In my experience with Medicare supplemental insurance, ManhattanLife offers some of the most affordable premiums. The Texas-based company also offers vision, dental, and life insurance that can be bundled with a Medicare Supplement plan.
But is ManhattanLife right for you? Let’s take a closer look.
Pro Tip: Not sure whether you qualify for Medigap? Take a look at my 2024 Medigap guide to learn about enrollment periods, eligibility, and potential costs.
ManhattanLife Pros
- Highly competitive premiums
- 7% household discount
- Relaxed underwriting
- Bundled plans available
ManhattanLife Cons
- Not available in all states
- No online quotes
Alternatives to ManhattanLife
No Medicare Supplement plan is right for every person. In addition to ManhattanLife, we recommend checking out coverage options from our top-rated carriers.
ManhattanLife Company Background
For more than 170 years, ManhattanLife has been one of the country’s most reliable health- and life-insurance companies. The independently owned company provides policyholders a full range of coverage, including health insurance, life insurance, and annuity products.
Which Medicare Supplement Plans Does ManhattanLife Offer?
ManhattanLife has a variety of supplemental plans that provide different levels of coverage. To be eligible for Medigap insurance with ManhattanLife or any other supplemental insurance company, you must be enrolled in Medicare Parts A and B.
For Medicare-eligible people interested in supplemental insurance, here is a glance at ManhattanLife’s Medigap plans and their benefits.
ManhattanLife Medigap Plans
| Benefits | Plan A | Plan C | Plan F | Plan G | Plan N |
|---|---|---|---|---|---|
| Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up | 100% | 100% | 100% | 100% | 100% |
| The first three pints of blood | 100% | 100% | 100% | 100% | 100% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% |
| Skilled nursing facilities coinsurance | No | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% |
| Part A deductible | No | 100% | 100% | 100% | 100% |
| Part B deductible | No | 100% | 100% | No | No |
| Part B excess charge | No | No | 100% | 100% | No |
| Foreign travel exchange (up to plan limits) | No | 80% | 80% | 80% | 80% |
| Out-of-pocket limit | No | No | No | No | No |
ManhattanLife Medigap Costs
| ManhattanLife Medigap Plan | Estimated Monthly Premium* |
|---|---|
| A | $86.31 |
| C | $92.10 |
| F | $107.50 |
| G | $81.91 |
| N | $72.16 |
*Pricing estimates are based on a female customer living in Virginia. Prices will vary based on age, location, and other health factors.
Did You Know: Medicare isn’t designed to cover all health-care costs, so having a supplemental insurance policy like ManhattanLife means you won’t get stuck paying expensive bills out of pocket.
How to Enroll in a ManhattanLife Medigap Plan
It’s best to apply for a Medigap plan within six months of the month you turn 65, because insurance policy options may be pricier or more limited once you’re outside that window.
To enroll in a ManhattanLife supplemental plan, you must live in a state where the policy is offered and have both Medicare Part A and Part B. If you’re an older adult who has only Medicare Part A when you turn 65, open enrollment for Medigap supplemental insurance opens the day you purchase Part B.
You may have to answer health questions during the Medicare Supplemental Insurance open-enrollment process. ManhattanLife’s website isn’t the most user-friendly, and you’ll need to call an agent to get pricing information and enroll.
FYI: You are eligible for ManhattanLife Medigap policies only if you have purchased Medicare Parts A and B and are 65 or older.
Alternatives to ManhattanLife Medigap Plans
ManhattanLife isn’t the only insurance company that offers Medigap plans. Here’s a look at a few of our other favorite Medigap providers:
- UnitedHealthcare: Founded in 1974, UnitedHealthcare is the largest health insurance provider in the United States. UnitedHealthcare offers seven Medigap plans: A, B, C, F, G, K, L, and N. Each plan looks a bit different and varies in price, but they all cover extra hospital days once Medicare runs out and some cover nursing home stays, medical care while traveling abroad, and copays.
- Cigna: Cigna is one of my favorite Medigap choices for people with multiple family members who need coverage because it offers financial savings for each additional dependent who is enrolled. Cigna supplemental care offers plans A, F, G, and N.
- State Farm: State Farm is best known for car insurance, but the company also offers home and health insurance. Its Medigap plans include A, C, D, F, G, and N, and they’re great for older adults who want to bundle multiple insurance plans into one.
- Mutual of Omaha: Mutual of Omaha offers plans A, F, G, high-deductible G, and N. High-deductible G is a good option for older adults who can afford to pay out of pocket but still want a safety net, because the plan kicks in only once you hit the $2,000 annual out-of-pocket limit.
Bottom Line
There are many reasons a Medicare supplemental insurance policy is a good idea, and ManhattanLife has reasonably-priced policies that provide a variety of coverage options. If you are over 65 and have Medicare Parts A and B, you may want to consider ManhattanLife.
To learn more about our favorite Medigap providers and plans, check out our helpful guides:
ManhattanLife Frequently Asked Questions
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What is Medigap?
Medigap is private health insurance that supplements your Medicare coverage. Medicare isn’t meant to cover all doctor visits and hospital stays, so Medigap helps bridge the gap between what Medicare covers and what you need to pay out of pocket.
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What are ManhattanLife’s plans?
ManhattanLife plans help pay for deductibles, coinsurance, copayments, and other out-of-pocket costs that Medicare doesn’t cover.
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What Medigap plans does ManhattanLife cover?
ManhattanLife offers Medigap Plans A, C, F, G, and N. Contact an agent or representative to determine which plan is best for you.
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Does ManhattanLife cover out-of-country health care?
ManhattanLife Plans C, F, G, and N cover 80% of health-care costs needed outside of the United States.
