Pro Tip: Not sure whether you qualify for Medigap? Take a look at my 2023 Medigap guide to learn about enrollment periods, eligibility, and potential costs.
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We picked out a few more recommendations worth considering:
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 2023 Medigap guide to learn about enrollment periods, eligibility, and potential costs.
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.
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.
| 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 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.
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.
ManhattanLife isn’t the only insurance company that offers Medigap plans. Here’s a look at a few of our other favorite Medigap providers:
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:
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.
ManhattanLife plans help pay for deductibles, coinsurance, copayments, and other out-of-pocket costs that Medicare doesn’t cover.
ManhattanLife offers Medigap Plans A, C, F, G, and N. Contact an agent or representative to determine which plan is best for you.
ManhattanLife Plans C, F, G, and N cover 80% of health-care costs needed outside of the United States.
