How to use your new health plan.

Your coverage is a package of fixed-benefit policies. Each one pays a set dollar amount when a covered event happens — a doctor visit, a prescription, an ER trip, a night in the hospital — and pays it to you, from the first dollar. Your policy schedule (in the portal) lists the exact amounts and how many visits per year your plan includes.

Because each policy pays on its own, one event can trigger several at once. A hospital stay pays the admission benefit, the daily benefit, your hospital indemnity lump sum, and your gap benefit, all separately.

In network, it works like regular insurance. Hand over your ID card, the provider bills ManhattanLife, and if the benefit is more than the bill, the difference comes to you.

Out of network, it pays exactly the same. You'll schedule as a self-pay patient (ask for the self-pay discount), pay, and upload the receipt for reimbursement. In-network is easier and cheaper, but you're never stuck.

Look them up

Search the provider locator by zip code, or call First Health and they'll confirm a specific office or send you a directory. Interview two or three — everyone in the network has already agreed to accept this plan.

Client code: FHIND

Say this at the front desk

Find an in-network doctor, urgent care, ER, and hospital before you need them, and you'll never think about the network again.

Your plan reimburses $50 per person per day you fill a prescription, up to the annual maximum on your schedule. Use any discount card you like, pay the discounted price at the counter, then photograph the receipt and upload it in the Easy Upload app. If your prescriptions cost less than $50 that day, you keep the difference.

Prices for the same drug vary wildly between pharmacies. Check before you fill — the cheapest pharmacy means the biggest reimbursement in your pocket.

Your plan gives you member pricing on GLP-1 weight-management medications, peptides, and hormone therapy through DirectionRx — licensed providers, a guided online process, and medications shipped cold-packed to your door in 3–5 days, free shipping.

Two things to know before you start. Use member code 4-MEM-26-6 — that's what unlocks the member price. And if you're already taking a GLP-1, choose the option for existing patients at your current dose; "new patient" is only for people who haven't taken one in the last couple of months and must start from the lowest dose. The 3-month supply is meaningfully cheaper per month than monthly.

Your itemized receipt is pre-formatted for the Easy Upload app, so your prescription benefit applies the same way it does at a pharmacy.