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Manhattan Life Medicare Review: Medicare Supplement Insurance

Manhattan Life Medicare reviews reveal a top company with five Medicare Supplement plans. Plans A, C, G, N and Manhattan Life Medicare Plan F are available. Manhattan Life Insurance Group rating is an A+ with the Better Business Bureau, and has only 10 complaints on file in the past three years.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Sep 24, 2020

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Manhattan Life Group is a venerable life insurance company and a pioneer in the industry. They write life and supplemental health insurance policies across the country, among other products and services.

Manhattan Life Insurance Medicare Supplement reviews, and we have what you need right here. We’ll cover Manhattan Life’s products and Manhattan Life ratings so you can make an informed decision.

Finding the best insurance companies for your Medicare Supplement needs can be hard, but we can help. Before reading our Manhattan Life Medicare Review, enter your ZIP code to compare rates now.

About Manhattan Life Medicare Supplement

Named for its New York City birthplace, Manhattan Life Insurance Company was founded in 1850. The company became the first to issue life insurance to a woman, and also first to issue a group life policy. In 1894 the Manhattan Life Building became New York’s first skyscraper, and it stood as the tallest building in the world at the time. It was eventually demolished.

A century after its creation, Manhattan Life continued to pioneer into the 1980s, moving into reinsurance and policy management. The company also restructured into a full stockholder ownership during the same era. Today Manhattan Life Insurance Company is part of Manhattan Life Group, which has several other subsidiaries. Policies from Manhattan may be underwritten by any of those underlying companies.

Manhattan Life Insurance Company still operates out of New York although Manhattan Life Group has its headquarters in Houston, Texas. The group focuses on life insurance, retirement products, and supplemental health insurance products including Medicare Supplement.

Policies are sold across the country through Manhattan Life agents, and may also be sold through subsidiary Western United Life Assurance Company, Manhattan Life Assurance Company, and other members of Manhattan Insurance Group.

The Manhattan Life Insurance Company phone number is 1-800-669-9030.

So what’s the best overall Medicare Company? How does Manhattan Life stack up? Read on.

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Manhattan Life Medicare Supplement Plans

Medicare supplement costs and coverage can vary, according to Medicare.gov. Supplemental plans fill that gap. This video explains how Medigap (Medicare Supplement) works.

Here’s a quick breakdown of what each of the eleven plans covers. F is also available as a high deductible plan. This can vary by state.

CoveragePlan APlan BPlan CPlan DPlan FPlan GPlan KPlan LPlan MPlan N
Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used upYesYesYesYesYesYesYesYesYesYes
Part B coinsurance or copaymentYesYesYesYesYesYes50%75%YesYes
Blood (first 3 pints)YesYesYesYesYesYes50%75%YesYes
Part A hospice care coinsurance or copaymentNoYesYesYesYesYes50%75%YesYes
Skilled nursing facility care coinsuranceNoNoYesYesYesYes50%75%YesYes
Part A deductibleNoYesYesYesYesYes50%75%50%Yes
Part B deductibleNoNoYesNoYesNoNoNoNoNo
Part B excess chargeNoNoNoNoYesYesNoNoNoNo
Foreign travel exchange (up to plan limits)NoNo80%80%80%80%NoNo80%80%
Out-of-pocket limit in 2020N/AN/AN/AN/AN/AN/A$5,880$2,940N/AN/A
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Manhattan Life health insurance includes five out of the eleven available Medicare Supplement plans. Manhattan Life Medicare Supplement plan N and G are available, as well as A, C, and F.

Plan A is considered the base plan and pays for Medicare coinsurance amounts for hospital, medical, and hospice care. It also provides coverage for the first three pints of blood needed on a yearly basis.

Each of the other plans offered by Manhattan Life includes these coverages along with additional benefits. Manhattan Life Medicare Supplement Plan F is the most comprehensive. It covers all of the coinsurance and deductible amounts, emergency medical during foreign travel, and all other out of pocket costs not paid for under Original Medicare.

The remaining plans are somewhere in between, with Plan N being the only option that uses copays in order to provide coverage at a more budget-friendly rate.

Although the Manhattan Life site does not state that they offer plan M, they do have a description of it on the Medicare Supplement page among the short descriptions of the other plans they offer.

The Western United Medicare Supplement plans include the same offerings, and Western United Insurance reviews will fall under Manhattan Life. You may be subject to Manhattan Life Medicare Supplement eligibility verification.

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Manhattan Life Medicare Supplement Rates

Online quoting is not offered for Medicare Supplement directly on the Manhattan Life website, nor is there a link to a location to obtain a quote. The website does provide the option to locate a local agent in order to obtain a quote. This is likely to result in some solicitation attempts, which may be problematic for those that prefer to compare rates without having to fend off sales attempts.

In an unusual move, the company appears to have a separate subset of their website where Medicare Supplement quotes can be obtained. Without searching for this, most customers would reach out to an agent and miss the opportunity to get quotes online. While it makes sense that the company would want potential customers on the phone with an agent that can close the deal, it begs the question of why they would then have the quoting system at all.

The fine print on this site indicates that the policies being quoted are underwritten by a subsidiary company, Western United Assurance (this is common practice for groups like Manhattan Life). We attempted to get a quote using the request form, which requires the entering of personal contact information, but every zip code we entered for a sample was rejected, including the California zip code we usually use and the one for Manhattan Life’s Texas headquarters. The site stated coverage from Western United Insurance was not available in those areas. As a result, our attempts to get a quote from the secondary website came up empty.

Manhattan Life Medicare Supplement Claims

Manhattan Life does have online access to claims forms that can be downloaded, filled out, and then re-uploaded, but none of them appear to pertain to Medicare Supplement insurance.

In most cases, Medicare Supplement insurance claims are handled directly with providers, who will bill the insurance company and be paid directly. They will do this through the Manhattan Life Medicare Supplement provider portal. Because this is how most companies handle things, we aren’t surprised to see no Medicare claim forms on the website.

You may need to send forms to the Manhattan Life Medicare Supplement claims address occasionally, and that information will be provided to you by the company. you may also use your Manhattan Life Medicare Supplement login to view your claims.

Manhattan Life Medicare Supplement Reviews and Ratings

Manhattan Life Group has an A+ rating with the Better Business Bureau (BBB), and there are only 10 Manhattan Life Insurance complaints on file in the past three years. They have been accredited since 2013, and there are five reviews for an overall one-star rating. The reviews cite difficulty with claims, and some appear to reflect a lack of understanding of the policy contract.

Manhattan Life supplemental insurance reviews are less common than those for the company’s life insurance plans. That means finding Manhattan Life Medicare Supplement Plan G reviews, or any other specific plan, will be hard.

There is very little to go on in terms of reviews for this company, which is a bit surprising as they are fairly large. In general, we view a lack of reviews as a positive thing for an insurance company.

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Manhattan Life Medicare Supplement: The Bottom Line

Manhattan Life has a long, stable history in the insurance industry and we see nothing of concern in terms of their reputation. They offer a solid handful of Medicare Supplement plans, but we were unable to get a look at their rates. Still, for those that do not mind making phone calls to get rate quotes, this company may be worth the call.

Manhattan Life has a strong online presence, so whether you are looking for Manhattan Life quotes, the Manhattan Life Medicare Supplement provider portal, or even the Manhattan Life dental provider login, you should be able to locate it easily.

Now that you’ve learned all about Manhattan Life Medicare Supplement insurance, it’s time to compare numbers. Enter your ZIP code for a quote.

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

12 Comments

  1. I have submitted forms twice for my Mother’s cancer policy.

    I keep getting the runaround.

    I am beginning to think they don’t intend to pay.

    I am about to contact an attorney if I don’t hear something soon.

    Reply
    • I hope that you got paid out.

      I made a claim in May of this year, to say that I got the runaround is an understatement.

      Ms. Dyson, you need to do this or that AGAIN only for them to send me a check for 200.00.

      I was out of work for over two months darn near three.

      It wasn’t until I said something about an attorney they sent me a check for 200.00.

      These people have almost no customer service and try their best not to pay what you are owed.

      They run you around hoping that you get tired of the back and forth.

      They take their money fearfully EVERY payday.

      When it’s my turn to get paid, I get passed around from person to person and get little to no results!!

      I’m done with them!!

      Reply
  2. I got dental and vision with these scammers back in 2016, recommended by my affordable health care representative. This is almost as if you really didn’t have insurance.

    So many things are hidden in the contract that most people don’t take time to read and this is what the are betting on. This insurance is terrible, to say the least.

    The insured’s copay and expenses the insured has to take on, due to noncoverage by this policy, are as if you really didn’t have insurance at all.

    Furthermore, most larger and established business in dental and vision do not even accept this insurance. I kept waiting, like a fool, for it to get better. Needless to say, it never did.

    I lost about $1200.00 all around. Cheap lesson. It could have been much worse.

    Reply
  3. They canceled my mother’s supplemental insurance. I had to resend renewal forms in so she could have the insurance again to help cover her medical costs. They refused her because she has Alzheimer’s after she has had this insurance for several years! What a ripoff these people are!!!! They are all about money, they don’t care about people at all!

    Reply
  4. I telephoned them to obtain some information about a policy. I have to say that representative was very rude at the end. If you don’t like repeating yourself because someone is trying to confirm that information is right, then you are in the wrong place to work in. What kind of comment is ” Girl didn’t you hear me the first time”. That is very unprofessional.

    Reply
  5. I was signed up for Dental, Vision, and Hearing Coverage with Central United Insurance Company (Manhattan Life Group) through United Medicare Advisors. The DVH coverage is completely without merit as you fund 70% of the company’s risk the first year whether you use it or not. I called the company at the customer service number the day I received the policy in the mail and cancelled it. I was told that the policy would be withdrawn and no payments would be taken. They took three before I realized it and suspended the payment. I strongly recommend avoiding both of these companies as you swim through the shark infested waters of Medicare coverage.

    Reply
    • The same thing is happening to my husband and I. We received mail from them, my husband thought it was an ad, it did not look like an insurance policy. He threw it away, a few days later 62.00 was withdrawn from our banking account. After trying to figure it out, I remembered the premium matched the amount in the mail we had gotten. We are not happy as we do not want this insurance. We called, and they said we would have to send in a written letter to cancel this insurance, so you can bet that there will be more withdrawals before this is done. You think you have learned a lesson from other times like this, but we still get caught in these schemes, they are good at what they do to deceive.

      Reply
  6. My supplemental insurance just went up 33%!!! Omg!!! It was all we could do to pay it before this!!! Help!!! What do we do??????

    Reply
    • Hi PK,

      Unfortunately, insurance does have a way of creeping up as we age, as well as based on a company’s economic situation. A good option is to shop around if you feel the price has gone up too much. Every insurance company uses their own underwriting guidelines, so you may find one that offers a similar service for a better price.

      Start here – https://www.expertinsurancereviews.com/medicare-supplement-insurance-quotes/

      It is important not to cancel your previous policy before your new one is signed and executed. If there is some health situation that prevents a company from binding a new policy, you may be stuck with your current one or no insurance.

      Best,
      Eric Stauffer

      Reply
  7. I agree with Susan! Nothing but run around bs with them also…every single document they receive you end up waiting another 15 business days. Such a disappointment!

    Reply
    • Manhattan Life Medicare Supplement and the agent who sold this, Elite Insurance, made me feel offended, disrespected and as if it were all a scam. I accepted the insurance, provided all the info, very next day my husband and I changed our mind and cancelled. However, the very next day they had already debited monies from our account without confirmation, notification of dates to debit, nor contract or policy numbers. Making matters worse the following they debited our account again! This was 8/21 they debited 8/22 and 8/23 after cancelling. Disrespectful, awful. In essence, we still await to hear from their customer service confirming refund for both amounts $120 and $135, Does it not feel like a scam?

      Reply
  8. Manhattan Life’s accident insurance is a scam. We pay $1,100/year to have extra coverage as we’re self-employed and have crappy major medical too. My husband recently had an accident that required an ER visit and two subsequent office visits. One fell out of the 28 day realm so we were told they wouldn’t cover it. You better get over any accident in less than 28 days or you’re screwed.

    Reply

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