Stacking Health Insurance policies from Manhattan Life

 

Levinson Life and Health Insurance:

https:insuremenowdirect.com/agent/charlesstarr/

 

Copy the link and paste it in your browser.  After putting in your information, choose Instant Decision to see the Health policies.  Most of the Manhattan plans are in the Illness section, and the others are in the Accident section.

 

There are three ways to select which health insurance policies you want to have.

1. For a history of cancer in your family, you should select a Cancer Care Plus policy.

2. For income in the event of other significant medical problems, you should select a Critical Protection and Recovery policy.

3. If you have no health insurance now, I strongly recommend that you set up a “portfolio” of policies (referred to as “stacking”). The “Cadillac” stack of policies would be: Affordable Choice Enhance—Elite Plus version, also the Cancer Care Plus—Plan D version, also the PAID Enhanced accident plan, and finally the Critical Protection and Recovery plan. There are different levels for the first two plans, and I will be presenting the benefits of having the best. But you may decide to choose other plans that cost a little less. At the end, I will add up the total monthly premium for both a 20 you non-smoking male and a 60 yo non-smoking male for the premium stack of 4 plans.

 

Affordable Choice Enhanced—Elite Plus:

First Health Network--800,000 medical professionals & almost 6,000 hospitals;

so there will be significant discounts before the insurance pays out

NO deductions and NO co-insurance requirements!!!

If you work at least 30 hours per week, you will probably have significantly fewer medical questions to answer.

$3,000 for admission to a hospital, then $6.000 per day

3 times what Medicare allows for payment to physicians—up to $50,000 per year

$3,000 for any outpatient surgery

Lifetime Maximum--$5,000,000

 

Cancer Care Plus—Plan D:

Includes many “dread diseases” along with cancer

$5,000 actual charges per month; $4,000 per surgery

 

PAID Enhanced accident plan:

Available for ages 18-84; covers round-the-clock

$50,000 for accidental death

 

Critical Protection & Recovery:

For different medical problems than are covered by the Cancer Care Plus plan

First Diagnosis--$200,000

 

Costs: 20 yo male--$174.43+$46.82+$22.00+$21.70=$264.95

Costs: 60 yo male--$369.21+$81.38+$22.00+$116.00=$588.59

 

Other Health Insurance Products

 

Breeze link (for Short-Term Disability and Long-Term Disability policies):

https://www.meetbreeze.com/agent/fred-starr

 

Ameritas link (for Dental and Vision policies):

https://myplan.ameritas.com/I'd/010L3069