Out-of-Pocket Protection Plan
A high-deductible health plan keeps premiums lower, but a hospital stay or outpatient surgery can still leave thousands in deductibles and coinsurance. A thoughtful solution plans for that gap.
Out-of-Pocket Protection Plan should fit the bigger picture
The Out-of-Pocket Protection Plan is a hospital indemnity plan offered through ManhattanLife and built to work alongside major medical coverage. It pays fixed cash benefits for covered hospital admissions, inpatient days, outpatient surgery, doctor visits and emergency accident care, paid directly to you unless you assign them to a provider.
What we help you evaluate
Choosing benefit levels
You choose benefit levels for hospital admission, daily inpatient stays and outpatient surgery. We match them to your health plan’s deductible and out-of-pocket maximum.
Paid on top of other coverage
Benefits pay in addition to your other insurance, with no network restrictions, so you can use them for deductibles, coinsurance or household bills.
Eligibility and renewal
This plan is meant for people who are not yet on Medicare. Renewal limits and some benefits vary by state, and we walk through them before you apply.
How the process works
1. Start with a conversation
Tell us what you are protecting, what changed and what concern brought you here.
2. Complete the assessment
We gather the details needed to identify exposures, priorities and realistic options.
3. Review the solution
We explain the recommendation, important limitations and the next step in plain language.
Protect what matters with a clearer plan
Start the conversation with All Assured Solutions, or begin your Out-of-Pocket Protection Plan quote online when you are ready.
THIS POLICY PROVIDES LIMITED BENEFITS. The Out-of-Pocket Protection Plan is a hospital confinement indemnity policy offered through ManhattanLife. It is not a substitute for major medical coverage and is not minimum essential coverage under the Affordable Care Act. Coverage, eligibility, availability and terms vary by carrier, product, state and individual circumstances. This page is for general educational purposes and is not a binder, policy or guarantee of coverage.