QUICK START
What to know before you quote
| Carrier / product | Issue ages | Plan levels | Home care benefit | Rx reimbursement |
|---|---|---|---|---|
| Heartland Secure Choice | 40-85 | Basic / Standard / Complete | Up to $600 daily; HHA up to 120 days | $15 / $30; max $360 / $720 / $720 |
| GTL Short-Term HHC | 55-85 | Plan A / B / C | $150 / $300 / $450 daily; TCARE caregiver support | $10 / $25; max $300 / $600 / $900 |
| ManhattanLife HHC Enhanced | 18-89 | Classic / Premier / Deluxe | $150 / $300 / $450 daily; homemaker + HHA | 30-day $10 / $25, 90-day $30 / $75; max $300 / $600 / $900 |
Confirm the issue state
Use the state lookup as a screen, then recheck the carrier's live approval before quoting.
Confirm the product version
GTL and ManhattanLife have state-specific or legacy versions with different schedules.
Confirm Rx details
Check generic vs. brand, annual max, 30/90-day rules and state exceptions.
Use current state forms
Submit only the current state-approved application, outline and claim form.
HEARTLAND NATIONAL
Secure Choice Short-Term Home Health Care
Built around home-based nursing and therapy benefits, with Home Health Aide and Prescription Drug benefits included in the base plans. Three choices: Basic, Standard and Complete.
- ◆Renewable for life per Heartland's public HHC page.
- ◆Core services: skilled/general nursing, physical, speech and occupational therapy, enterostomal and respiratory therapy, chemotherapy, medical social services, Home Health Aide and Rx.
- ◆Optional riders: hospital confinement, ambulance, severe accident / accidental death, and additional Home Health Aide. Availability varies by state.
- ◆A prior hospital stay is not part of Heartland's public positioning for the Rx benefit; use the policy and state outline for eligibility.
- ◆Rx benefits are scheduled per eligible prescription, not a guaranteed annual payment.
- ◆For 2027 business, treat the 06/10/2026 state chart as a starting point and recheck the live Heartland map before applying.
| Plan | Generic Rx | Brand Rx | Annual max |
|---|---|---|---|
| Basic | $15 | $30 | $360 |
| Standard | $15 | $30 | $720 |
| Complete | $15 | $30 | $720 |
Heartland's public page confirms Rx is included but does not publish the dollar schedule. Amounts are cross-checked to Topflight's 09/22/2026 internal Rx summary.
Request Heartland National contract →Sources: Heartland official HHC page; State Availability chart rev. 06/10/2026.
GUARANTEE TRUST LIFE (GTL)
Short-Term Home Health Care Insurance
Pays scheduled cash benefits directly to the insured for covered home health care. The current version combines Rx reimbursement with family caregiver support through TCARE.
- ◆Qualification: practitioner certification of cognitive impairment or inability to perform at least 2 of 6 ADLs.
- ◆Daily maximums: Plan A $150, Plan B $300, Plan C $450.
- ◆TCARE version includes concierge services and a $3,500 caregiver lump sum after an approved HHC claim and caregiver assessment.
- ◆Rx claims: use GTL's Rx-only form with prescription proof, claimant, medication, Rx/NDC number, pharmacy and fill date. File monthly or quarterly, not at year-end.
- ◆CT: HHC + caregiver + Rx sits within a Connecticut-specific Recover Cash base product.
- ◆UT: approval materials are state-specific; verify the live state page and application version.
| Plan | Generic Rx | Brand Rx | Annual max |
|---|---|---|---|
| A | $10 | $25 | $300 |
| B | $10 | $25 | $600 |
| C | $10 | $25 | $900 |
Several states use state-specific or previous versions. Do not apply the TCARE Plan C $900 Rx max or caregiver features to them. Kentucky: Plans B and C only, no Rx benefit.
Request Guarantee Trust Life contract →Sources: GTL STHHC brochure rev. 9/25; GTL State Approval Chart rev. 08/20/2026; GTL Rx-only claim form.
MANHATTANLIFE
Home Health Care Enhanced
ManhattanLife's 2026 refresh of its HHC line, expanding issue ages and adding richer Rx, Home Health Aide and Homemaker benefits while keeping Classic, Premier and Deluxe plan levels.
- ◆Guaranteed renewable. Daily maximums: Classic $150, Premier $300, Deluxe $450.
- ◆Home Health Aide: $50 / $100 / $150 per day.
- ◆Homemaker Services (Enhanced only): $25 / $50 / $75 per day, policy max $4,000 / $5,000 / $6,000.
- ◆Use only current state-approved applications. Check ARC / ManhattanDirect 2.0 for the current state product before submitting.
- ◆UT is a live-check state. Do not quote until ARC confirms the current product.
| Plan | 30-day generic | 30-day brand | 90-day gen / brand | Annual max |
|---|---|---|---|---|
| Classic | $10 | $25 | $30 / $75 | $300 |
| Premier | $10 | $25 | $30 / $75 | $600 |
| Deluxe | $10 | $25 | $30 / $75 | $900 |
Legacy HHC Select is different: $10 generic / $25 brand for 30-day scripts, annual max $300 / $600 / $600, and no 90-day schedule.
Request ManhattanLife contract →Sources: ManhattanLife Agent Guide AGT-HHC 0926; rollout updates through 08/24/2026.
RX DESK REFERENCE
Rx reimbursement at a glance
| Carrier / version | Per Rx benefit | Annual max | Notes | Claim reminder |
|---|---|---|---|---|
| Heartland Secure Choice | $15 generic / $30 brand | $360 / $720 / $720 | Included in base plan; verify state outline | Signed Rx claim form + itemized documentation |
| GTL TCARE | $10 generic / $25 brand | $300 / $600 / $900 | KY: no Rx. Legacy states differ. | Rx-only form; file monthly or quarterly |
| ManhattanLife Enhanced | 30-day $10 / $25; 90-day $30 / $75 | $300 / $600 / $900 | Rollout still expanding | Prescription Drug Claim Form + detailed receipts |
| ManhattanLife Select (legacy) | $10 / $25 (30-day) | $300 / $600 / $600 | No 90-day schedule | Use claim form tied to policy version |
Positioning reminder
The annual maximum is a cap, not a guaranteed payment. Rx benefits can complement a client's existing drug coverage but are not a replacement for Part D or other primary prescription coverage.
- ✓Confirm the policy version before quoting the Rx annual max.
- ✓Check for state Rx exceptions or legacy versions.
- ✓Keep pharmacy receipts and the current carrier claim form.
- ✓Never promise a prescription automatically qualifies.
- ✓For 2027 applications, recheck the live approval map and brochure.
STATE-BY-STATE LOOKUP
Who writes where
A first pass only. For 2027 business, always confirm with the carrier's live product availability before quoting.
| State | Heartland | GTL | ManhattanLife | # |
|---|---|---|---|---|
| Alabama AL | Available | Available | Available | 3 |
| Alaska AK | Not available | Available | Available | 2 |
| Arizona AZ | Available | Available | Available | 3 |
| Arkansas AR | Available | Available | Available | 3 |
| California CA | Not available | Not available | Not available | 0 |
| Colorado CO | Not available | Legacy / special | Available | 2 |
| Connecticut CT GTL: CT-specific Recover Cash product | Not available | Legacy / special | Not available | 1 |
| Delaware DE | Available | Available | Available | 3 |
| District of Columbia DC | Not available | Available | Available | 2 |
| Florida FL | Not available | Not available | Not available | 0 |
| Georgia GA | Available | Available | Available | 3 |
| Hawaii HI | Not available | Available | Available | 2 |
| Idaho ID | Not available | Available | Legacy / special | 2 |
| Illinois IL | Available | Available | Available | 3 |
| Indiana IN | Available | Available | Legacy / special | 3 |
| Iowa IA | Available | Available | Available | 3 |
| Kansas KS | Not available | Legacy / special | Legacy / special | 2 |
| Kentucky KY GTL: Plans B/C only, no Rx | Not available | Legacy / special | Legacy / special | 2 |
| Louisiana LA | Available | Available | Available | 3 |
| Maine ME | Not available | Not available | Available | 1 |
| Maryland MD | Available | Available | Legacy / special | 3 |
| Massachusetts MA | Not available | Not available | Not available | 0 |
| Michigan MI | Not available | Available | Available | 2 |
| Minnesota MN | Not available | Not available | Not available | 0 |
| Mississippi MS | Available | Available | Available | 3 |
| Missouri MO | Available | Available | Available | 3 |
| Montana MT | Available | Legacy / special | Available | 3 |
| Nebraska NE | Available | Available | Available | 3 |
| Nevada NV | Available | Available | Available | 3 |
| New Hampshire NH | Not available | Not available | Available | 1 |
| New Jersey NJ | Not available | Not available | Not available | 0 |
| New Mexico NM | Not available | Not available | Not available | 0 |
| New York NY | Not available | Not available | Not available | 0 |
| North Carolina NC | Available | Available | Available | 3 |
| North Dakota ND | Not available | Not available | Available | 1 |
| Ohio OH | Available | Available | Available | 3 |
| Oklahoma OK | Available | Available | Available | 3 |
| Oregon OR | Available | Available | Available | 3 |
| Pennsylvania PA | Available | Legacy / special | Legacy / special | 3 |
| Rhode Island RI | Not available | Available | Legacy / special | 2 |
| South Carolina SC | Available | Available | Available | 3 |
| South Dakota SD | Available | Available | Available | 3 |
| Tennessee TN | Available | Legacy / special | Available | 3 |
| Texas TX | Available | Available | Available | 3 |
| Utah UT Verify GTL state version and ManhattanLife ARC | Not available | Legacy / special | Live check | 1 |
| Vermont VT | Not available | Not available | Not available | 0 |
| Virginia VA | Available | Not available | Legacy / special | 2 |
| Washington WA | Not available | Not available | Not available | 0 |
| West Virginia WV | Available | Available | Available | 3 |
| Wisconsin WI | Not available | Available | Available | 2 |
| Wyoming WY | Available | Available | Available | 3 |
GET CONTRACTED
Contract with any carrier through Topflight
Secure Choice Short-Term HHC
Request contract →GTLShort-Term Home Health Care
Request contract →MANHATTANLIFEHHC Enhanced / Select
Request contract →Before you submit business: contracting approval, appointment and state licensing must be complete. Watch your inbox for appointment confirmation and carrier portal credentials (ManhattanLife: ARC / ManhattanDirect 2.0). Carrier documents control over this guide.