manhattan life medigap review — Manhattan Life Insurance Company has been a fixture in the American insurance landscape since 1850. The company was originally founded in New York City. It even built the first skyscraper in New York back in 1894. Today, ManhattanLife operates from its Houston, Texas headquarters. The company offers Medigap supplement plans in most U.
- Manhattan Life Overview and Financial Strength
- Manhattan Life Medigap Review: Medicare Plan Options
- Manhattan Life Medicare Rates and Enrollment
- Manhattan Life Additional Benefits and Perks
- Manhattan Life Claims Process and Customer Service
- Pros and Cons of Manhattan Life Medicare Plans
- Who Is Manhattan Life Best For?
- Frequently Asked Questions
S. states. It holds an A+ rating from the Better Business Bureau. However, its AM Best financial strength rating sits at B++ (Good). This manhattan life medigap review examines the company’s Medicare Supplement plans, customer service record, and overall value. We will help you decide if Manhattan Life is the right Medigap carrier for your healthcare needs in 2026.
Manhattan Life Overview and Financial Strength
Manhattan Life Insurance Company was incorporated on May 29, 1850. That makes it one of the oldest insurers in the United States. The company relocated its headquarters from New York to Houston, Texas in 2000. David Harris, President of Central United Life Insurance, led the acquisition. Today, ManhattanLife operates as a privately owned and independent insurance company. It has remained in continuous operation for over 175 years.
In terms of financial strength, AM Best upgraded Manhattan Life from B+ to B++ (Good) in November 2022. This upgrade reflected strong operating performance and sustained premium growth. However, the B++ rating still falls two notches below the A- tier. Many financial advisors recommend carriers with at least an A- rating. As a result, this is an important consideration for anyone reading this manhattan life medigap review. According to the Manhattan Life Medigap Review: Medicare Plan Options
Manhattan Life specializes in Medicare Supplement insurance. The company offers five Medigap plan letters: Plan A, Plan C, Plan F, Plan G, and Plan N. It does not sell Medicare Advantage plans, Part D prescription drug plans, or Special Needs Plans. For beneficiaries who want Original Medicare with a supplement, this manhattan life medigap review finds that ManhattanLife focuses entirely on that market. Plan G and Plan N are typically the most popular choices. Plan G covers nearly everything that Original Medicare does not. The only out-of-pocket cost is the annual Part B deductible. In most cases, Plan G offers the best balance of coverage and premium value. Plan N has lower premiums but requires small copays for certain office and emergency room visits. Plan F covers the Part B deductible as well. However, Plan F is only available to beneficiaries who became eligible for Medicare before January 1, 2020. All Medigap plans from Manhattan Life work with any doctor or hospital that accepts Medicare. This nationwide portability is a standard benefit of all Medigap policies. As noted on medicare.gov, Medigap plans are standardized by the federal government. This means a Plan G from Manhattan Life provides the same benefits as a Plan G from any other carrier. The only differences are price, company reputation, and customer service quality. Manhattan Life uses attained-age rating in most states. This means your premium starts lower when you first enroll. However, it increases as you get older. In certain states like Georgia and Arizona, the company uses issue-age rating instead. With issue-age rating, your premium is based on the age when you first purchase the policy. It does not increase due to aging alone. For example, a 65-year-old enrollee in an issue-age state locks in a lower rate for life. ManhattanLife offers two notable discounts. The Spousal Discount applies when both spouses have ManhattanLife Medigap policies. The Household Discount is available to unmarried individuals who have lived together for at least one year. Both discounts range from 7% to 12% depending on the state. These savings can add up significantly over the life of a policy. In most cases, this manhattan life medigap review finds that Manhattan Life’s premiums are competitive with mid-tier Medigap carriers. The best time to enroll is during your Medigap Open Enrollment Period. This six-month window begins the first day of the month you turn 65 and are enrolled in Medicare Part B. During this period, Manhattan Life cannot deny you coverage or charge higher premiums based on health conditions. According to cms.gov, this is a federally guaranteed right. If you apply after this window, medical underwriting may be required. Manhattan Life sells exclusively through licensed insurance agents. You cannot purchase a policy directly online from their website. Because Manhattan Life only offers Medigap supplement plans, it does not provide the extra benefits commonly found in Medicare Advantage plans. For example, there are no built-in dental, vision, or hearing benefits. SilverSneakers fitness membership is not included. You will not find OTC allowances, meal delivery, or transportation benefits with a Manhattan Life Medigap policy. These perks are exclusive to Medicare Advantage HMO and PPO plans. However, this manhattan life medigap review notes that Medigap plans offer their own advantages. The freedom to see any Medicare-accepting provider nationwide is a major benefit. There are no network restrictions or referral requirements. You also avoid prior authorization delays for most services. Many retirees who value provider flexibility and travel often prefer Medigap over Medicare Advantage for these reasons. Additionally, many Medicare beneficiaries also carry a life insurance policy to protect their family. You can compare life insurance rates at Life Insure Guide to find options that fit your retirement budget. Manhattan Life itself also sells life insurance and annuity products. As a result, you may be able to bundle coverage with one company. Typically, bundling does not provide a direct discount on Medigap premiums. However, it can simplify your billing and customer service experience. Manhattan Life’s Medicare Supplement claims process works like most Medigap carriers. In most cases, your healthcare provider files the claim with Medicare first. Medicare then forwards the claim to Manhattan Life for secondary payment. This is called crossover billing. You typically do not need to file claims yourself. However, if manual filing is necessary, you can submit claims through their online Client Services portal. The company also offers an Easy Upload mobile app. This app lets you securely send documents related to your Medigap policy. For phone support, you can reach ManhattanLife at 1-800-877-7703. The Medicare Supplement department can also be reached by email at [email protected]. This manhattan life medigap review found that multiple contact options are available. However, customer satisfaction scores tell a more complicated story. On consumer review sites, Manhattan Life averages approximately 1.4 out of 5 stars. Common complaints include claims processing delays, billing disputes, and communication challenges. The NAIC complaint ratio of 6.91 reinforces these concerns. Retirees should also review their homeowners coverage alongside Medicare choices. You can compare home insurance rates at Home Insure Guide to ensure your full financial picture is protected. Despite the complaints, some customers report positive experiences with Manhattan Life’s application process and agent support. Pros: Cons: This manhattan life medigap review finds that Manhattan Life is best suited for a specific type of Medicare beneficiary. If you want a Medigap Plan G or Plan N and prioritize competitive premiums, Manhattan Life is worth quoting. The company’s spousal and household discounts make it especially attractive for married couples. In most cases, couples can save hundreds of dollars annually by enrolling together. However, this manhattan life medigap review also finds that Manhattan Life may not be the best fit for everyone. Beneficiaries who want a carrier with top-tier financial strength ratings should consider companies with an AM Best A or A+ rating. The elevated NAIC complaint ratio is also a concern. If smooth claims processing is your top priority, you may want to compare Manhattan Life against carriers with lower complaint ratios. Typically, larger national carriers offer more robust digital tools and faster claims turnaround. Ultimately, this manhattan life medigap review concludes that Manhattan Life is a solid mid-tier Medigap option. It works best for price-conscious seniors who are comfortable with a B++ rated carrier. It is also a good choice for those in issue-age states like Georgia and Arizona. Compare quotes from at least three Medigap carriers before making a final decision. Your coverage needs, budget, and comfort level with the carrier’s complaint history should guide your choice. Is Manhattan Life a good company for Medicare Supplement insurance? Manhattan Life is a legitimate Medigap carrier with over 175 years in business. However, its AM Best rating of B++ is below the A- many advisors prefer. As a result, this manhattan life medigap review suggests comparing its premiums and reputation against higher-rated carriers before enrolling. What Medigap plans does Manhattan Life offer? Manhattan Life offers Medigap Plans A, C, F, G, and N. Plan G and Plan N are the most popular options for new enrollees. Typically, Plan G provides the most comprehensive coverage for beneficiaries who became Medicare-eligible after 2020. Does Manhattan Life offer Medicare Advantage or Part D plans? No, Manhattan Life does not sell Medicare Advantage or Part D prescription drug plans. The company focuses exclusively on Medigap supplement insurance. For example, if you need prescription drug coverage, you would need to purchase a standalone Part D plan from another carrier alongside your Manhattan Life Medigap policy. Looking for more Medicare carrier reviews, plan comparisons, and enrollment guides? Browse our complete library of Medicare resources. For verified information on Medicare plans, ratings, and enrollment: Content last reviewed April 2026. If you notice any outdated information, please contact us.Manhattan Life Medicare Rates and Enrollment
Manhattan Life Additional Benefits and Perks
Manhattan Life Claims Process and Customer Service
Pros and Cons of Manhattan Life Medicare Plans
Who Is Manhattan Life Best For?
Frequently Asked Questions
Compare More Medicare Insurance Companies
Official Sources & Resources
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