Manhattan Life Medicare Supplement Plans
We are proud to offer Manhattan Life to our clients. If you are interested in a free quote contact us at (800) 208-4974.
Manhattan Life is part of the Manhattan Life Group, which is a group of companies offering life and health insurance. The companies are:
- Manhattan Life
- Central United Life
- Family Life
- Western United Life
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Manhattan Life began in 1850 when the company was founded as a life insurance company. They issued the first group life contract as well as the first life insurance policy to a woman. Manhattan Life became known as “Old Reliable” after the civil war because they continued to pay death benefits to widows of fallen soldiers.
Over the years Manhattan has grown from solely offering life insurance to being a leader in the reinsurance market, Medicare supplement market, and employer/worksite offerings.
Currently, Manhattan Life has over 700,000 policyholders.
Manhattan Life Medicare Supplement Plans
Manhattan Life offers Medicare Supplement plans in many states across the country. The most popular Medigap plans offered by Manhattan Life are; plans F, G and N.
Medicare Supplement plans are standardized, the benefits are the same between the carriers. For example; the difference between a Plan F with UHC and Plan F with Manhattan Life is the price.
Manhattan Life Medicare Supplement Plans come standard with the following:
- 30-day free look period
- 12-month rate lock-in
- Portable Coverage
- Household discount when applicable
Manhattan Life Medicare Supplement Plan F
Plan F is simple. it covers 100% of everything that Medicare does not cover in full. See the chart above.
Besides the monthly premium, you generally won’t pay anything else in the form of a medical bill (as long as the service is Medicare-approved).
Plan F is increasingly becoming less popular as folks learn the benefits of Plan G.
Manhattan Life Medicare Supplement Plan G
Plan G is the plan we recommend the most. The only difference between Plan F and G is an annual deductible of $198 in 2020.
This deductible is associated with outpatient services and doctor visits. Once this met you pay nothing for the remainder of the year. Essentially, Plan G becomes a Plan F after this deductible is met.
Often, the premium difference between G and F covers the deductible, plus some. Call us at (800) 208-4974 for free quote assistance!
Manhattan Life Plan N
Plan N is the third most popular Medicare Supplement plan. This plan is often overlooked as an option for coverage.
We generally recommend Plan N to folks who are looking for a cost-effective solution and don’t mind having the following out-of-pocket costs:
- $0-$20 co-pay for an office visit (doctor or specialist)
- $50 copay at the Emergency Room (waived if admitted)
- Part B deductible of $198 for the year (same as Plan G)
- Part B Excess charges not covered
Many people ask us about Part B excess charges. These charges occur when a provider who does not accept “Medicare Assignment” overcharges the Medicare-approved amount.
The easiest way to avoid this is to simply make sure your provider accepts “Medicare Assignment.” If you live in Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island, and Vermont, you don’t have to worry about Part B excess charges.
Overall we recommend Manhattan Life to our clients for their Medicare Supplement insurance company.
They are a solid carrier and are competitive in many areas across the country. They have a very easy to use, electronic application, which can be completed in just a few minutes.
Their rate increase-history has been stable and conservative.
If you are interested in a free quote comparison or applying for coverage, call us at (800) 208-4974 today!
Manhattan Life Review
- Competitive Rates
- Rate Stability
- Market Experience
- Electronic Application
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Call us at (800) 208-4974 for a free quote today!
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.