Affordable Choice

The Right Plan for Changing Times

Hospital Indemnity Plans

Affordable Choice from ManhattanLife is a Hospital Indemnity plan. Hospital Indemnity plans provide specific, fixed benefits and pay directly to you. Affordable Choice has no deductible and gives you coverage for many of your healthcare needs. View some of the benefits you receive in the section below to decide if Affordable Choice is the right plan for you.

Get the Benefits You Need

  • Inpatient Benefits
  • Hospital Admission Benefit
  • Surgical Benefits
  • Doctor's Office visit
  • Outpatient Medical Benefits
  • Emergency or Urgent Care
  • $5,000,000 Lifetime Benefit Maximum

The Right Plan for Changing Times

For today’s medical uncertainties, people want a product to give them the Peace-of-Mind needed to plan for tomorrow.

  • Affordability - Choose from four plan options; find the one that fits your budget.
  • Accessibility - Only a few medical questions on the application.
  • Flexibility - Keep your own doctors; choose from individual or family coverage, and access network discounts.
Affordability
Choose from four plan options; find the one that fits your budget.
Accessibility
Only a few medical questions on the application.
Flexibility
Keep your own doctors; choose from individual or family coverage, and access network discounts.

Choose the Plan that Works for You

Elite Plus
Elite Plus

Starts at $163.41

$5,000
Per hospital day
$100
Per doctor visit (4 per yr)
$2,700
Per day for cancer treatment (40 days/yr)
$75
Prescription benefit per day ($750/yr max)

See more details

See my Rates

Elite
Elite

Starts at $119.65

$3,000
Per hospital day
$75
Per doctor visit (4 per yr)
$2,000
Per day for cancer treatment (40 days/yr)
$50
Prescription benefit per day ($750/yr max)

See more details

See my Rates

Classic Plus
Classic Plus

Starts at $89.30

$2,000
Per hospital day
$75
Per doctor visit (3 per yr)
$1,000
Per day for cancer treatment (40 days/yr)
$50
Prescription benefit per day ($750/yr max)

See more details

See my Rates

Classic
Classic

Starts at $69.00

$1,500
Per hospital day
$50
Per doctor visit (3 per yr)
$1,000
Per day for cancer treatment (40 days/yr)
$25
Prescription benefit per day ($750/yr max)

See more details

See my Rates

Ages 18 to 64 can apply at any time - No enrollment periods

How You Save with Affordable Choice


Affordable Choice helps get you more for your money with the MultiPlan* of networks. MultiPlan is one of the oldest and largest healthcare networks in America. MultiPlan contracts with over 770,000 respected practitioners, 5,000 hospitals, and 70,000 ancillary care facilities all over the country. You save an average of 20-30% off inpatient and outpatient hospital charges when you use the MultiPlan Network, however; you may choose doctors and hospitals outside of the network, it’s up to you!


RXedo Prescription Benefit Partner:*

Use the Drug Pricing tool to find prescription prices at pharmacies in your zip code.

  • Discounts to 80%
  • Completely free to use
  • Accepted at over 67,000 pharmacies nationwide
  • Discounts on over 10,000 medications
  • Average savings over 65% per prescription.

  • Karis360 helps policyholders save on out-of-pocket expenses through 3 services:
  • Karis Bill Negotiator - Negotiates directly with providers and collection agencies to reduce a policyholder’s medical bills.
  • Karis Healthcare Navigator - Each policyholder receives a personal expert advisor to help them find the best deals on their healthcare needs.
  • Karis Surgery Saver - Specialized Advisors help policyholders compare cost, quality and availability of facilities in the area when a non-emergency procedure is considered.

Teladoc Teladoc is a modern day house call with immediate access to a network of board-certified physicians. Physicians are available anytime, anywhere for personalized, secure, web or phone-based consultation that includes diagnosis and treatment of medical issues. Teladoc offers a fast, affordable alternative for minor medical problems and health issues. No visit fee is required and all physicians are licensed, board certified and based in the U.S.

Prefer speaking with a licensed expert?

1-800-369-3600

Mon - Thu 8:00 AM to 6:00 PM CST
Fri 8:00 AM to 2:00 PM CST

Benefits and riders may vary by state and may not be available in all states. This is not a complete disclosure of plan qualifications and limitations. Please access our website to obtain a completed list for the Affordable Choice product at disclosure.manhattanlife.com. Please review this information before applying for coverage. The amounts of benefits provided depend on the plan selected. Premiums will vary according to the selection made.

THIS POLICY PROVIDES LIMITED BENEFITS.

Policy Form Numbers
AFC, AFC-LA, AFC-OK, AFC-TX (including state variations)

Rider Form Numbers
AFCDXRD, AFCDXRD-LA, AFCCARD, AFCCARD-TX (including state variations)

All/Other insurance plans advertised through this website may be underwritten by ManhattanLife Assurance Company of America, Family Life Insurance Company, The Manhattan Life Insurance Company or Western United Life Assurance Company. (“The companies”) The purpose of this communication is the solicitation of insurance. Contact may be made by the Companies listed or one of our agents. Plan information contained on this site is designed to give a brief description of the policy(s). The exact terms, exclusions, limitations, definitions, conditions and qualifications will be found in the policy delivered to you. The terms of the policy govern. [All insurance policies require submission of application and issuance of a policy(s).] Some products may not be available in all jurisdictions.