Home Care Planning

Home Care & Hospital Indemnity Coverage

Supplemental plans from ManhattanLife designed to help cover the costs that traditional health insurance and Medicare may not fully address — whether recovering at home or managing a hospital stay.

Cash benefits paid directly to you. Use them however you need.

Two Plans to Help Protect What Matters

ManhattanLife offers supplemental products that work alongside your existing coverage to help manage out-of-pocket costs.

ManhattanLife

Home Health Care Insurance

Recover at home with dignity and support

Covers skilled and non-skilled home care services
Daily benefit options: $150, $300, or $450
Ages 18–89 eligible
Guaranteed renewable
Homemaker benefit — care from family or friends
Prescription drug and medical equipment coverage
Restoration of benefits provision
Ancillary services: telemedicine, bill negotiation, and discount labs

ManhattanLife

Hospital Indemnity Insurance

Cash benefits when hospitalization happens

Fixed cash benefits paid directly to you
First-day hospital admission benefit
Covers deductibles and out-of-pocket costs
Inpatient and outpatient surgery benefits
Doctor office visit benefits with rollover
Optional skilled nursing facility coverage
No coordination of benefits — pays on top of other insurance
Claims typically processed within 7–10 business days

Home Health Care Coverage

Designed to help individuals recover and maintain independence at home. Covers skilled care, personal assistance, and more.

Skilled Nursing Care

Coverage for registered nurses providing medical care in your home — wound care, medication management, and health monitoring.

Physical & Occupational Therapy

In-home therapy services to help with recovery, mobility, and regaining independence after illness or injury.

Home Health Aide

Assistance with daily living activities — bathing, dressing, meal preparation, and personal care — up to 365 days of benefits.

Homemaker Benefit

Benefits for care provided by trusted individuals such as family members, friends, or neighbors — without requiring professional licensing.

Prescription Drug Benefits

Coverage for medications including 90-day supply options to help manage ongoing treatment costs.

Medical Equipment

Coverage for durable medical equipment needed for home-based care and recovery.

Hospital Indemnity Coverage

Fixed cash benefits to help manage the costs of hospitalization — deductibles, coinsurance, lost wages, and everyday expenses.

Hospital Admission Benefit

Fixed cash benefit paid upon hospital admission — use it for any purpose including bills, lost wages, or everyday expenses.

Hospital Confinement

Daily cash benefit for each day of hospital confinement, helping offset deductibles and coinsurance costs.

Outpatient Surgery

Benefits for inpatient and outpatient surgical procedures to help cover associated costs.

Doctor Office Visits

Benefits for doctor visits with potential rollover features for unused visits.

Wellness Benefit

Preventive care benefit that encourages regular health screenings and check-ups.

No Coordination of Benefits

Pays in addition to any other existing coverage — benefits are paid directly to you regardless of other insurance.

Why Consider These Plans?

For Individuals & Seniors

Medicare has limited home health care coverage
Rising deductibles create unexpected financial pressure
Home recovery may reduce the need for expensive facility care
Cash benefits provide flexibility for any expense
Coverage can help protect retirement savings

For Employers

Supplement employee benefits without major cost increases
Hospital indemnity helps employees manage high-deductible plans
Voluntary options — can be employee-paid through payroll deduction
Demonstrates investment in employee well-being
Simple administration with minimal employer effort

Frequently Asked Questions

Home health care insurance is a supplemental policy designed to help cover the cost of medical and supportive services received in your home. It may help bridge gaps left by traditional health insurance and Medicare, which often limit home care to short-term or intermittent skilled care.

ManhattanLife is an insurance company offering supplemental health products including home health care insurance and hospital indemnity plans. They specialize in products for individuals, seniors, and families.

Hospital indemnity insurance pays a fixed cash benefit when you are admitted to the hospital. The money is paid directly to you and can be used for any purpose — medical bills, lost wages, rent, groceries, childcare, or other expenses. It works alongside your existing health insurance.

No. Both home health care and hospital indemnity are supplemental products designed to work alongside major medical insurance. They are not comprehensive health plans and do not replace primary medical coverage.

Yes. The ManhattanLife Home Health Care Enhanced plan includes a "Homemaker Benefit" that allows policyholders to receive benefits for care provided by trusted individuals such as family members, friends, or neighbors — without requiring professional licensing.

Home Health Care plans cover individuals aged 18 to 89. Hospital Indemnity plans are generally available for ages 18 to 64 (Affordable Choice) or 18 to 89 (Hospital Indemnity Select), depending on the plan.

Some plans may have a 12-month waiting period for pre-existing conditions. The specific terms depend on the plan selected. We can help you review the details during a consultation.

ManhattanLife aims to process eligible claims within 7 to 10 business days of receiving the necessary documentation. Claims can typically be filed by mail or fax with the required forms and supporting documents.