- Transportation benefits are available only if the treatment is more than 100 miles away
- Cancer insurance pays benefits directly to your healthcare provider
- What is the benefit amount for a one-time hairpiece due to treatment-related hair loss?
- Which of the following benefits is paid only per covered person?
- Which rider provides coverage for ICU stays?
- What is paid for a prescribed outpatient diagnosis test?
- What is the lifetime maximum benefit for the Bone Marrow Transplant
- What is the benefit amount for an adult companion's lodging and meal expenses per day?
- How much does the policy pay per day for a hospital confinement under Plan B
- Which of the following is NOT listed as a covered dread disease?
- What is the First Occurrence Benefit amount under Plan D?
- What is the maximum monthly benefit for chemotherapy under Plan C?
- Angioplasty procedures are covered at 50% of the benefit amount
- Someone dies of cardiovascular disease every 36 seconds in the U.S.
- Patients without insurance are at increased financial risk due to rising healthcare costs
- The Cancer and/or Heart & Stroke policy pays benefits directly to your healthcare provider
- Which rider allows benefits to be restored after a claim under the Heart & Stroke plan?
- Which source reported U.S. healthcare spending projected to reach $18,000 per person by 2028?
- Which of the following statements is true about the Cancer Recurrence Rider?
- In the example with Judith, how much did she receive for an angioplasty under her $50,000 Heart & Stroke plan?
- What waiting period must be satisfied before benefits are payable under the Heart & Stroke plan?
- What is the benefit payout percentage if someone has been free of medical advice or treatment for cancer for 5-10 years?
- Which of the following is not one of the qualifying event listed under Heart & Stroke Benefits?
- What percentage of benefit is paid for a Heart Valve Replacement?
- What is the maximum benefit amount available under the Cancer or Heart & Stroke coverage?
- Which product series includes the Cancer and/or Heart & Stroke policy?
- Judith's policy paid her a full $50,000 after her angioplasty
- Can someone add a contingent beneficiary on a cancer plan?
Dental Vision & Hearing
- How are DVH Select Basic Services Covered?
- What is the maximum annual policy benefit available under the DVH Select plan?
- Which of the following has a 12-month waiting period?
- How many dental cleanings are covered per year?
- What does UCR stand for?
- Vision services provide up to how much annually for eyeglass frames and contact lenses?
- Which network is associated with dental services in this plan?
- The plan requires a $200 deductible for all services
- Basic Medicare does not cover dental, vision, or hearing services
- The plan offers guaranteed issue coverage for ages 18-99
- Which of these benefits applies starting in year 2 and not in year 1?
- What is the lifetime maximum for Orthodontia benefits?
- What is the coverage rate for preventive dental services in-network?
- What is the per-ear, per-year hearing aid benefit maximum?
- The DVH Select plan allows you to choose your own dentist, even outside the network
- Vision services start at 80% coverage in year one
- There are no deductibles or coinsurance requirements in the Affordable Choice Enhanced plan
- Is the removal of Wisdom Teeth covered with the Dental, Vision & Hearing Select plan?
- How are DVH Select Major Services covered?
- If a client switches from DVH Legacy to the DVH Select plan, do they start over with lower benefit amounts in year 1 or do they get credit for prior time with DVH and go to the higher benefit amounts?
General
- Are product training videos available to view?
- What is the minimum number of lives required for a list bill arrangement?
- Can I use DocuSign to collect signatures on paper applications?
- What happens to someone's policy if they move to another state?
- Can someone apply for a ManhattanLife policy in a state where they do not live?
- Are there any product videos?
- How do I view product trainings for this month?
- Where can I find product agent guides?
- Where can I find product availability?
- What products at ManhattanLife are issue age, and which are attained age?
- Is Critical Protection and Recovery (CPR) available in New York?
Group GAP
Home Health Care
Omni-Flex Short-Term Care
- Are the benefits received when on claim for Omni-Flex Short-Term Care taxed?
- Can agents submit a pre-determination request for the Short-Term Care product?
- What is the policy issue age range for OmniFlex?
- Which optional benefit increases the Daily benefit by 5% annually after the 6th year?
- How long must you go without needing care to qualify for Restoration of Benefits?
- The Hospital Indemnity Benefit Rider is available in all 50 states
- You must be receiving services under OmniFlex to claim the prescription drug benefit
- The Fast-50 Benefit can be used even if a friend or family member is providing care
- What is the maximum number of days covered under the Bed Reservation Benefit?
- What are the four elimination period options offered in OmniFlex?
- Which optional benefit increases the Daily Benefit 5% annually after the 6th year?
- OmniFlex benefits are paid in addition to any other health coverage the insured may have.
- What type of insurance is OmniFlex
- What is the purpose of the Fast-50 Benefit?
- What is the maximum daily benefit amount available under OmniFlex Facility Care?
- Which of the following is NOT automatically included in the base policy?
- OmniFlex benefits paid in addition to any other health coverage the insured may have
- Name two types of facilities that are covered under the standard OmniFlex policy
- In the case study about Anthony, how much did he receive daily from the Fast-50 benefit after 10 years?
- You must be receiving services under OmniFlex to claim the prescription drug benefit
- Name two types of facilities that are covered under the standard OmniFlex policy
- Can a Short-Term Care policyholder increase or decrease their benefits?
- Can a Short-Term Care policyholder add or remove a Rider?
- Is OmniFlex Short-Term Care registered as a 7702B for tax purposes?
- Are the premiums paid for Omni-Flex Short-Term Care tax deductible?
- Do we collect Premium at application time or does the applicant pay at issue time?
- How does Omni-Flex Short-Term Care work with Medicaid?
- Is there a height/weight chart used in underwriting for Short-Term Care?
- Is this an Indemnity product that pays cash and there is no co-ordination with Medicare or any other insurance?
- What does it mean when the Outline of Coverage says "Functional Capacity" is lost.
- Can a policyholder receive the full $9,000 monthly benefit for Omniflex homecare if a family member or friend provides the care?
- Can an insured have both Home Health Care and Short-Term Care from ManhattanLife?