Standing by individuals and families to help seniors get the right Medicare Supplement coverage.
Medicare Supplement
Covering the gaps left by Medicare.
Pay for the costs not covered by Original Medicare.
A Medicare Supplement insurance plan from ManhattanLife, also known as Medigap, helps pay for deductibles, co-payments, co-insurance and other out-of-pocket costs not covered by Original Medicare. Some Medicare Supplement policies also cover services that Original Medicare doesn’t cover, like medical care when traveling outside of the U.S.
MEDICARE HIGHLIGHTS
$5,460
In 2016, people with traditional Medicare spent on average of $5,460 out-of-pocket for health care expenses, including premiums, cost sharing and costs for services not covered by Medicare.1
$1,408
The Medicare Part A deductible (the amount you must pay before coverage begins) was $1,408 in 2020.2
50%
In 2016, half of traditional Medicare beneficiaries spent at least 12% of their income on out-of-pocket health care costs, one quarter spent at least 23% and ten percent spent nearly 50%.1
WHY MEDICARE SUPPLEMENT?
Medicare was not designed to cover all of your doctor and hospital bills, and, without supplemental insurance, the costs of health care can get out of hand. ManhattanLife offers a number of different Medicare Supplement policies to help cover some of the costs that Medicare alone does not.
WHO IS ELIGIBLE?
You can apply for a Medicare Supplement insurance policy if you are:
A resident of a state where the policy is offered
Enrolled in Medicare Parts A and B
Age 65 or over or, in some states, under age 65 with a disability (plan offerings and eligibility vary by state)
WHEN DO I ENROLL?
Your Medigap Open Enrollment is a 6-month period that begins the day you are both 65 AND have Original Medicare (Parts A and B). If you only bought Part A when you turned 65, your Open Enrollment begins the day you buy Part B.
AFTER YOUR ENROLLMENT PERIOD
If you enroll after your Medicare Supplement Open Enrollment Period, you may have to answer health questions during a simple underwriting process. Additional guaranteed issue enrollment periods may be available in your state. You also may have questions about specific situations, such as disability or existing health conditions. Contact us at 1-800-877-7703 for more information about your eligibility or when to enroll.
ManhattanLife Plan Offerings
Take a look at the Medicare Supplement plans from ManhattanLife to find one that fits your budget and needs today!
| 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% |
| Part B coinsurance or copayment | 100% | 100% | 100% | 100% | 100% |
| Blood (first three pints) | 100% | 100% | 100% | 100% | 100% |
| Part A hospice care coinsurance or copayment | 100% | 100% | 100% | 100% | 100% |
| Skilled nursing facility care coinsurance | 100% | 100% | 100% | 100% | |
| Part A deductible | 100% | 100% | 100% | 100% | |
| Part B deductible | 100% | 100% | |||
| Part B excess charge | 100% | 100% | |||
| Foreign travel exchange (up to plan limits) | 80% | 80% | 80% | 80% | |
| Out-of-pocket limit** |
* Starting January 1, 2020, Medigap plans that cover the Part B deductible (Plans C and F) won’t be available to people new to Medicare. If you have one of these plans (or the high deductible version of Plan F), you can keep it. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may buy one of these plans with the Part B deductible coverage.
Medicare Supplement is foundational to ManhattanLifes’ Lighthouse Series of senior products.
This Series was designed specifically with the senior market in mind, allowing you to easily locate, review, and enroll in any of our senior focused products. This series continues to grow, and product offerings will also include Dental, Vision, & Hearing; Cancer, and/or Heart and Stroke; Short-Term Medical; Home Health Care; and Final Expense Life Insurance. The ManhattanLife Lighthouse Series strives to be a single-source solution for seniors, providing added security and protection when it is needed most.
Why medicare supplement insurance from ManhattanLife's Lighthouse Series?
Medicare was not designed to cover all of the doctor and hospital bills for seniors. Whether you are seeking additional coverage for yourself or family members, Medicare Supplement policies from ManhattanLife help with the coinsurance costs, copayments and deductibles that are not covered by Medicare, helping keep health care out of pocket expenses to a minimum.
Policies that are standardized and regulated
Medicare Supplement policies are standardized and regulated by the federal and some state governments. So, the benefits for each policy are the same regardless of which company you select. The only difference will be the prices for each policy as well as how a company determines rate increases.