ManhattanLife Medicare Supplement Reviews

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A.M. Best financial strength rating: B+ BBB rating: A+ Demotech financial stability rating: A

Quick ManhattanLife Medicare Supplement plans review: With ManhattanLife’s Medicare Supplement plans, you can save on Medicare expenses. But your choices may be limited.

Established in 1850, ManhattanLife is among America’s oldest insurance companies offering a full range of insurance products. Their Lighthouse Series is geared toward meeting the insurance coverage needs of seniors. ManhattanLife offers five Medicare Supplement plans, also known as Medigap that help pay for costs incurred when you use Original Medicare benefits.

If you have Original Medicare and would like to supplement your coverage with a Medigap plan, learn about some of the ManhattanLife Supplement Plans that may be available in your area.

Pros and Cons of ManhattanLife Medicare Supplement (Medigap) Plans

What we like about ManhattanLife Medicare Supplement plans: The drawbacks of ManhattanLife Medicare Supplement plans:
  • Coverage in every state, Washington, DC, and Puerto Rico
  • The nation’s largest network of health care providers
  • BCBS has a long-standing reputation for dependability
  • They offer five out of ten possible plans, which means choice is limited
  • Difficult to find ratings and reviews specific to Medigap plans
  • Plans may not be available in all areas

What do ManhattanLife Medicare Supplement Plans Cover?

ManhattanLife’s Medicare Supplement plans are part of their Lighthouse Series designed specifically with seniors in mind. Medigap plans are standardized and regulated by Medicare and are assigned letters A through N. ManhattanLife offers Plans A, C, F, G, and N. The plans help pay for costs incurred when you access your Original Medicare Part A and B services.

Once you are a ManhattanLife Medicare Supplement plan member, the following services and discounts are included:

  • Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used
  • Medicare Part B coinsurance and copayments
  • First three pints of blood (if you need a transfusion)
  • Part A hospice care and coinsurance or copayments

ManhattanLife Medicare Supplement Plan Options

ManhattanLife offers five different Medigap plans: A, C, F, G, and N. Your monthly premium costs for a Medigap policy will vary depending on your age, gender, when you purchase your policy, and where you live. The range could be between around $100/month to several hundred dollars/month. You will always pay a Part B premium, which will likely increase in 2022.

Medigap plans fill in the gaps of coverage that occur if you use your Original Medicare insurance. For instance, Medicare Part B will pay for 80% of Medicare-approved outpatient care costs, and your Medigap plan will cover the other 20% after you have met your annual deductible.

Medigap plans might be right for you if you access your healthcare benefits frequently and prefer to choose your providers without being confined to one specific network. There is no limit on what you may spend for Original Medicare benefits, and the coinsurance and copays can add up quickly. A Medigap plan requires a monthly premium but serves as insurance for you that most of your healthcare costs will be covered.

Compare your ManhattanLife Medicare Supplement plan options before making a decision. Deductibles for Parts A and B will likely increase in 2022. Costs below are for 2021.

Plan name Monthly premium† Part A hospital deductible Part B medical deductible Member responsibility for excess charges Out-of-pocket maximumǂ
Plan A $102-731 $1,484 $203 All costs N/A
Plan C** $140-461 $0 $203 All costs N/A
Plan F** $133-573 $0 $203 $0 N/A
Plan G $103-544 $0 $203 $0 N/A
Plan N $80-519 $0 $203 Up to $20 for office visits or up to $50 for ER care N/A

*Based on pricing in Houston, TX
**Plans C and F are only available if you were eligible for Medicare prior to January 1, 2020
†Rates are based on medical eligibility
ǂManhattanLife does not sell Plans K or L – the only Medigap plans with out-of-pocket maximum

ManhattanLife Medicare Supplement Plans Reviews and Ratings

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how A.M. Best, the Better Business Bureau, and Demotech rate ManhattanLife Medicare Supplement plans.

A.M. Best financial strength rating: B+ A.M. Best is a credit rating agency that specializes in the insurance industry.

A B+ rating in this category indicates A.M. Best believes ManhattanLife has a good ability to meet its insurance obligations.

BBB rating: A+ Better Business Bureau (BBB) ratings reflect how well a business is likely to interact with its customers. ManhattanLife Group has an A+ rating from the Better Business Bureau and has been accredited since 2013. Over the past three years, 39 consumer complaints have been registered and resolved through the BBB. None were specific to the Lighthouse Series for seniors or their Medicare Supplement Insurance plans.
Demotech financial stability rating: A Demotech offers financial stability ratings to insurers of all sizes. In September 2021, Demotech affirmed all companies affiliated with ManhattanLife have a Demotech financial stability rating of A (exceptional).
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Certified Senior Advisor (CSA)®

As a health care professional since 1987, Kelly Blackwell has walked alongside and cared for seniors as they journey through the season of their fourth quarter of life. Blackwell holds a Bachelor of Science in nursing from the University of Northern Colorado, a Master of Science in health care administration from Grand Canyon University, an interprofessional graduate certificate in palliative care from the University of Colorado Anschutz Medical Campus and holds a Certified Senior Advisor® credential from the Society of Certified Senior Advisors.

Blackwell contributes to the University of Colorado-Anschutz blog and has been published in “The Human Touch” distributed by the University of Colorado Center for Bioethics and Humanities. She cowrote “Dying Is” for Pathways Hospice.

A registered nurse, Blackwell understands health insurance choices influence quality of life and are driven by values, goals, and beliefs. She’s passionate about engaging with, educating, and empowering seniors as they navigate the health care system. She’s equipped to lend an experienced, compassionate voice to beneficiaries seeking information about Medicare Advantage Plans.

As a CSA®, Blackwell has access to valuable resources for Medicare beneficiaries. Her work as a bedside nurse and clinical manager has given her the opportunity to see how Medicare rules, regulations, and benefits work when patients need them. With a passion to learn and to make a difference in the lives of seniors, Blackwell supports seniors through Medicare and fourth-quarter life decisions.

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