This page is for agent training use only. Not meant for distribution to customers.


For today's medical uncertainties, people want a product to give them the Peace-of-Mind needed to plan for tomorrow. Affordable Choice with Manhattan Life offers clients the affordability to fit their budget, accessibility with few medical questions and flexibility to participate in the MultiPlan network or file claims on their own for reimbursement. Client has an option of four plans to choose from, each plan comes with Teledoc and Karis 360 benefit with unlimited uses.



  • Up to $5,000 Per Inpatient Day

  • Up to $100 Per Doctor Visit

  • $5 Million Lifetime Maximum
  • Hospital Admission Benefit

  • Outpatient Medical Benefit

  • Teledoc/Karis 360 Included
  • Surgery Benefit
    3X Medicare Fee Schedule

  • Up to $375 Emergency or
    Urgent Care Benefit


Actual Client Claim Examples


Hospital Stay with an Elite Plan
Description of Transaction
Amount
 
Total Charges - 7 Inpatient Days
$41,660.41
 
Total Adjustments/Network Discount
$18,747.18
 
Final Hospital Bill
$22,912.23

Affordable Choice Paid
Admission Benefit
$3,000
Affordable Choice Paid
Inpatient Benefit ($3,000 Per Day)
$21,000
 
Total Paid
$23,000


 Client came out ahead $87.77 after a seven day stay in the hospital!





Routine Preventative Exam with Classic Plan


Service Received
Cost
Plan Pays
Preventative Care/Office Visit
$95
$50
Lab Test
$90
$25
Total
$185
Subtract Network Discount
$55
Subtract Plan Pays Total
$75
Client Balance After Claim
$55


For routine visits, compare the client balance with copays on other plans with much higher monthly premiums and deductibles.
Affordable Choice wins!







 


Monthly Premium
Street Level Commission
Advance
Agent First Commission Check
Commission Example based on SSBI average annual premium amount.
218.45
30%
6 Month Advance
$393.21
Commission Example based on a 45 year old buying a Elite Family plan
508.26
30%
6 Month Advance
$914.87



Materials and Frequently Asked Questions


Download the Agent Guide!
Is there an online application?
Yes! Manhattan Life has one of the easiest eApps out there. Signature at the end of the app is the client's mother's maiden name. Type that in and submit! Perfect for over the phone sales. The link is built specific to your writing number, so you can even post the link on your website or social media for the client to access. Any application completed via that link is credited to you.


Download the Brochure
How are claims paid? 
There are two ways you can handle claims.
1) See if your doctor is a part of the MultiPlan Limited Benefit Network and take advantage of the network pricing. Doctor handles claim.
2) Client does self pay at the doctor office. Files claim on their own and is paid directly.


Contract Online Here
What is the commission?
 Street level commission is 30% with a six month advance option.

When can I get started?

Immediately!  Agent writing numbers are typically issued within 48 hours of contracting.  You can write business before you have a number if you live in a state where “Just in time contracting” is available.  Ask a marketer for details.