Manhattan Life Medicare Supplement Plans
Are you a beneficiary of Original Medicare Parts A & B? These policies are great for helping you manage your healthcare expenses during your senior years.
However, they don’t cover all your medical and hospitalization costs, leaving you with out-of-pocket expenses.
Fortunately, you can cover most of these costs with a Medicare supplement plan (Medigap).
These plans come in ten different versions A, B, C, D, F, G, K, L, M & N.
Each plan offers a varying level of coverage, with different price points for your monthly premiums.
A Medigap plan gives you better predictability of your annual healthcare expenses and peace of mind knowing you have full coverage and benefits in the event of a medical emergency.
Medigap plans are available nationwide for many leading healthcare providers, with Manhattan Life being one of the top-rated insurers.
This post investigates Manhattan Life Medicare Supplement Plans.
We’ll discuss the types of Medigap plans they offer, the coverage, and the premiums for all plans.
Get Free Advice and Quotes on Manhattan Life Medicare Supplement Plans
Contact our offices at 1-888-891-0229 for a FREE consultation and quote on any Medigap plan from Manhattan Life.
Our experts will walk you through the benefits and get you the best rate on a policy in your state.
Or you can use the automated tool on our site for a free quote.
If you can’t talk right now, leave us your details on the contact form, and we’ll get back to you.
Manhattan Life Medicare Supplement Plans at a Glance
Manhattan Life offers five different Medigap plans: A, C, F, G, & N.
They only cover some states, and you might not have certain plans available in your area.
The company doesn’t offer the high-deductible versions of Plans F & G, and Plan F is only available for beneficiaries qualifying for Medicare Parts A & B before January 1, 2020.
The company has an intuitive online platform, making it easy for members to upload their claims online and track claims progress through their dashboard.
They also have a desktop and mobile online platform for all plan beneficiaries.
Who Is Manhattan Life?
Manhattan Life Insurance Company has a long history and prestigious legacy as one of America’s top life insurance companies.
They started offering Medigap insurance plans to complement their original life insurance business.
Incorporated on May 29, 1850, as an upcoming life insurance company, Manhattan Life Insurance issued its first group policy in 1854 to a shipping company transporting 700 migrants to the United States.
Its reputation as a credible insurer led the company to earn the moniker “Old Reliable.”
Manhattan Life also provided life insurance to Southern soldiers during the Civil War, paying out policies to the widows of fallen soldiers.
Before moving to Houston, the company originally had headquarters in the tallest building in NYC.
Today, the Manhattan Life Insurance Group includes Western and Central United and Family Life.
All three subsidiaries offer Medigap Plans. Contact us to see if they service your area.
Manhattan Life Medicare Supplement Plans – Benefits & Coverage
The Federal government standardizes the benefits offered in Medigap plans across the industry.
That means you get the same benefits for all plans from all providers, providing consistency in offerings between companies.
Manhattan Life offers five Medigap plans: A, C, F, G, and N. All Medigap plans offer policyholders the following benefits and coverage for their Original Medicare Parts A & B.
- Part A coinsurance and hospital costs up to 365 days after Medicare benefits expire.
- Part A hospice care coinsurance or copayment.
- Part B copayments and coinsurance.
- Blood transfusion (for the first three pints).
Plans F, G, and N offer policyholders the following additional benefits for Medicare Parts A & B.
- Part A deductible.
- Part B excess charges (Plan N doesn’t cover excess charges for doctors’ consultations when practitioners charge above the “Medicare Assignment” rate).
- Coinsurance for skilled nursing care at facilities.
- 80 % of medical costs for medical emergencies incurred during the first 60 days of traveling outside the US (a $250 deductible, $50,000 maximum lifetime limit).
What Manhattan Life Medicare Supplement Don’t Cover
Medigap policies cover you for the shortfalls on inpatient and outpatient expenses not covered by Original Medicare Parts A & B.
Plan A has limited coverage, but Plans F, G, and N offer complete coverage in the event of medical emergencies.
As mentioned, Plan N doesn’t cover excess charges and has copayment responsibilities at the doctor’s office and emergency room.
Plan F is the only policy offering coverage for the Part B deductible of $226 in 20203.
All Medigap plans don’t cover the costs of the following.
- Prescription medications.
- Long-term care at unskilled nursing homes.
- Private nursing care
- Vision, dental, and hearing services.
Manhattan Life Medicare Supplement Plans – Premiums
The premiums for Medigap policies vary, depending on your age, gender, and smoking status.
Men and smokers will pay more in premiums than women and nonsmokers. Your location in the United States also affects your premium costs.
Some states have more expensive premiums for the same policy than others. That’s why you need a licensed agent like us to ensure you get the best deal on your premiums in your state.
We examined the average costs of Plans A, F, G, and N premiums from Manhattan Life for a 65-year-old female nonsmoker in Houston, Texas.
| Plan Name | Nationwide | Average Premium Range |
|---|---|---|
| Plan A | $96.08 | $102-$731 |
| Plan F* | $111.75 | $133-$573 |
| Plan G** | $90.75 | $103-$544 |
| Plan N | $70.85 | $80-$519 |
*As mentioned, Plan F is only available for seniors eligible for Medicare Parts A & B before the cutoff date of January 1, 2020.
If you are eligible for Medicare after this date, go with Plan G for the most comprehensive coverage in the Medigap range.
**Manhattan Life doesn’t offer the high-deductible version of Plan G.
Manhattan Life Medicare Supplement Plans – Third-Party Ratings & Reviews
Manhattan Life has a good reputation for excellent customer service.
The company receives a financial stability rating of “A” from Demotech. It also has an “A+” rating from the Better Business Bureau and a “B+” rating from AM Best.
Frequently Asked Questions
What is Manhattan Life Medicare Supplement Insurance?
Manhattan Life Medicare Supplement Insurance is a private insurance policy that helps cover the gaps in Original Medicare.
How do Manhattan Life Medicare Supplement Plans work?
Manhattan Life Medicare Supplement Plans work alongside Original Medicare. When you have a Medicare-covered expense, Original Medicare pays its share, and then the Manhattan Life Medicare Supplement Plan pays its portion, depending on the plan you choose.
What are the benefits of choosing Manhattan Life Medicare Supplement Plans?
The benefits of choosing Manhattan Life Medicare Supplement Plans include comprehensive coverage, freedom to choose any doctor or hospital that accepts Medicare, guaranteed renewable policies, and coverage that travels with you across the United States.
How do I qualify for Manhattan Life Medicare Supplement Plans?
To qualify for Manhattan Life Medicare Supplement Plans, you must be enrolled in Medicare Part A and Part B.
What types of Manhattan Life Medicare Supplement Plans are available?
Manhattan Life offers a range of Medicare Supplement Plans, including Plan A, Plan B, Plan C, Plan F, Plan G, and Plan N.
Can I switch from my current Medicare Supplement Plan to a Manhattan Life plan?
Yes, you can switch from your current Medicare Supplement Plan to a Manhattan Life plan.
How much do Manhattan Life Medicare Supplement Plans cost?
The cost of Manhattan Life Medicare Supplement Plans varies depending on factors such as your age, location, and the plan you choose.
Are prescription drugs covered by Manhattan Life Medicare Supplement Plans?
No, prescription drugs are not covered by Manhattan Life Medicare Supplement Plans.
Can I use my Manhattan Life Medicare Supplement Plan outside of the United States?
Yes, some Manhattan Life Medicare Supplement Plans provide limited coverage for emergency medical expenses when traveling outside of the United States.
How can I enroll in a Manhattan Life Medicare Supplement Plan?
To enroll in a Manhattan Life Medicare Supplement Plan, you can contact us.
Manhattan Life Medicare Supplement Plans - How to Apply
The easiest way to get started is to call us today at 1-888-891-0229.
We’ll answer all of your questions and help you find the right Medicare plan. Or you can use our FREE quote engine to begin shopping today!
Updated December 4th, 2022