Individual & Family Health Insurance Plans

Manhattan Life Elite Plus Level Plan

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Individual plans start at $101.92 per month
Family plans start at $319.64 per month     

• ZERO annual outpatient and inpatient deductible

 

• $5,000,000 in lifetime limit benefits

 

• Doctor’s office/urgent care visits are approximately ZERO… (plan pays $200 for a family doctor, $300 for urgent care center)

 

• Teladoc feature is included at no additional cost, which allows you to call a toll-free number and speak to a real doctor who can phone in a prescription to your local pharmacy – without ever going into a doctor’s office.

 

• Plan pays for outpatient tests like blood tests, MRIs, immunizations, x-rays, etc. – (You receive the PPO discount, plus the plan pays $50 to $600 per test)    

 

• Best national PPO network called First Health PPO – choose your own doctors, clinics, and hospitals – no penalty for using an out-of-network provider

 

• Annual wellness check-up doctor visits are covered – the plan pays $200 for office visits, $50 for lab work, an additional $300 for a mammogram, $300 for a pap smear or PSA level test, and $600 toward a colonoscopy

 

• Plan pays $300 toward emergency room visits and pays separately for scans,  x-rays, lab work, surgeries, etc. PLUS accident supplement pays additional benefits in addition to the base health plan for any accidental injuries

 

• Cancer radiation, chemotherapy, immunotherapy, ground or air ambulance, physical, occupational, and speech therapy, and benefits are included at no additional cost    

 

• Excellent hospital benefits – this plan pays $9,000  for your 1^st day of hospital confinement, $6,000 per day for each additional day in your hospital room with NO deductible, PLUS the plan pays 3 times the Medicare rate for surgical costs  (an actual hospital room only runs about $2,500 per day!) critical illness supplement also pays an additional $20,000 in benefits in case of a major illness like cancer, heart attack, stroke, etc. 

 

• Professional post-hospital negotiation services are included in case of any remaining bill of $400 or more to help get part or all of the remaining balance written off for the policyholder 

 

• Prescription drugs covered-  you receive a discount at the pharmacy counter of 30% to 60%, then the plan also pays you back $75 each time you have a prescription filled

AMERICA’S CHOICE MAJOR MEDICAL PLAN

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Individual plans start at $329 per month
Family plans start at $849 per month

•  Plan pays up to $5 million in lifetime benefits per family member

 

• Free annual checkup visit for each plan member, including all related testing like blood work, pap smear, mammogram, etc.

 

• Ultra-low annual plan deductible of $250 per person, or $500 for entire family Doctor’s office/urgent care visits are $50 copay (after deductible)

 

• Chiropractic and physical therapy $50 copay (after deductible)

 

• Free virtual primary care and urgent care, including dermatology and mental health is included that allows you to speak to a real doctor who can phone in a prescription to your local pharmacy – without ever going into a doctor’s office…

 

• Large national PPO network called MultiPlan PHCS PPO – choose your own doctors, clinics and hospitals – there is no network requirement for emergency room, hospital or surgical claims
  
  
  
•  Air or ground ambulance $ZERO copay
  
  
  
• Outpatient surgery $250 copay
  
  
  
• Inpatient surgery or hospital stay $1000 copay X-rays, labs or EKG $50 copay
  
  
  
• MRI/CT/PET scans $250 copay
  
  
  
• Diabetic supplies $35 per month total cost
  
  
  
• Maternity – regular delivery $250 copay C-section delivery $500 copay → Chemotherapy and radiation therapy $100 copay per visit
  
  
  
• Infusion or injection drugs $100 copay per visit
  
  
  
• Prescription drugs generic and preferred brand name $ZERO copay → Skilled nursing and home health care services $50 copay per visit Hospice services $ZERO copay