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Manhattan Life • First Health

Check your initial fit.

Answer a few private questions to see whether an Affordable Choice fixed-benefit plan may be worth reviewing and compare published brochure estimates.

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Step 1 of 5About 3 minutes

Please complete each item before continuing.

Who needs coverage?

For couples and families, use the age of the older spouse or partner.

Basic application history

Answer for everyone who would be covered.

Has anyone been declined for insurance because of health reasons?

Has anyone collected disability income within the past 12 months?

Is anyone pregnant, expecting, or currently adopting a child?

Does anyone have similar coverage now or pending?

This does not automatically prevent coverage, but replacement rules may apply.

Recent care and testing

A yes answer usually means Desmond should review the details before showing a likely fit.

Within the past five years, has anyone had surgery or been advised to have a surgery that has not been completed?

Within the past 12 months, has anyone seen a licensed medical professional or been prescribed medication?

Are any test results abnormal or pending, or has more testing been recommended?

This includes abnormal mammograms, Pap smears, biopsies, unexplained weight loss, or elevated PSA or CEA results.

Serious health history

Has anyone applying been diagnosed with or treated for any item below within the time shown?

HIV/AIDS, alcohol dependency or illegal/controlled drug use?

Cancer treatment within the past five years or more than one occurrence?

Basal or squamous cell skin cancer may be reviewed differently.

Any serious condition listed in the carrier's health screening?

View examples from the carrier guide
  • Heart attack, heart disease, bypass or congestive heart failure
  • Stroke, TIA, aneurysm or peripheral vascular disease
  • Kidney disease, kidney failure or dialysis
  • COPD, emphysema, cystic fibrosis or pulmonary fibrosis
  • Crohn's disease, colitis, pancreatitis or serious liver disease
  • Lupus, multiple sclerosis, Parkinson's or ALS
  • Organ transplant, paralysis or disease-related amputation
  • Uncontrolled diabetes or diabetes complications
  • Severe arthritis or debilitating musculoskeletal disease
  • Sleep apnea, sarcoidosis or sickle cell anemia

What matters most?

This only changes the order of the plan estimates.

This is an initial educational screen, not an application or approval. The carrier makes all final eligibility decisions.

Affordable Choice provides fixed benefits toward covered services. Benefits, rates and availability vary by state. Eligibility and approval are determined through ManhattanLife's official application, and the policy provides complete details.

Explore ManhattanLife coverage

Start with Affordable Choice when you are looking for fixed benefit health coverage. The other options provide additional protection for specific needs.

Looking for health coverage?

Affordable Choice

A fixed benefit health plan that provides set benefits toward covered doctor visits, hospital care and other eligible medical needs. Participating First Health providers may also offer negotiated network savings.

Explore Affordable Choice

Add extra protection

24 Hour Accident

Benefits for covered accidental injuries.

View Coverage

Accident Insurance

Additional protection following a covered accident.

View Coverage

Cancer Care Plus

Supplemental benefits following a covered cancer diagnosis.

View Coverage

Cancer, Heart Attack and Stroke

Benefits for covered specified critical illnesses.

View Coverage

Critical Protection and Recovery

Additional support during a covered critical illness and recovery.

View Coverage

Dental, Vision and Hearing Select

Coverage for eligible dental, vision and hearing services.

View Select

Dental, Vision and Hearing

Benefits for eligible dental, vision and hearing needs.

View Coverage

Home Health Care

Benefits for eligible care received at home.

View Coverage

Home Health Care Enhanced

An enhanced home care option where available.

View Enhanced

Hospital Indemnity Select

Additional financial support for covered hospital care.

View Coverage

OmniFlex Short Term Care

Benefits for eligible short term care needs.

View Coverage

Out of Pocket Protection

Additional support for certain eligible expenses following a covered event.

View Coverage

Viewing a product does not guarantee eligibility or approval. Product availability, benefits and rates vary by state. The official ManhattanLife application and policy provide complete details.