Manhattan Life's Affordable Choice  - Best Permanent Alternative to High Cost ACA plans:

  • High 1st Dollar Indemnity benefits for all Outpatient & Inpatient expenses

  • Choice of Elite $3,000 or Elite Plus $5,000 plans; optional Dental & Accident

  • No Deductibles, No Co-Insurance;  Guaranteed Renewable to Age 65

  • Half the cost of Short Term Medical plans; Less than half the cost of ACA (ObamaCare) plans

  • Includes PHCS Nat'l PPO Network, KARIS 360 Patient Advocacy and TELADOC

  • Click HERE for rates and complete coverage information

  • Coverage can start as soon as 48 hours after application

  • Sample Metro Atlanta Elite rate: Male 48 + Female 47 + 3 children = $491

  • Click AffordableChoice to enroll online


National General  Short Term Major Medical, choice of deductibles:

  • Up to 3 Years of Major Medical protection

  • Deductibles range from $2,500 to $10,000;  co-insurance or 100% after deductible

  • Doctor & Urgent Care reimbursement, Rx

  • Significantly Lower Cost than ACA plans; Longest term major medical ACA alterntive

  • Click HERE to view policy information

**these plans include a 12 month pre-existing condition clause      

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