We are proud to offer Manhattan Life to our clients. If you are interested in a free quote contact us at (800) 208-4974 or you can view rates online here.
- Company Background and History
- Manhattan Life Medicare Supplement Insurance
- Manhattan Life Medicare Supplement Plan F
- Manhattan Life Plan G
- Manhattan Life Medigap Plan N
- Manhattan Life Medicare Supplement Rates
- Claims Experience
- Medical Underwriting (if applicable)
- Manhattan Life Dental, Vision & Hearing Plans
- Our Recommendation
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Company Background and History
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 Insurance Company
- Central United Life
- Family Life Insurance Company
- Western United Life Assurance Company
- Manhattan Life Assurance Company of America
Headquartered in Houston, Texas, Manhattan Life began doing business 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 they have grown from solely offering life insurance to being a leader in the reinsurance market, Medicare market, and employer/worksite offerings.
Additional Insurance Products Offered
Manhattan Life and its subsidiary companies offer additional insurance products to their Medicare portfolio such as:
- Life insurance
- Accident insurance
- Cancer plans
- Critical care insurance
- Dental insurance
- Vision insurance
- Disability insurance
- Group health
- Retirement annuities
- Hospital indemnity insurance
Currently, Manhattan Life has over 700,000 policyholders. They maintain an AMs Best rating of B+.
Manhattan Life Medicare Supplement Insurance
Manhattan Life offers Medigap plans in many states across the country. The plans are regulated and standardized by the federal government. The most popular Medigap plans offered by Manhattan Life are; plans F, G, and N.
Medigap plans are standardized, the benefits are the same between the carriers. For example; the difference between a Plan F with UnitedHealthcare® and Plan F with Manhattan Life is the price.
Manhattan Life Medicare supplemental insurance plans come standard with the following:
- 30-day free look period
- 12-month rate lock-in
- Portable Coverage
- Household discount when applicable
- See any doctor nationwide that accepts Medicare
- Foreign Travel Emergency Coverage
Manhattan Life Medicare Supplement Plan F
Plan F is simple. it covers 100% of everything that Medicare does not cover in full.
- Medicare Part A hospital deductible
- Medicare Part B doctors office deductible
- Skilled nursing facility coinsurance
- Part A coinsurance
- Part B coinsurance
- Blood (first 3 pints)
- Part B excess charges
- Foreign travel emergency care
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. In addition, this plan is no longer available to folks who are new to Medicare after January 1st, 2020. The most comprehensive Medigap plan those folks can purchase is Plan G.
Manhattan Life Plan G
Plan G is the plan we recommend the most to our clients. The only difference between Plan F and G is an annual deductible of $226 in 2023.
This deductible is associated with most outpatient services and doctor visits. Once this is met you pay nothing for the remainder of the year (as long as services are Medicare-approved). 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 extra money. This plan is the most popular due to the low premium and rich benefits.
View personalized Plan G quotes instantly online here.
Manhattan Life Medigap Plan N
Plan N is the third most popular supplemental 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:
- Part B coinsurance – $0-$20 copayment for an office visit (doctor or specialist)
- $50 copay at the Emergency Room (waived if admitted)
- Part B deductible of $226 for the year (same as Plan G)
- Part B Excess charges not covered
Agent TipFor personalized Plan N rates use our online quote tool here or call us at 800-208-4974.
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.
Read More: Medicare Plan N
Manhattan Life Medicare Supplement Rates
Manhattan Life is very competitive across the country. In many states, they offer a household discount for just living with a spouse (they don’t need to purchase a plan). Let’s take a closer look at the premium you may encounter:
|Plan F||$128 per month|
|Plan G||$105 per month|
|Plan N||$83 per month|
The premiums above are for a non-smoker, 65 year-old female in Charleston, SC. Insured by Manhattan Life Assurance Company of America.
In most states the rates are age-attained but in states like Georgia and Arizona, they are issue-age rated.
You are probably wondering how this carrier processes and pays medical claims. In our experience, they have been excellent at processing claims, if approved by Medicare. Claims processing is done so electronically, so it’s 100% hands-off.
Medical Underwriting (if applicable)
If you are changing Medigap plans or have missed your Open Enrollment window then you may be subject to health underwriting. If so, Manhattan Life can be an excellent choice. They have fairly lenient underwriting (health questions) for clients with the following conditions:
- Diabetes (even with insulin use)
- Heart attacks
- Inhaler use
- High blood pressure
- High cholesterol
- Recent surgery
- Cancer history
- Stent placement
- Bypass surgery
View Rates Online
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Manhattan Life Dental, Vision & Hearing Plans
Manhattan Life does offer a popular 3-in-1 plan that covers dental, vision, and hearing. The plan is offered through their subsidiary, Central United Life. This plan is available in most states to people between the ages of 18-85.
There is a 12-month waiting period on “major” services with this plan. There is a $1000 and $1500 annual benefit option, there is a $100 annual deductible for the year. The policy allows you to use any provider of your choice, you are reimbursed by the insurance company for your approved claims.
Overall we recommend Manhattan Life to our clients. They have an A+ rating with the Better Business Bureau (BBB). 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, averaging about 5% a year across the country. This is typical of most insurance companies.
If you are interested in a free quote comparison or applying for coverage, call us at (800) 208-4974 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.