ManhattanLife FAQs: Answers on Supplemental Plans, Final Expense, Costs and Claims
These ManhattanLife FAQs answer the questions people ask most about this carrier and its cash-benefit plans. Licensed Vivna agents wrote every answer in plain English. So you can compare its cancer, hospital, short-term care and final expense coverage with confidence. Call 888-730-6001 anytime for free help.
Vivna Insurance is an independent, licensed agency offering ManhattanLife supplemental, life and dental insurance products. Plans, benefits, and availability vary by state.
ManhattanLife Basics
A long history deserves clear answers. So start here to see who ManhattanLife is and what it offers.
โ What is ManhattanLife?
An insurance company with roots in the 1800s, now run from Houston, Texas.
It began in New York and ranks among the oldest life insurers in America. Today, it focuses on supplemental health, final expense and coverage for older adults.
Through Vivna, it offers cash-benefit and life policies. So start with our ManhattanLife carrier guide.
โ Is ManhattanLife a good insurance company?
Yes. It has a long track record and an A+ rating from the Better Business Bureau.
Its supplemental and final expense plans are popular with agents nationwide. Moreover, many policies are guaranteed renewable for life.
Still, the right carrier depends on your needs. So we compare it with others for free at 888-730-6001.
โ Who owns ManhattanLife?
Manhattan Life Group, a privately held family of insurance companies.
ManhattanLife is the brand name for several affiliated insurers. These include The Manhattan Life Insurance Company and Standard Life and Casualty Insurance Company.
Your policy names the exact company that issues it. So ask us if your paperwork shows a name you do not recognize.
โ Why does my policy show a different company name?
Several ManhattanLife companies issue its products, depending on the plan.
For example, Secure Advantage final expense comes from Standard Life and Casualty. Meanwhile, OmniFlex short-term care comes from ManhattanLife Insurance and Annuity Company.
All of them work under the same ManhattanLife brand. Still, call 888-730-6001 if anything looks unclear.
โ What does ManhattanLife offer through Vivna?
Supplemental health, final expense life, short-term care and dental, vision and hearing plans.
Cancer, heart attack and stroke policies lead the supplemental lineup. In addition, hospital indemnity and accident plans pay cash after covered events.
Each product solves a different problem. So compare them on our supplemental insurance plans page.
โ Does ManhattanLife sell Medicare plans?
Yes, it offers Medicare supplement plans in many states.
Many older adults first hear its name through Medicare mail. However, Vivna focuses on its supplemental, life and short-term care products.
Still, we will point you the right way. Read about coverage before Medicare.
โ Why buy ManhattanLife through Vivna?
Free licensed help plus honest side-by-side carrier comparisons.
We quote it beside Aflac, Mutual of Omaha and Cigna. Then the best fit for your budget wins.
Prices are the same whether you buy direct or through us. Also, learn why agents matter.
โ Is ManhattanLife available in my state?
Most products sell in most states, but benefits and riders vary by state.
Some plans and riders are not offered everywhere. For instance, one hospital cash rider skips New Hampshire.
Still, one quick call confirms your options. Dial 888-730-6001 or visit our state coverage hub.
โ Can ManhattanLife replace my health insurance?
No. Its supplemental plans add cash benefits on top of real health coverage.
Policies like hospital indemnity are not major medical plans. Instead, they help with the bills your main plan leaves behind.
Pair them with an ACA or short-term plan. Then see our health insurance plans for primary coverage.
โ How do I apply for ManhattanLife coverage?
One call with a licensed Vivna agent usually finishes it.
We compare plans, run quotes and submit the application together. Plus, many products ask only a few health questions.
Coverage can start soon after approval. Then call 888-730-6001, or request a free quote.
Final Expense and Life Insurance
Final expense coverage protects families from a sudden bill. So here is how the ManhattanLife version works.
โ What is ManhattanLife final expense insurance?
Secure Advantage, a whole life policy built for funeral and end-of-life costs.
It pays an immediate death benefit to your beneficiaries. Also, it builds guaranteed cash value over time.
Families often use the money for funerals, medical bills and small debts. Also, read the benefits of whole life.
โ Is there a waiting period on ManhattanLife final expense?
No. Approved applicants get full coverage from day one.
Many final expense policies pay only partial benefits early on. By contrast, Secure Advantage offers an immediate death benefit.
That makes it a strong pick for healthier older adults. So we check your eligibility at 888-730-6001.
โ Who can buy Secure Advantage final expense?
Issue ages run from newborn to 85.
Applicants ages 50 to 85 use a separate application. Meanwhile, younger buyers can lock in larger benefits.
Age alone rarely blocks this coverage. Also, see why life insurance matters.
โ How much final expense coverage can I buy?
Up to $50,000 before age 50, $25,000 through age 80, and $15,000 after that.
The maximum depends on your age when the policy is issued. Therefore, buying earlier opens higher benefit limits.
Most families choose an amount near expected funeral costs. Then get exact numbers through a free quote.
โ Do I need a medical exam for final expense?
No. Final expense applications skip exams and lab work.
Instead, you answer health questions on the application. Approval decisions then come quickly for most people.
Honest answers keep your coverage solid later. So we walk through every question with you.
โ Does ManhattanLife final expense build cash value?
Yes. As whole life coverage, it builds guaranteed cash value.
The value grows slowly while you pay premiums. Later, it can provide options like a policy loan.
Still, the main goal is a guaranteed payout. Also, see the whole life benefits guide.
โ What riders can I add to final expense?
An Accidental Death Benefit Rider is available.
It pays an extra benefit if death results from a covered accident. Then the base policy still pays as usual.
Rider availability varies by state. So ask us what applies where you live.
โ Does ManhattanLife sell term life insurance?
Through Vivna, its main life product is whole life final expense.
For term coverage, we compare carriers like Mutual of Omaha and Aflac. That way, you still get the right policy type.
Term life fits mortgages and young families best. Also, read why term life matters.
โ Are final expense benefits taxable?
Death benefits are generally paid income-tax free.
Your beneficiaries usually receive the full amount without income tax. However, every situation differs slightly.
Still, ask a tax advisor about your own case. Meanwhile, we can explain how the payout works at 888-730-6001.
Cancer, Heart Attack and Stroke
A serious diagnosis brings bills a health plan does not cover. So here is how ManhattanLife critical illness plans help.
โ What is ManhattanLife cancer, heart attack and stroke coverage?
A plan that pays a lump sum after a covered diagnosis.
You choose cancer only, heart attack and stroke only, or both. Then the cash goes straight to you.
Combined benefits can reach $150,000. Also, learn more about supplemental coverage options.
โ How can I use the lump sum?
Any way you choose, from deductibles to rent.
No rules limit how you spend the benefit. For example, many families cover travel, lost income or childcare.
Cash helps most when costs spike suddenly. Also, see out-of-pocket costs explained.
โ What riders come with cancer and heart coverage?
A Cancer Recurrence Rider and a Heart and Stroke Restoration Rider.
The recurrence rider helps if cancer returns later. Similarly, the restoration rider can renew heart and stroke benefits.
Riders add cost but extend protection. So we price both options at 888-730-6001.
โ What is Critical Protection and Recovery?
A critical illness plan for events like heart attack, stroke and organ transplant.
It also covers coma, major burns, bypass surgery, paralysis and end-stage renal failure. Cancer coverage can be added as an option.
Benefits include a first occurrence payment and monthly income. So compare it with our supplemental plans.
โ What does Critical Protection and Recovery pay for?
Hospital stays, ambulance rides, travel, lodging and monthly income.
A recurrence benefit can pay again in some cases. In addition, a waiver of premium may apply during claims.
Details vary by state and plan level. So read your outline of coverage, or call us at 888-730-6001.
โ What is Cancer Care Plus?
A cancer policy that also covers a few other serious diseases.
Those diseases include multiple sclerosis, epilepsy, meningitis and muscular dystrophy. Meanwhile, it pays for screenings, treatment and hospital stays.
Optional riders add intensive care and critical care benefits. Also, see how cancer coverage fits.
โ Does Cancer Care Plus help with treatment costs?
Yes. It pays benefits for radiation, chemotherapy and immunotherapy.
It also helps with surgery, prescribed drugs and hospice care. Plus, transportation and lodging benefits help when treatment means travel.
These costs add up fast after a diagnosis. So read how deductibles work alongside it.
โ Who should consider cancer or heart coverage?
People with a family history, a high deductible or thin savings.
A serious illness can strain even strong budgets. Therefore, a lump sum buys breathing room.
Your health plan still pays the doctors. Meanwhile, this plan pays you.
โ Does it pay if I already have health insurance?
Yes. Benefits pay regardless of your other coverage.
Nothing offsets against your health plan payments. Likewise, a spouseโs coverage changes nothing.
Stacking coverage is the whole design. Also, see what health insurance covers.
โ Is there a waiting period on critical illness benefits?
Many policies use one, so check your outline of coverage.
Waiting periods stop people from buying after symptoms appear. As a result, buying early matters.
We explain the exact rules before you apply. Then call 888-730-6001 for a walkthrough.
Hospital Indemnity and Accident
Hospital bills arrive fast after an emergency. So here is how ManhattanLife cash plans soften the blow.
โ What is ManhattanLife hospital indemnity insurance?
Coverage that pays you set cash amounts for hospital stays and care.
ManhattanLife offers two versions: Affordable Choice and Hospital Indemnity Select. Both pay benefits directly to you.
The cash can cover deductibles or bills at home. Also, read about high-deductible plans.
โ What is Affordable Choice?
A hospital indemnity plan for ages 18 to 64, with family rates.
It covers hospital admission, surgery, office visits, prescriptions and more. Also, benefits are available right away.
Rates are age-banded and do not rise every year. So compare it with a free quote.
โ Can I keep my own doctors with Affordable Choice?
Yes. You keep your doctors and can save at First Health network providers.
The plan pays cash, so there is no strict network. However, First Health providers offer discounted rates.
Use our Find a Doctor tool to check providers. Then call us with any questions.
โ What is Hospital Indemnity Select?
A hospital cash plan for ages 18 to 89.
It covers hospital confinement, observation stays and mental health care. Optional riders add skilled nursing and first-day admission benefits.
It was built to help with ACA and Medicare Advantage gaps. Also, read about out-of-pocket costs.
โ Is Hospital Indemnity Select guaranteed issue?
Yes, for applicants ages 64ยฝ to 70.
Those buyers face no health questions for approval. Meanwhile, the policy stays guaranteed renewable for life.
That makes it a smart fit near retirement. So call 888-730-6001 to check your options.
โ What do both hospital plans cover?
ER visits, urgent care, ambulance rides and hospital stays.
They also pay for short stays, first-day admission and outpatient surgery. In addition, members get extra services like telehealth access.
Benefit amounts depend on the plan you pick. So compare supplemental plans side by side.
โ What is Personal Accident Indemnity?
An accident plan for ages 18 to 84 that pays cash after injuries.
Choose 24-hour coverage or off-the-job coverage. Then pick one or two units of benefits.
It pays for ER care, X-rays, ambulance rides, surgery and more. A Wellness Rider is also available.
โ What is the 24-Hour Accident Expense plan?
An accident plan for ages 18 to 74, on or off the job.
It helps pay emergency treatment, hospital stays and follow-up care. Plus, it includes accidental death and dismemberment benefits.
Coverage is guaranteed renewable to age 80. Also, ask us how it compares with Aflac accident plans.
โ Who benefits most from accident coverage?
Active families, hands-on workers and anyone with a high deductible.
Sports injuries and work mishaps add up quickly. Therefore, cash after an accident softens the hit.
Accident plans also pair well with short-term coverage. Then see short-term health insurance.
โ Does hospital indemnity pair with an ACA plan?
Yes. It helps cover the deductible an ACA plan leaves behind.
Bronze plans often carry high deductibles. Consequently, one hospital stay can mean thousands in costs.
A cash plan fills that gap. So compare options on our health insurance page.
Short-Term Care, Dental and Vision
Recovery care and routine checkups both cost money. So here is how ManhattanLife care and dental plans work.
โ What is OmniFlex short-term care insurance?
A policy that pays a daily benefit for nursing home or assisted living care.
It covers stays of up to one year, unlike long-term care. Hospice and bed reservation benefits are included too.
An optional rider adds home health care. So call 888-730-6001 to compare designs.
โ Who can buy OmniFlex short-term care?
Adults ages 45 to 89, with simplified underwriting.
The application asks health questions but requires no exam. Also, the policy is guaranteed renewable.
Buying sooner usually means easier approval. Read about planning before retirement.
โ How much does OmniFlex pay per day?
Facility care pays $50 to $400 per day, chosen in $10 steps.
The optional home health rider pays $50 to $300 per day. However, the full daily amount builds over time.
It starts at 50% and reaches 100% by the fifth policy anniversary. We explain that schedule before you apply.
โ What benefit and elimination periods can I choose?
Benefit periods of 90 to 360 days, and elimination periods of 0 to 90 days.
The lifetime maximum equals two times your benefit period. Meanwhile, shorter elimination periods start payments sooner.
Your choices set the premium. Then get prices with a free quote.
โ When does short-term care start paying?
When you need help with two daily activities or have a cognitive impairment.
Daily activities include bathing, dressing and eating. After the elimination period, benefits begin.
The Fast-50 feature can pay a first-day benefit for care at home. So ask us how it works.
โ What extra benefits come with OmniFlex?
Restoration of benefits, prescription help and a bed reservation benefit.
Benefits can restore after 180 days without care. Also, a 10% spousal discount may apply.
A 5% inflation option and a hospital cash rider are available too. So compare them at 888-730-6001.
โ What is ManhattanLife Dental, Vision and Hearing?
A guaranteed issue plan covering dental care, eye care and hearing aids.
You choose any dentist, in or out of network. In addition, annual maximums run from $1,000 to $5,000.
Coverage is guaranteed renewable for life. Also, read our dental coverage guide.
โ Does the ManhattanLife dental plan have waiting periods?
Preventive and basic care start right away, while major care waits 12 months.
Vision eyewear waits six months on the base plan. Similarly, new hearing aids wait 12 months.
DVH Select removes most dental waiting periods. So compare plans on our dental insurance page.
โ What does DVH Select add?
Issue ages up to 89, a $0 deductible option and orthodontia.
Orthodontia carries a $1,500 lifetime maximum after 12 months. Also, an optional Careington network adds discounts.
Benefits also grow the longer you keep the policy. Also, see dental and vision bundles.
โ Who fits ManhattanLife dental best?
Older adults and anyone who wants to keep their current dentist.
Original Medicare skips most routine dental care. Therefore, a guaranteed issue plan fills that hole.
Hearing aid coverage is a rare bonus. Also, read how to find a dentist.
ManhattanLife Costs and Value
Price questions deserve straight answers. So here is what ManhattanLife costs and where it shines.
โ How much does ManhattanLife cost per month?
It depends on the product, your age and the benefits you pick.
Accident and hospital plans often cost less than a phone bill. Meanwhile, short-term care and cancer plans cost more.
Real quotes take minutes. So start a free quote now.
โ What sets my ManhattanLife premium?
Age, state, benefit amounts, riders and sometimes tobacco use.
Higher daily benefits and lump sums raise the price. Likewise, extra riders add cost.
Carriers weigh factors differently, which is why we compare. Also, read about cost breakdowns.
โ Do ManhattanLife rates rise every year?
Many plans use age-banded or issue-age rates, so they do not rise yearly.
Affordable Choice, for example, avoids annual age increases. Final expense rates never increase at all.
Rate rules differ by product, though. We confirm yours before you sign.
โ Is ManhattanLife worth it?
For older adults and supplemental gaps, it is a strong option.
Guaranteed renewable plans and immediate final expense benefits stand out. Besides, its product range is wide.
Fit still depends on your situation. So call 888-730-6001 for a straight answer.
โ How does ManhattanLife compare with Aflac?
Both pay cash benefits, but their product lineups differ.
Aflac leans on accident and workplace products. Meanwhile, ManhattanLife shines on short-term care and coverage for older adults.
We quote both side by side for free. Also, see our Aflac carrier guide.
โ How does ManhattanLife compare with Mutual of Omaha?
Both serve older adults well, with different strengths.
Mutual of Omaha offers guaranteed issue whole life and term options. By contrast, ManhattanLife offers immediate-benefit final expense.
Health and age decide the better fit. So compare on our Mutual of Omaha page.
โ How do I pay ManhattanLife premiums?
โ What happens if I miss a payment?
A grace period usually protects you for a short time.
Pay within that window and coverage continues. Otherwise, the policy can lapse.
Reinstatement may require new health answers. So call us right away if a payment slips.
โ Can I cancel a ManhattanLife policy?
Yes. A free-look period even allows a full refund early on.
OmniFlex, for example, includes a 30-day free look. After that, you can still cancel anytime.
Right-sizing coverage sometimes beats cancelling outright. So talk it through at 888-730-6001.
โ Does Vivna charge for help with ManhattanLife?
Never. Licensed agent help is always free.
Carriers pay agents, so you never do. Furthermore, prices match whether you buy direct or through us.
Free expertise beats guessing alone. So learn more about Vivna Insurance.
ManhattanLife Claims and Service
Claims usually arrive at hard moments. So here is how filing and payment really work.
โ How do I file a ManhattanLife claim?
File online with ManhattanLife, by mail, or with help from your Vivna agent.
Gather bills, discharge papers and doctor statements first. Then submit the claim form with your policy number.
Vivna helps clients through every step. So call 888-730-6001 for help.
โ What documents do supplemental claims need?
Proof of the covered event, like bills, records or a diagnosis.
Hospital claims usually need admission and discharge dates. Likewise, cancer claims need a pathology or doctor report.
Complete files pay faster. Also, see the claim timeline guide.
โ Where do I mail ManhattanLife health and life claims?
ManhattanLife, P.O. Box 925309, Houston, Texas 77292-5309.
Keep copies of everything you send. Also, note the date you mailed it.
Online filing is often faster. Still, we can point you to the right form.
โ How long do ManhattanLife claims take to pay?
Clean claims typically pay within weeks.
Missing documents cause most delays. Therefore, send complete records the first time.
State laws also require timely payment. Also, read how to track a claim.
โ How do beneficiaries claim final expense benefits?
Contact ManhattanLife with the policy number and a certified death certificate.
The carrier then sends claim forms to complete. Afterward, the benefit pays directly to the beneficiary.
Funeral homes can help order certificates. Vivna also guides families at 888-730-6001.
โ Why would a ManhattanLife claim be denied?
Usually an excluded condition, a waiting period or a lapsed policy.
Pre-existing condition limits also apply on some plans. Meanwhile, missing paperwork can look like a denial.
Always ask for the reason in writing. Then read how to appeal a denial.
โ Can I appeal a denied claim?
Yes, through ManhattanLife and your state insurance department.
Send a written appeal with new records. In addition, a letter from your doctor can help.
Never accept a questionable denial quietly. Instead, we will help at 888-730-6001.
โ What are the ManhattanLife customer service numbers?
Final expense is 800-327-0695, and Affordable Choice is 800-877-7792.
Dental, vision and hearing members call 800-999-2971. Most other individual policies use 800-879-6542.
Life customer service answers at 800-877-7705. Or call Vivna first, and we will route you.
โ How do I manage my ManhattanLife policy?
Online, by phone, or through your Vivna agent.
Payments, documents and beneficiary changes all live with the carrier. Of course, we handle changes for clients happily.
A yearly review keeps coverage current. Also, see the annual review habit.
โ Who helps me with a claim later?
Vivna. We guide clients and families through every claim.
You call us, and we handle the carrier and forms. After all, that service is why you have an agent.
Save our number with your policy. Then dial 888-730-6001 anytime.
๐ More ManhattanLife and Supplemental Insurance Guides
These ManhattanLife FAQs cover the essentials. So when you want more depth, these guides from our licensed agents explore supplemental coverage, final expense and claims further. Then, if a question remains, call 888-730-6001 anytime.
๐ More ManhattanLife FAQ Guides
- Health Insurance Claims Process: How Claims Get Paid
- Health Insurance Claim Timeline: How Long Claims Take and Why
- Dental Care Coverage: What Dental Plans Pay and When
- Health Insurance for Diabetics: How to Pick the Right Plan
- Health Insurance Life Events: When to Update Coverage
- Benefits of Using an Insurance Broker: Cost, Choice and Help
๐งฉ Related Coverage & FAQs
๐ Questions About ManhattanLife?
These ManhattanLife FAQs answer the questions we hear most, but every situation is different. Therefore, our licensed agents match coverage to your real gaps and compare other carriers side by side, for free.
Best of all, our help costs you nothing. Request your free quote online, or call 888-730-6001 to speak with an agent today. You can also reach us through our contact page.
- ๐ 888-730-6001
- โ๏ธ memberservices@vivna.net
- ๐ Deerfield Beach, Florida
Official resources: the ManhattanLife official website, HealthCare.gov, and the National Association of Insurance Commissioners.
Vivna Insurance is an independent, licensed agency offering ManhattanLife supplemental, life and dental insurance products. Plans, benefits, and availability vary by state.