Manhattan Life Medicare Review: Medicare Supplement Insurance

Manhattan Life Medicare Supplement plans currently offered are Plans A, C, G, N, and F. Manhattan Life Medicare Supplement Plan F and Plan C rules changed in accordance with new laws 2020, so they may not be available to everyone. 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 place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 29, 2021

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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.

If you’re looking for Manhattan Life Insurance Medicare Supplement reviews 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.

What is 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 the 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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What Medicare Supplement Plans are Offered?

Medicare supplement costs and coverage can vary, according to Medicare.gov. Supplemental plans fill that gap.

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 and will help you compare Manhattan Life to other options.

Medicare Supplement Plan Comparison
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 a range of quality options, including five out of the eleven available Medicare Supplement plans. Manhattan Life Medicare Supplement Plan G and N 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 includes these coverages along with additional benefits. 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.

In accordance with changes to Medicare, Plans C and F are only available to those who were eligible for Medicare prior to January 1, 2020. Anyone already enrolled in these can keep the coverage.

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 eligibility verification.

What are Manhattan Life Medicare Supplement Rates?

Medicare Supplement quotes are not available directly on the 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 and buy Medicare Supplement insurance. 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 its 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). 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 the company’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.

How are Claims Handled?

The company 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 premiums and be paid directly. They will do this through the Manhattan Life Medicare Supplement provider portal using a Manhattan Life Medicare Supplement payer id.

Because this is how most companies handle things, we aren’t surprised to see no Medicare claim forms nor a claims phone number on the website.

You may need to send forms to the 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. For questions, look up your Manhattan Life Medicare Supplement provider phone number and call them directly.

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Are the Company’s Reviews and Ratings Positive?

Manhattan Life Group has an A+ rating with the Better Business Bureau (BBB), and there are only 10 customer service 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.

What’s 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 the affordable Manhattan Life Medicare Supplement insurance options, it’s time to compare numbers.

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References:

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