ManhattanLife Medicare Supplement Plan Reviews in 2025

Pros and Cons

Overview of ManhattanLife's Medigap Plans

ManhattanLife offers standardized Medicare supplement plans. All of them are guaranteed renewable, meaning your coverage can’t be dropped because of health issues.

*Plans C and F are only available to beneficiaries who became eligible for Medicare before January 1, 2020.
**Plan N covers 100 percent of the Part B coinsurance, except for copayments of up to $20 for office visits and up to $50 for emergency room visits that don’t result in inpatient admission.

Medicare supplement plans are the same across the country. For example, a Plan G from ManhattanLife offers the same core benefits as a Plan G from any other insurer. The differences lie in the cost, customer service, and any additional benefits or discounts.

For more information about standardized Medigap plans, see our complete guide to Medicare Supplement Insurance.

Finding the Right ManhattanLife Medigap Plan for Your Needs

ManhattanLife offers five Medicare Supplement plans, each designed to meet different health care needs and budget considerations.

Basic Coverage for Essential Protection

Plan A covers Part A coinsurance and hospital costs, Part B coinsurance or copayments, blood (first three pints), and hospice care coinsurance or copayment. This plan works well if you want lower premiums and don’t mind paying more costs out-of-pocket, including the Medicare Part A deductible.

Comprehensive Coverage With Plan F

If you’re eligible (you became Medicare-eligible before January 1, 2020), Plan F gives you the most comprehensive coverage available. This plan covers all your out-of-pocket expenses for Medicare-approved services, including both Part A and Part B deductibles, excess charges, and foreign travel emergency coverage.

While Plan F used to be popular because it covers everything, rising premiums have made it less cost-effective for many people.

Maximum Value With Plan G

Plan G has become the most popular choice among Medicare Supplement plans. It gives you the same comprehensive coverage as Plan F, except you’ll still pay the Medicare Part B deductible ($240 in 2025). For most people, what you save on premiums compared to Plan F is more than this one out-of-pocket expense.

Budget-Friendly Option With Plan N

Plan N gives you substantial coverage with cost-sharing features that help lower your monthly premium. With Plan N, you’ll pay up to $20 copays for some office visits and up to $50 for emergency room visits (waived if you’re admitted). You’ll also pay any Part B excess charges.

Plan N could be a good fit if you see your doctor a few times a year but don’t frequently need emergency care or specialty services where excess charges might apply. Not all providers charge Part B excess fees, but it’s worth checking if your preferred doctor does before choosing Plan N.

International Coverage for Travelers

Plans C, F, G, and N include foreign travel emergency coverage. This benefit covers 80% of medically necessary emergency care received outside the U.S. during the first 60 days of each trip, after a $250 deductible, up to a lifetime maximum of $50,000.

Understanding ManhattanLife Medigap Plan Costs

Premium costs vary based on age, gender, location, and the specific plan selected. ManhattanLife uses an attained-age rating system, meaning premiums start lower when you first enroll but increase as you age.

Their rates are generally competitive, especially when factoring in available discounts. The Spousal Discount (for married couples where both spouses have ManhattanLife Medigap policies) and Household Discount (for unmarried individuals who have lived together for at least a year) range from 7% to 12% depending on the state.

Plan G and Plan N typically offer the best value for most beneficiaries, balancing comprehensive coverage with affordable premiums.

Based on premium data across multiple states, here are approximate monthly premium ranges for a 65-year-old nonsmoking individual:

*Only available to beneficiaries eligible for Medicare before January 1, 2020.
Note: Premiums shown are before any applicable discounts and can vary significantly by location, age, gender, and other factors.

Enrolling in a ManhattanLife Medicare Supplement Plan

The enrollment process for ManhattanLife Medicare supplement plans is relatively straightforward, but timing can significantly impact eligibility and costs. Here’s what you need to know about securing coverage:

Medicare Supplement Open Enrollment Period

The best time to enroll is during your Medigap Open Enrollment Period, a six-month window beginning the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B. During this period, you have guaranteed issue rights:

• You cannot be denied coverage based on health conditions
• You cannot be charged higher premiums due to health status
• You won’t face waiting periods for pre-existing conditions

Enrollment Outside Open Enrollment

If you apply outside your Open Enrollment Period, you’ll likely undergo medical underwriting. ManhattanLife has somewhat relaxed underwriting standards compared to some competitors, potentially making them more accessible to those with health conditions.

Application Process

To apply for a ManhattanLife Medicare supplement plan:

1. Contact ManhattanLife directly or work with a licensed Medicare insurance agent
2. Complete an application with personal information and Medicare details
3. Answer health questions (if outside your Medigap Open Enrollment Period)
4. Choose your payment method and frequency
5. Submit your application and wait for approval

Comparing ManhattanLife to Other Medigap Providers

ManhattanLife vs. Mutual of Omaha

Mutual of Omaha offers a broader selection, including high-deductible versions of Plans F and G. Both companies maintain strong financial ratings, though Mutual of Omaha typically earns slightly higher marks. ManhattanLife potentially has an edge in underwriting flexibility for applicants outside the Open Enrollment Period.

To learn more, read our guide to Mutual of Omaha Medigap.

ManhattanLife vs. Aetna

Aetna offers more robust digital tools and wider geographic availability. Pricing varies by location. ManhattanLife sometimes offers more competitive Plan G rates, while Aetna had better Plan N pricing in many markets. Where ManhattanLife truly excels is in its household discounts and more flexible underwriting.

To learn more about Aetna, read out guide to Aetna Medicare Advantage.

ManhattanLife vs. Humana

Humana is more widely available across the country and offers more plan options than ManhattanLife. While ManhattanLife provides five Medigap plans, Humana offers up to eight in some areas, giving consumers a broader selection to meet their specific needs.

We also noted a significant difference in supplemental benefits. Many of Humana’s Medigap policies include valuable extras like a SilverSneakers fitness membership, whereas ManhattanLife offers separate dental, vision, and hearing plans, each with its own additional premiums.

To learn more, read our guide to Humana Medigap.

Additional Benefits

Dental, Vision, and Hearing Coverage

ManhattanLife offers stand-alone dental, vision, and hearing plans since Original Medicare generally doesn’t cover routine dental care, vision services, or hearing aids.

Dental coverage includes preventive services (semi-annual exams, cleanings, X-rays) and basic services (fillings, extractions). Coverage typically starts at 60% in the first year, increasing to 80% by year three. Major services like crowns and dentures are 70% covered starting in year two.

Vision insurance covers basic eye exams and refractions, with glasses and contacts coverage after a six-month waiting period. Hearing coverage includes exams and supplies, with new hearing aids subject to a 12-month waiting period.

A notable advantage is the absence of provider networks. Beneficiaries can visit any provider and receive reimbursement based on their benefit level.

Household Discount Program

ManhattanLife’s household discounts provide meaningful premium savings. The Spousal Discount applies when both spouses have ManhattanLife Medigap plans. The Household Discount extends to nonmarried individuals who have lived with another person (at least 60 years old) for a year or more.

Discounts range from 7% to 12% depending on state, representing significant potential savings over the policy’s life.

Evaluating ManhattanLife's Customer Service Experience

ManhattanLife has earned an A+ Better Business Bureau rating, reflecting confidence in their business practices and complaint resolution. Unlike larger insurers with extensive branch networks, ManhattanLife primarily provides telephone-based customer support rather than in-person offices.

Since Medicare processes claims for Original Medicare services (with Medigap automatically processing secondarily), the claims experience is generally consistent across companies. However, responsive customer service becomes valuable when billing issues arise.

ManhattanLife’s online tools, while functional, are less robust than those offered by larger insurers like UnitedHealthcare.

ManhattanLife Medicare Supplement Service Area

ManhattanLife offers Medicare supplement plans in most states, though specific plan availability varies by location. Like all Medigap carriers, they allow beneficiaries to use any health care provider that accepts Medicare, providing nationwide flexibility.

This flexibility is particularly valuable for those who divide time between multiple residences, as there’s no need to worry about coverage in different locations.

Assessing ManhattanLife's Financial Stability

ManhattanLife has demonstrated remarkable longevity since its founding. The company operates under the Manhattan Life Group, which includes Western United Life Insurance, Central United Life Insurance Company, and Family Life Insurance Company.

AM Best has assigned ManhattanLife a B++ (Good) rating since 1976, consistently finding the company financially sound. While not the highest possible rating, this indicates adequate financial reserves to meet policyholder obligations.

Many larger insurers carry A or A+ ratings, suggesting somewhat stronger financial positions. However, ManhattanLife’s positive rating combined with their long market history provides reasonable assurance of stability.