Out-of-Pocket (Gap) Insurance
Bridging the gap.
With today’s rising cost of medical care and health insurance premiums, many individuals and groups have selected higher deductibles, fewer co-pays, and more out-of-pocket costs.
This has been done to make health insurance premiums more affordable.* An Out-of-Pocket policy can help the costs associated with a hospital stay from becoming an unnecessary burden.
Keep out-of-pocket hospital expenses in check.

Premium Out-of-Pocket Health Expenses Coverage in Mebane, Graham, Burlington, Durham, Raleigh, Greensboro, and Charlotte NC
With today’s rising cost of medical care and health insurance premiums,
many individuals and groups have selected higher deductibles, fewer co-pays, and more out-of-pocket costs. We at JR Financial LLC are offering high-quality. Out-of-Pocket Health Expense Coverage In Charlotte NC.
This has been done to make health insurance premiums more affordable.
An Out-of-Pocket policy from Manhattan Life can help the costs associated with a hospital stay from becoming an unnecessary burden.
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PRODUCT BROCHURE
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Features
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Your choice of benefits and premiums.
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Pays in addition to all other insurance and workers’ compensation.
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Daily inpatient hospital confinement benefit.
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Hospital admission benefit.
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Doctor office visits.
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No deductibles.
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No networks.
$5,641
Annual spending for medical and pharmacy claims in the U.S. reached $5,641 per person in 2017.
Accident Statistics
$375.6B
Out-of-pocket healthcare spending in the U.S. grew by 2.8% in 2018 to $375.6 billion.
$1,655
The average deductible for workers in the U.S. covered by a major medical plan with a general annual deductible in 2019 was $1,655.
Out-of-Pocket (Gap) Insurance
This has been done to make health insurance premiums more affordable. An Out-of-Pocket policy can help the costs associated with a hospital stay from becoming an unnecessary burden.

Additional Information
Benefit exclusions and limitations may apply to the policy. For additional information about out-of-pocket insurance for hospital confinement or any of our other quality products, please contact us or your ManhattanLife Agent or Broker.