- 337
I'm specifically trying decide which one is the better all-around between gtl, heartland and aetna. Thanks y'all!!
If you could only have one hospital indemnity product which wou it be?
- Thread starter OttoGraf
- Start date
Have you looked at Manhattan life?
https://insurance-forums.com/community/threads/hospital-indemnity-plans.95359/
- 591
The new Heartland product looks great Brandon. I'm bringing it on but I'll hold my opinion until we have some more experience. I love the online application and it could very well be the winner here.
As you know, I'm still a big fan of the Aetna product but the HIP Flex isn't available everywhere. Great name recognition and great online app.
As you know, I'm still a big fan of the Aetna product but the HIP Flex isn't available everywhere. Great name recognition and great online app.
- 29,496
I was never impressed with Heartland's or Aetna's. GTL's is good and is GI age 64 1/2 -65 1/2. There sister company UNL also has a good one. Manhattan 's is a good one too.
- 591
The New Heartland one is GI for the T65 period too Tom, 6mos either way. Also has lump sum cancer and DVH riders. Again, it's brand new so I'll hold judgement until i have some more experience.
- 29,496
Hey Peter, I didn't know Heartland had a new HIP product. It was identical to Equitable's.
- 29,496
Thanks Peter. I may have to take a look at it it. GTL and UNL have the Dental/ Vision riders too.
- 29,496
The Dental for GTL and UNL is on actual charges. I don't know of another one that uses actual charges now that Manhattan went to Usual and Customary charges.
- 591
No worries. GTL is great too. I'm certainly not looking to advise more than one or two HIP carriers to our agents, as it's just an add on product to cover gaps for MAPD beneficiaries in most cases. Heartland has a great footprint it out of the gate, whereas Aetna is still limited with their great HIPflex product.
- 591
I believe the Heartland one is too, I'm meeting again with them soon and update.
