Supplemental coverage designed for care at home—and the costs around it.
Start with Home Health Care Select, then add short-term care or hospital protection based on the financial gaps you want to cover.
Recover at home
Start with Home Health Care Select.
Plan for short-term care
Consider OmniFlex facility and optional home care benefits.
Add broader fixed benefits
Review Affordable Choice Enhanced.
Protect against hospital gaps
Customize Hospital Indemnity Select.
Medicare covers qualifying skilled care. It does not cover every kind of help at home.
Coverage depends on medical necessity, homebound status, a provider-directed care plan, and a Medicare-certified agency. Long-term custodial care, 24-hour care, meals, and homemaker services unrelated to a care plan are generally not covered.
That distinction matters because many families need practical, ongoing support—not only intermittent skilled services.
Non-medical caregiver services based on 44 hours of care per week, according to CareScout’s 2025 Cost of Care Survey.
In most qualifying cases, Medicare describes skilled nursing and home-health-aide services as part-time or intermittent, generally up to 28 combined hours weekly.
The 2026 Original Medicare Part A inpatient deductible applies to each hospital benefit period; it can be owed more than once in a year.
Regular prescriptions can return a substantial share of the annual premium.
Home Health Care Select pays $25 toward each eligible brand-name fill and $10 toward each eligible generic, up to $600 per policy year on Premier or Deluxe.
The example shown uses an estimated $53 monthly premium from the supplied illustration. It is not a quote or guaranteed result.
Estimated annual premium
$53 per month × 12 months
Potential prescription reimbursement
Two eligible brand-name fills monthly, subject to the policy-year maximum
After eligible reimbursements in this example—not a guaranteed outcome.
Home Health Care Select
Designed for adults ages 45–89 who want financial support for eligible services delivered at home, with three benefit levels and guaranteed renewability for life.
Classic
Published Select rate examples for ages 65–74. State, exact age, riders, and fees affect the final premium.
Premier
Published Select rate examples for ages 65–74. State, exact age, riders, and fees affect the final premium.
Deluxe
Published Select rate examples for ages 65–74. State, exact age, riders, and fees affect the final premium.
Premium ranges are rounded examples from ManhattanLife’s Home Health Care Select rate guide for ages 65–74 across listed states. They are not quotes and exclude optional riders and applicable policy fees.
Estimated add-on costs
All figures are illustrative planning information, not a quote, offer, or guarantee of eligibility. Final premiums and benefits vary by state, age, underwriting, coverage, and riders.
See how Home Health Care Enhanced works.
This short ManhattanLife explainer walks through the role home health coverage can play when recovery and support happen at home. Press play to watch without leaving this page.
Build around the risks you want to cover.
These products can complement home-focused protection with facility care, fixed medical benefits, or hospital cash coverage.
OmniFlex Short-Term Care
Best for: Broader short-term care protection beyond the home
Flexible facility coverage with optional home health care, hospital benefits, and inflation protection. Built-in features include prescription reimbursement, restoration of benefits, and Fast-50 for qualifying care.
BrochureAffordable Choice Enhanced
Best for: An extra layer of fixed benefits for medical and hospital events
A limited-benefit fixed-indemnity plan for ages 18–64 that pays set benefits for covered hospital, surgical, doctor-visit, prescription, and outpatient events. It is not comprehensive major medical coverage.
BrochureHospital Indemnity Select
Best for: Help with hospital-related out-of-pocket exposure
Supplemental hospital coverage for ages 18–89, with configurable confinement benefits and optional riders. Approved claim benefits are paid to the policyholder and may be used as needed.
BrochureCompare the role each product plays.
| Product | Primary purpose | Issue ages | Prescription benefit | Pricing guidance |
|---|---|---|---|---|
| Home Health Care Select | Eligible care delivered at home | 45–89 | $10 generic / $25 brand; $300–$600 annual max | Personalized by age, state, plan, riders |
| OmniFlex Short-Term Care | Facility care with optional home and hospital protection | 45–89 | $10 generic / $25 brand; $300 annual max | Example range for a TX male age 50 |
| Affordable Choice Enhanced | Fixed benefits for hospital and specified medical events | 18–64 | Plan-level daily prescription benefit | Carrier says premiums start under $80 |
| Hospital Indemnity Select | Customizable hospital cash benefits | 18–89 | Not a core listed benefit | Personalized quote required |
Ready to review the application?
Once the online application link is active, you can review the carrier materials and complete the application at your own pace.
Clear answers before you apply.
Use these answers as a starting point, then review the carrier brochure, disclosures, and policy details for your state.
Is Home Health Care Select long-term care insurance?
No. It is a home health care insurance policy with defined benefits for eligible in-home services. Review the policy and outline of coverage for exact definitions, eligibility conditions, limits, and state variations.
How does the prescription reimbursement work?
The current Home Health Care Select brochure lists $10 per eligible generic prescription and $25 per eligible brand-name prescription, with annual maximums of $300 on Classic and $600 on Premier or Deluxe. Availability and claim requirements vary by state and policy.
Can prescription benefits offset the premium?
They may reduce your effective annual out-of-pocket cost if you have multiple eligible prescriptions, but the result depends on your premium, prescriptions, claim eligibility, annual maximum, and state-specific policy terms.
What is the difference between Home Health Care Select and OmniFlex?
Home Health Care Select focuses on eligible care delivered at home. OmniFlex begins with short-term facility care and can add a Home Health Care Rider, hospital benefit, and inflation option.
Are these products major medical insurance?
No. Affordable Choice Enhanced and Hospital Indemnity Select are supplemental fixed-benefit products, and the care products are not replacements for comprehensive major medical coverage.
Can I use hospital indemnity cash for non-medical bills?
Hospital Indemnity Select states that approved benefits are paid to the policyholder and may be used as the policyholder chooses, including toward deductibles, copays, or everyday expenses.
Will the estimator show my final premium?
No. It provides only verified examples and benefit-level guidance. Final premiums depend on state, age, coverage, riders, underwriting, and carrier rules.
Where can I review limitations before applying?
Review ManhattanLife’s pre-enrollment disclosures before applying. The policy and rider provisions control if any summary differs.
Review ManhattanLife disclosures