Life Vision Insurance: Manhattan's Comprehensive Coverage Plan

Manhattan Life offers a range of insurance products, including dental, vision, and hearing insurance. Their vision insurance includes coverage for basic eye exams, eyeglasses, and contact lenses. This insurance plan is available as part of their Dental, Vision, and Hearing package, which also includes dental coverage and hearing benefits such as hearing exams and hearing aids.

Dental, Vision, and Hearing Insurance

Manhattan Life offers a Dental, Vision, and Hearing Insurance plan that provides comprehensive coverage for individuals, families, and Medicare beneficiaries. This plan is designed to fill the gaps in traditional health coverage and give you peace of mind by offering protection for your health, wealth, and security.

The Dental, Vision, and Hearing Insurance plan offers a range of benefits with guaranteed issue and renewal for life. In terms of dental care, you are given the freedom to choose your dentist, whether they are in-network or out of network. The plan covers semi-annual exams, cleanings, x-rays, and fluoride treatment for those under 16. Basic services such as oral evaluations, diagnostic consultations, emergency palliative treatment, and basic restorative services are also included. For major dental work, the plan covers major restorative services, inlays/onlays/crowns, endodontic services, and implants. Orthodontic services for all ages are also covered, with a 12-month waiting period and a lifetime maximum benefit of $1,500.

Vision benefits include eye exams, eyeglasses, and contact lenses. You can choose from single, trifocal, bifocal, and progressive lenses, and there is a 6-month waiting period for eyeglass frames. Anti-reflective and polycarbonate lenses are also covered, as is the contact lens fitting fee, which is covered annually.

Hearing benefits include hearing exams, hearing aids, and necessary repairs or supplies. There is a 12-month waiting period for new hearing aids and existing hearing aid repairs.

The plan offers different tiers of coverage with policy year maximum benefits of $1,000, $1,500, or $3,000. You can choose specific benefits that suit your needs, whether it's dental only, dental and vision, dental and hearing, or the full package of dental, hearing, and vision. Manhattan Life's Dental, Vision, and Hearing Insurance plan provides flexibility, choice, and comprehensive coverage to ensure you can maintain and improve your health.

Medicare Supplement Plans

ManhattanLife Medicare Supplement Plans

ManhattanLife offers a range of insurance products for seniors, including Medicare Supplement Plans, to help fill the gaps in traditional health coverage. Their Medicare Supplement Plans are designed to provide a more cohesive approach to health and financial well-being by covering costs that Medicare does not, such as co-insurance, co-payments, and deductibles.

Dental, Vision, and Hearing Plans

ManhattanLife offers a comprehensive dental, vision, and hearing plan that provides coverage for a range of services. This plan allows individuals to choose their dentist or doctor, with guaranteed issue and renewal for life. The dental coverage includes annual benefits of up to $1,000 or $1,500. The vision coverage includes basic eye exams, eyeglasses, and contact lenses. The hearing coverage includes hearing exams, hearing aids, and necessary repairs or supplies. There are also options to include orthodontic services and additional vision benefits, such as anti-reflective and polycarbonate lenses.

Home Health Care Select

The Home Health Care Select plan is designed to provide financial support and flexibility for individuals who prefer to recover at home. This plan offers three base options, including a Home Health Care Aide and a Prescription Drug benefit. This plan is an affordable alternative to traditional care options, allowing individuals to receive the care they need in the comfort of their own homes.

Cancer, Heart & Stroke Coverage

ManhattanLife offers a lump-sum benefit of up to $75,000 to provide financial assistance in the event of a cancer, heart attack, or stroke diagnosis. These funds are paid directly to the individual, helping to prioritise financial obligations and ease financial hardships during challenging times.

Short-Term Care Insurance

This insurance plan is designed to provide financial assistance to individuals facing physical challenges due to injuries, illnesses, or medical conditions. It helps cover the costs of short-term care, ensuring individuals receive the necessary support for their health and well-being.

Annuities

ManhattanLife annuities offer a tax-deferred investing option, similar to IRAs and 401(k)s, but with additional benefits. They allow individuals to turn a lump sum into guaranteed income for life and provide the flexibility of penalty-free partial surrenders of up to 15% each calendar year, which is 50% more than the industry average.

Whole Life Insurance

ManhattanLife's Whole Life Insurance policy is designed to provide comprehensive coverage for final expenses, including medical bills, existing debt, and funeral expenses. This policy helps protect loved ones from financial burdens during difficult times.

ManhattanLife's Medicare Supplement Plans offer a range of options to cater to the diverse needs of seniors. With these plans, individuals can rest assured that they have the necessary support to maintain their health, wealth, and security during their senior years.

Cancer, Heart and Stroke Insurance

ManhattanLife's Cancer, Heart and Stroke Insurance is part of their Senior Lighthouse Series, which offers policies and annuities designed to protect seniors' health, wealth, and security. This series fills the gaps in traditional health coverage, giving seniors the tools to sustain their health and financial well-being in their senior years.

The Cancer, Heart and Stroke Insurance plan can be tailored to the policyholder's needs, with the ability to choose specific benefits. This flexibility ensures that seniors can create a plan that suits their individual circumstances and provides peace of mind should the unexpected happen.

In addition to cancer, heart attack, and stroke coverage, ManhattanLife also offers a range of other insurance products, including Medicare Supplement plans, Dental, Vision, and Hearing Insurance, and Home Health Care Select. Their Medicare Supplement plans, for instance, cover costs such as co-insurance, co-payments, and deductibles, providing a more cohesive approach to health and financial well-being. Similarly, their Dental, Vision, and Hearing Insurance offers coverage for a range of services, including basic eye exams, eyeglasses or contact lenses, hearing exams, hearing aids, and repairs.

ManhattanLife's insurance products provide valuable support and protection for seniors, helping to ease the financial burden associated with unexpected health issues and ensuring they can maintain their quality of life.

Home Health Care Select

ManhattanLife offers a range of insurance products for seniors, including the Home Health Care Select plan. This plan is designed to provide financial support and flexibility for those who need assistance recovering at home.

The Home Health Care Select plan offers three base options:

• Home Health Care Aide: This option provides assistance with daily living activities and personal care, such as bathing, dressing, and meal preparation. It also includes companionship and supervision for seniors who need monitoring.
• Prescription Drug Benefit: This option covers the cost of prescription medications, helping to ensure that individuals can afford the medicines they need during their recovery or ongoing treatment.
• Additional Base Option: ManhattanLife has not specified a third base option, but they may offer additional choices tailored to individual needs.

The Home Health Care Select plan provides flexibility in choosing the level of coverage that best suits an individual's requirements and budget. It is designed to be affordable, ensuring that seniors can access the necessary support without financial strain.

In addition to Home Health Care Select, ManhattanLife offers other insurance plans, such as Medicare Supplement, Cancer and/or Heart & Stroke coverage, Final Expense, and Dental, Vision & Hearing plans. These plans provide comprehensive support for seniors, ensuring their health and financial well-being are protected.

Whole Life Insurance

ManhattanLife offers a range of insurance products for seniors, including dental, vision, and hearing plans. While it is unclear whether their whole life insurance policies are available for seniors only, they do offer a whole life insurance policy that covers medical bills, existing debt, and funeral expenses.

Overall, whole life insurance provides comprehensive coverage and financial security for individuals and their families, making it a valuable option for those seeking lifetime protection and the added benefit of a savings component.

Frequently asked questions