Manhattan Life Insurance: Medicare Supplement Review

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…

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Reviewed by

Rachael Brennan

Licensed Insurance Agent

UPDATED: Feb 25, 2022

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Here's the Scoop

  • Manhattan Life Insurance has five Medicare Supplement plans available
  • You can file a claim with Manhattan Life Insurance online
  • Manhattan Life has been in business for over 100 years

Medicare is a wonderful tool that can help individuals over 65 — and even younger individuals who qualify for Medicare — gain access to the medications and specialists they need. However, Medicare might not cover every medical necessity, such as long-term care.

That’s when the Manhattan Life Insurance Company comes into play. A Manhattan Life Medigap plan can help you pay for some healthcare costs that aren’t covered by your Medicare plan.

Trying to navigate health insurance and health insurance supplements can be confusing. However, with free Manhattan Life Insurance Medicare Supplement reviews like this one, you can determine if this esteemed company can help you pay for the care you need.

Continue reading this Manhattan Life Insurance Medicare Supplement review to learn more about what this company can offer you and how to obtain a Manhattan Life Medicare Supplement quote.

As you read this Manhattan Life Insurance Medicare Supplement review, you can enter your ZIP code to obtain free quotes right away.

Table of Contents

Who is the Manhattan Life Insurance Company?

Founded in 1850, the Manhattan Life Insurance Company has long been in the business of getting people the help they need, regardless of whether it’s a life insurance policy or a Medicare Supplement plan. Through Manhattan Life’s Lighthouse Series, you can purchase coverage to fill any financial gaps that Medicare leaves behind. Manhattan Life has very high ratings:

  • Demotech – A
  • Better Business Bureau – A+
  • A. M. Best – B++

If you are interested in purchasing a Medicare Supplement plan from Manhattan Life, you won’t simply be able to call a Manhattan Life Medicare Supplement provider phone number. Instead, you’ll need to fill out an online application form and wait for a Manhattan Life representative to contact you with more information.

Filing a claim with Manhattan Life is a much more streamlined process. You can use the online client portal — not to be confused with the Manhattan Life Medicare Supplement provider portal — to upload documents and begin your claim process right away.

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What Medicare Supplement coverages does Manhattan Life provide?

Everyone has different needs regarding financial assistance and healthcare. Fortunately, Manhattan Life recognizes that and offers a variety of Medicare Supplement plans. It is vital that you do not confuse Medicare with the similarly named program, Medicaid.

While both of these programs assist individuals with gaining access to necessary health care, Medicaid is supported by both the federal government and state governments. In addition, unlike Medicare, this program doesn’t have an age restriction and is available to people who have a limited income.

Manhattan Life doesn’t provide any supplemental plans for Medicaid. However, this company does offer five different Medicare Supplement options for you to choose from:

  • Manhattan Life Medicare Supplement Plan A
  • Manhattan Life Medicare Supplement Plan C
  • Manhattan Life Medicare Supplement Plan F
  • Manhattan Life Medicare Supplement Plan G
  • Manhattan Life Medicare Supplement Plan N

Each of these plans has unique selling points. Therefore, let’s take a closer look at what they have to offer Manhattan Life clients, so you can discover the plan that best suits your needs.

Plan A

You can use Plan A to assist with the expenses you accrue by staying in either a hospital or in hospice for a long duration. In addition, your first three pints of blood for the year will also be covered by this plan.

Plan C

Plan C offers much more coverage. For example, if you are concerned about the costs of skilled nursing facilities, this plan not only covers the coinsurance for such costs but can also provide assistance with your Medicare Part A and Part B deductibles.

Plan F

As one of the most comprehensive plans offered by Manhattan Life, Plan F covers your coinsurance and deductible amounts as well as any emergency medical care you receive while traveling abroad.

Plan G

Manhattan Life’s Plan G provides financial assistance for a variety of items like Part A hospice care coinsurance, your first three pints of blood, and a nursing facility coinsurance.

Plan N

While Plan N will help you to cover the cost of your Part A deductible and your hospice care coinsurance, it will not provide coverage for your Part B deductible.

It’s important to note that Manhattan Life’s Plan C and Plan F aren’t available to individuals who became eligible for Medicare after January 1, 2020. Manhattan Life also provides no coverage for Medicare Part D, which covers medications. Private companies sell such policies, and if you take a lot of prescription medications, you can request quotes from companies like Kaiser Permanente or Humana.

The rates of Manhattan Life’s Medicare Supplement plans are not shared directly with the public, so you must reach out to a Manhattan Life agent to discover the going rate for each plan.

How much does Medicare cost?

Remember that Medicare doesn’t absolve you from making payments for your medical care. While you’ll need to request a quote to learn the rates of Manhattan Life’s Medicare Supplements, you can start budgeting for your Medicare payments right away.

Typically, individuals who qualify for Medicare won’t have to set aside funds in order to afford Medicare Part A. However, if you didn’t pay Medicare taxes for 30 quarters or more, you could pay $499 a month. You should also note that you may pay $170.10 for Medicare Part B, but that figure could change depending on your total income.

You’ll also need to budget for the $1,556 deductible that accompanies each benefit period, and the average $33.37 monthly rate of most Medicare Part D plans. Medicare Part D plans are sold through private companies, though, so you can shop around to find the best Part D plan for your budget. You’ll also need to be prepared to pay for anything that Medicare doesn’t cover if you don’t have a Medicare Supplement plan.

What You Need to Know About Manhattan Life’s Medicare Supplement Plans

The Manhattan Life Lighthouse Series contains helpful products for seniors, like its five Medicare Supplement plans. These plans offer a range of benefits that can help you pay for whatever procedures or medical stays aren’t covered by your Medicare policy.

Since Manhattan Life doesn’t list the rates associated with its plans online, it would behoove you to obtain Medicare Supplement quotes from at least five different companies. This step requires minimal effort but can result in maximum rewards, as comparing quotes allows you to find the best deal possible.

Now that you’ve completed this Manhattan Life Insurance Medicare Supplement review, you can shop for Medicare Supplement plans with confidence. Enter your ZIP code to acquire free quotes today.