Fillin in the GAPS
This policy's standard hospital benefit pays in full for the first five days of a hospital stay, before cutting in half for the next 25 days.
What is an ACS or "Affordable Cost Solution"?
This accident policy covers hospitalization, day of surgery, and ER visits ONLY
What is the SA1?
These two policies when combined provide an accidental death of $60,000
What is the SA1 and AP79?
This policy covers Cancer, Coronary Artery/Cardiovascular Disease, Diabetes, Stroke, Organ Transplant, and Major Organ Transplant among other diseases for a total of 21 diseases.
What is an SD-2 (Specified Disease Policy)
This is referred to as the new "Minor Accident" policy around the office
What is the Manhattan Life Accident Policy?
This policy's standard surgeon benefits include both a $3000 and $6000 schedule.
What is an ACS or "Affordable Cost Solution"?
This accident policy does not pay for physical therapy.
What is an SA1?
These policies can be combined together to reach an initial daily hospital indemnity benefit of $6000/day.
What is an ACS and an HDI?
This Accident-only policy covers $2000 for Air Ambulance
What is the Manhattan Life Accident Policy?
Personal Accident Indemnity Delivery (PAID)
You will hear my benefits referred to as $2000/$7500, $2000/$15000, $4000/$7500, $4000,$15000
What is the ACS?
This policy has a hospitalization benefit is 31 days per policy year.
What is an HDI or "Supplemental Hospital Confinement Indemnity Policy"
This accident policy has a $10,000 Accidental Death Benefit
What is an AP79?
This is the highest benefit that can be paid when combining the surgeon/anesthesia/day-of-surgery benefits for the ACS and HDI
What is $25,000?
This policy covers "Catastrophic Diseases"
What is the SD2?
I am often referred to in the office as a "Major Accident" policy.
What is an SA1?
This policy pays $1000 per outpatient cancer treatment up to 20 per year.
What is the ACS
This accident policy pays for outpatient tests, up to $450 per accident.
What is the AP79?
What is the SD2 and ACS?
The maximum daily room and board benefit on the SD2.
What is $500/day?
(365 days for adults, 60 days for children under age 18, per disease)
This insurance word means it "Pays on top of" and "In addition to" any other insurance
What is "Indemnity"?
This is how much the HDI pays for Air Ambulance, limited to 2 trips each year.
What is $5000?
This is the maximum benefit for Hospital Miscellaneous Charges on the SA1
What is $100,000?
DAILY DOUBLE
This is how much a policy holder would expect to receive for a 3 day hospital stay that cost $50,500 after falling down his stairs if he had an SA1 and an ACS with a $2000 Hospital Benefit.
This is the total number of Dr visits that are covered by 2 units of coverage on the Manhattan Life Accident Policy.
What is 9?
(First visit pays $150, follow up visit pays $50 up to 8 within 30 days of first visit)
This policy's benefits could be seen as $100/$5000 + ABR
What is an HDI?