by Russell Noga | Updated September 7th, 2023
Medicare supplement plans (Medigap plans) are supplemental insurance for the out-of-pocket costs associated with Original Medicare Part A & B benefits. Medicare only covers 80% of many Parts A & B expenses, leaving the beneficiary to pay to balance.
Medicare Parts A & B are federally-funded programs, but Medigap policies are available from private healthcare insurers, such as:
The CMS regulates the benefits of Medigap plans, bringing consistency to the industry. So, the benefits you get in a Medigap plan from Manhattan Life are the same as with any other provider.
Medigap Plan G is fast becoming the most popular Medicare supplemental policy. Plan F is the only other policy offering more comprehensive coverage.
However, Plan F is discontinued for seniors eligible for Medicare after January 1, 2020. As a result, Plan G is the next best option for seniors looking for the best coverage from their Medigap policy.
This post looks at Manhattan Life Medicare supplement Plan G. We’ll unpack the benefits available in the plan, the average premiums, and the perks available from Manhattan Life.
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Manhattan Life Medicare Supplement Plan G at a Glance
- Medigap Plan G is the best choice for seniors who don’t qualify for Plan F.
- Plan G covers all Medicare Part A & B benefits except for the Medicare Part B deductible.
- Manhattan Life offers average to lower market premiums for Plan G.
- Manhattan Life offers an add-on plan for dental and vision benefits.
Who Is Manhattan Life?
Founded in 1850, Manhattan Life is part of the Manhattan Life Group. The companies in the Manhattan Life group are Manhattan Life Insurance Company, Central United Life, Family Life Insurance Company, Western United Life Assurance Company, and Manhattan Life Assurance Company of America.
The company has headquarters in Houston, Texas. The company was known as “Old Reliable” after the Civil War due to its payment of death benefits to the widows of soldiers killed in the war. Manhattan Life offers Medigap plans in 47 states, including Washington D.C. and Puerto Rico.
Manhattan Life Medicare Supplement Plan G – Benefits & Coverage
Medigap Plan G offers beneficiaries near-comprehensive coverage for all Medicare Part A & B benefits. The only benefit it doesn’t cover is the Medicare Part B deductible. Here are the benefits available with Medigap Plan G.
- Part A coinsurance and hospital costs for up to 365 days after using up Medicare benefits.
- Part A hospice care coinsurance or copayment.
- Part B coinsurance or copayment.
- Blood transfusion costs for the first three pints of blood.
- Part A deductible.
- Part B excess charges.
- Skilled nursing facility care coinsurance.
- 80% of emergency healthcare costs when traveling outside the US for 60 days. ($250 deductible and $50,000 maximum apply).
- Unlimited coverage for all out-of-pocket costs.
What Manhattan Life Medicare Supplement Plan G Doesn't Cover
Medigap Plan G doesn’t cover medical or hospital expenses not covered by Original Medicare Parts A & B. If Original Medicare doesn’t cover it, Medigap won’t either. Medigap Plan G doesn’t cover stays at unskilled nursing facilities or private-duty nursing services.
Medigap policies don’t cover prescriptions; only Medicare Part D covers this expense. There’s no coverage for hearing, dental, or vision services. Medigap plans don’t cover the cost of preventative services from chiropractors, acupuncturists, physiotherapists, and podiatrists.
However, Medicare might cover dental, physiotherapy, and chiropractic services if deemed medically necessary by your doctor. In this case, Medigap would cover the out-of-pocket costs left behind by Original Medicare.
Does Manhattan Life Offer High-Deductible Plan G?
Plan G is available in a standard and “high-deductible” version. The high-deductible version of Plan G offers all the same benefits as Original Medicare Parts A & B. However, it increases the Medicare Part A deductible from $1,600 to $2,700. In return for a higher deductible, beneficiaries receive up to 80% savings on premiums for the standard version.
What's Better? – Manhattan Life Medicare Supplement Plan G or N?
Plans F, G, & N are the most popular options for Medigap beneficiaries. Since Plan F is unavailable for Medicare beneficiaries eligible after January 1, 2020, Plans G & N are the next best options. Plan N is more affordable and a better choice for healthy seniors who don’t use many medical or hospital services during the year.
With Plan N, you have a $20 copayment at the doctor’s and a $50 copayment at the emergency room if the doctor doesn’t admit you to the hospital. Plan N doesn’t cover the Medicare Part B deductible or excess charges. Excess charges are the fees incurred above the Medicare-approved amount when consulting with the doctor.
Plan G is the best choice for seniors needing medical emergency coverage. Or those who take more trips to the doctor or emergency during the year.
Manhattan Life Medicare Supplement Plan G – Premiums
Manhattan Life assesses your risk profile to set your premiums when applying for a Plan G policy. Your age, gender, smoking status, and location in the United States determine your risk profile.
The average premium for Manhattan Life Plan G is $105 per month across all states. Their rate increase history from Manhattan Life is conservative and stable and conservative, averaging approximately 5% per year.
Manhattan Life Medicare Supplement Plan G – Additional Benefits & Discounts
Manhattan Life offers an additional policy, for an extra cost, for Medigap beneficiaries covering dental, vision, and hearing services. This policy is available through its subsidiary, Central United Life. The plan comes with an option for a $1,000 or $1,500 annual benefit option and a $100 yearly deductible.
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Frequently Asked Questions
What is Manhattan Life Medicare Supplement Plan G?
Call Us for More Information on Manhattan Life Medicare Supplement Plan G
Reach out to our team at 1-888-891-0229 for more information on Manhattan Life Medicare supplement Plan G. Our team offers a free consultation to discuss if it’s the right choice for your healthcare requirements. We’ll get you a free quote for your Plan G policy, with the best rates in your state.
If you can’t call us right now, leave your details on our web form, and we’ll get a Medigap expert to call you. Or you can use the free tool on our site for an automated quote on any Medigap plan with any provider.
Russell Noga is the CEO of Medisupps.com, an online Medicare Agency and resource center helping Medicare beneficiaries learn about Medicare, Medigap and Part D drug plans, and Medicare Advantage plans since 2009. Russell is licensed in all 50 states and has been featured as a keynote speaker, and author of several publications, along with hosting the very popular Medisupps.com Youtube channel.