Affordable Choice by Manhattan Life 

  • Guaranteed Renewable to Age 65

  • Continuous coverage with stable rates from one year to the next

  • No Deductibles, No Co-Insurance, No waiting periods for coverage

  • Coverage  can begin effective next day, 1st to 28th of month

  • Pre-existing conditions covered after one year

  • $5 Million lifetime max per insured, $1 Million max per year

  • Doc visits, Rx & Preventative coverage, Lab, Therapy, Radiology benefits

  • 1st Dollar coverage that can pay in excess of actual medical bills

  • $8,000 hospital room & board 1st day, $5.000 each additional day

  • Inpatient & Outpatient Surgery @ 3X Medicare Physician Fee Schedule

  • TELADOC unlimited; PHCS PPO network for additional savings,

  • Karis 360 (#1 bill negotiator & patient advocacy) included 

  • Click HERE for rates and complete coverage information

  • Lowest premium in Georgia: Sample Metro rate: Age 60 = $367, Age 45 = $260

  • Call Bud Otto (404) 274-2860; To enroll online click HERE


  • Under Individual Coverage HRA, Affordable Choice can be written on Groups of 2 or more employees, Group Tax Advantages, at 1/3 cost of traditional Group Health Insurance



Small Group Health Insurance

76% of groups under 25 employees do not have group insurance. Why? It's not always feasible for many small employers to provide a comprehensive health benefit package. Cost is the major factor, for employer and employee. Here are two alternatives to high cost, fully insured group plans:

  • with Nat'l General Self Funded plans, small businesses can experience lower costs without taking on added risk.   INFO

  • ExpectedGI (guarantee issue), minimum 10 employees/participants, average employee cost $185. No deductibles or co-insurance. No ACA rules.  Click HERE for info.

We'll work with you and make Group Health coverage affordable.  Step 1, provide your CENSUS


Copyright Bud Otto, Life & Health Brokers at (404) 855-2804, for your Life & Health Insurance Solutions