Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement Plans

Manhattan Life is a Top Medicare Supplement insurance company . It offers the following Medigap plans: A, C, F, G, and N. Manhattan Life’s Medicare Supplement Plans offer you the following benefits.

Medicare Part A Hospital Coverage

Manhattan Life Medigap Plans cover Medicare Part A hospital coinsurance costs. For example, if you get into a vehicle accident, you may need hospitalization. Original Medicare only covers 80% of your hospital costs. However, every Manhattan Life Medigap plan pays your 20% coinsurance costs which include the following hospital costs:

  • Manhattan Life pays $176 coinsurance in 2020 for days 21 thru 100 in a skilled nursing facility on Medigap Plans C, F, G, and N. However, only the first twenty days are covered by Plan A. 
  • Manhattan Life pays $352 coinsurance in 2020 for days 61 thru 90 in a Long-Term Care Hospital (LTCH). These thirty days in an LTCH adds up to over ten-thousand dollars in benefits. 
  • With a Manhattan Life Medigap plan, the hospital covers the first three pints of blood.

Moreover, Medicare Part A also covers mental health services up to 190 days in a psychiatric hospital. Now that you know what hospital services are covered, how much is the Part A hospital deductible for Manhattan Life Medigap Plans?

Medicare Part A Deductible

All Manhattan Life Medigap plans pay the $1408 Part A hospital deductible except Plan A. In other words, Manhattan Life Plans C, F, G, and N all cover 100% of Part A deductible. Now you know the hospital services and costs covered by Manhatten Life. Next, let’s look at Part B medical services and costs.

Medicare Part B Medical Coverage

All Manhattan Life Medicare Supplement plans cover Part B coinsurance. For example, if you are one of the 34.2 million Americans with diabetes, Medicare Part B covers eye exams for diabetic retinopathy. Original Medicare only pays 80% of the Medicare-approved amount for the service of your ophthalmologist. However, Manhattan Life Medigap Plans cover the other 20%. Furthermore, you must pay $198 Part B deductible in 2020, unless you have Plans C or F. 

Glaucoma Testing
Glaucoma testing covered by Medicare Part B

Moreover, Manhattan Life Medigap Plans also cover glaucoma tests once every 12 months if you are at high risk for glaucoma. Anyone with the following medical conditions is high-risk and can get glaucoma tests:

  • You have diabetes.
  • You have a family history of glaucoma.
  • Any African American age 50 or older.
  • Any Hispanic age 65 or older.

Furthermore, Manhattan Life medical services cover the following preventive services:

  • Manhattan Life pays 20% coinsurance when colorectal cancer screening discovers the presence of abnormal tissue (polyp), and the doctor removes a sample for later examination.
  • Manhattan Life pays 20% coinsurance to diagnose and treat your mental health after you pay $198 Part B deductible in 2020 (except for plans C and F). 
  • For men over the age of 50, Manhattan Life pays 20% coinsurance for prostate cancer digital rectal exam after you pay $198 Part B deductible (except plans C and F).

Manhattan Life Medigap Plans C and F pay your $198 Part B deductible. All Manhattan Life plans have specific coverage benefits and costs. First, let’s look at Plan N.

Manhattan Life Supplement Plan N

Manhattan Life Medigap Plan N pays 100% of the following Part A benefits:

  • Part A hospital, hospice care, and skilled nursing facility coinsurance
  • Part A $1408 hospital deductible in 2020
  • First three pints of blood as a hospital inpatient

Furthermore, Manhattan Life Plan N covers the first three pints of blood as a hospital outpatient under Medicare Part B. Moreover, 100% of Part B coinsurance is covered by Manhattan Life Plan N expect in the following cases:

  • Outpatient visits to a medical facility (doctor’s office) will require you to pay up to $20 per visit
  • Outpatient emergency room visits will cost you $50 copayment

Finally, Manhattan Life Plan N covers 80% of Foreign Travel Emergency. So now you know what is covered by Manhattan Life Medigap Plan N. So what doesn’t Plan N cover?

What is not covered by Manhattan Life Plan N?

Manhattan Life Medicare Supplement Plan N does not cover the annual part B deductible of $198 in 2020. Furthermore, it does not include Part B excess charges. As a result, you must pay $198 Part B deductible once per year before Manhattan Life covers any medical services. So that’s what Manhattan Life Medigap Plan N does not cover. How does Plan N compare to other Manhattan Life Medigap Plans?

Compare Manhattan Life Medicare Supplement Plans

You can use the chart below to compare Manhattan Life Medigap Plan side-by-side. The benefits marked by X are not covered. However, fully covered benefits show 100%. Partial benefits on Foreign Travel only include 80% coverage. This chart can help you quickly compare the benefits of Manhattan Life Medicare Supplement plans. Furthermore, you can download this chart for future reference. 

Manhattan Life Medigap Plans Infographic
Click on Manhattan Life Medigap Plans chart to download or embed

Manhattan Life Medicare Supplement Plans C and F

Starting on January 1, 2020, Medigap plans sold to “new people” are not allowed to cover the Part B deductible. As a result, people newly eligible for Medicare in 2020 are not allowed to buy Plans C or F. If you were eligible before January 1, 2020, or already have Plans C or F, you can keep your plan. In this latter case, Manhattan Life Plan C and F pays your Part B deductible of $198 in 2020. However, only Plan F pays Part B excess charges. Manhattan Life Plan G is similar to Plan F.

Manhattan Life Medicare Supplement Plan G

Manhattan Life’s Medigap plan G has the same benefits of Plan F, except you pay the $198 Part B deductible once per year. When you compare the monthly premium saving on Plan G compared to Plan F, you can save hundreds per year. That is why Senior Healthcare Direct calls Plan G the “greatest value.” You can find out how much you can save on Plan G by shopping for the best price at 1-855-368-4717.

Shop and Compare Medigap Plans

You can shop and compare Medigap Plans with the best prices by using the free services of a Medicare insurance broker. Senior Healthcare Direct can shop and compare Medigap Plans with 30+ A-rated carriers, including Manhattan Life, Bankers Fidelity, Cigna, State Farm, Anthem Blue Cross, and Transamerica. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button.

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