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Manhattan Life Medicare Supplement Insurance

Manhattan Life Medicare Supplement Insurance

We carry all of the top rated companies offering Medicare Supplemental Insurance and at the top of the list is Manhattan Life. We love the Manhattan Life Medicare Supplement. Not that their supplement is different from any other, but the company stability is what I look for when adding companies to my offerings. Please keep reading for information the company or if you prefer, just call 920-545-4884 for a free quote on a Manhattan Life Medicare Supplement.

Manhattan Life Company History

Manhattan Life Insurance Company was founded in 1850 and made a name for themselves early on by being the first U.S. life insurer to introduce incontestable clauses in their life insurance contracts. These clauses removed the guesswork from the life insurance policies by designating a specific time period when the company could contest the information on an application. After the specified time period (normally two years) has expired, the insurer must pay the death benefit without question.

Manhattan Life also broke traditional ground by issuing the first ever group life insurance policy and being the first ever life insurer to issue a policy to a woman. The insurer also enjoys being awarded a “B+” rating with an outlook rating as “stable” from A.M. Best Rating Services. The company also achieved an “A+” rating from the Better Business Bureau.

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Manhattan Life Medicare Supplements

Although Manhattan Life operates as four separate insurers across the country, each subsidiary entity enjoys the same ratings from A.M. Best and the Better Business Bureau. The subsidiary companies provide multiple insurance products to a very broad market:

Manhattan Life: Offers Medicare Supplement Insurance, Life and supplemental health insurance, and fixed rate annuities.

Western United Life: Offers Medicare Supplement Insurance along with fixed rate and immediate annuity products.

Family Life:  Offers Medicare Supplement Insurance and Mortgage Protection Life Insurance.

Manhattan Life Assurance: Manhattan Life Assurance provides life insurance, group and individual health insurance, and cancer and accident policies.

Manhattan Life Medicare Supplemental Insurance

The Manhattan Life Medicare Supplement Insurance provides coverage for the gaps that are found in traditional Medicare Part A and Part B. Since Medicare was never designed to pay all of the enrollee’s hospital or doctor bills, beneficiaries can purchase Medicare Supplement Insurance (Medigap) to cover the deductibles, copayments, and coinsurance expenses that must normally be paid out-of-pocket.

Medicare Supplement Insurance in Wisconsin

Manhattan Life’s Basic Medicare Supplement Insurance plan designed for the residents of Wisconsin provides the mandatory Basic Coverages along with six additional riders. Where traditional Medicare benefits stop, Manhattan Life’s Medicare Supplement Insurance begins.

Part A Coverage

Part A Deductible – Manhattan Life’s optional Part A Deductible Rider fills in the gap created by traditional Medicare Part A.

Part A Copayment  – Manhattan Life’s Basic Plan picks up the copayment requirement if you are hospitalized for more than 60 days.

Extended Hospital Coverage – If you are hospitalized for more than 150 days during a benefit period, Manhattan Life’s Basic Plan takes care of the expenses that traditional Medicare does not cover.

Blood Benefit – Since traditional Medicare does not cover the costs for the first three pints of blood, the Basic Plan will cover these expenses

Skilled Nursing Facility – Manhattan Life’s Basic Plan will cover the copayment required by traditional Medicare for the 21st through 100th day in a skilled nursing facility

Part B Coverage

Part B Deductible – Manhattan Life’s Optional Part B rider will pay the calendar-year deductible required by traditional Medicare Part B.

Coinsurance – Manhattan Life’s Basic Plan will fill in the coverage hole created by the traditional Medicare Part B 20% coinsurance requirement.

Excess Benefit Rider – If your medical bill exceeds the Medicare Eligible Expense threshold, the Manhattan Life’s Optional Excess Charges Rider will pay 100% of the difference.

Blood Benefit – Manhattan Life’s benefit for blood takes care of the coinsurance and deductible requirement with traditional Medicare Part B.

Additional Benefits

Emergency Care outside the U.S. – After a calendar year deductible, Manhattan Life’s Basic Plan will pay 80% of eligible medical expenses that are incurred during the first 60 days for emergency care provided and received outside the U.S. up to $50,000.

Home Recovery Visits – Manhattan Life’s Basic Plan pays for 40 home recovery visits.  The Optional Additional Home Health Care Rider is an aggregate of 365 visits per year including those covered by Medicare.

If you are interested in a Manhattan Life Medicare Supplement or to compare Medicare Supplement rates in Wisconsin, please call us at 920-545-4884 anytime.  We carry all the top Medigap providers in the state and there is never a fee for our services.

Frequently Asked Questions

What Medicare Supplement plans does Manhattan Life Insurance offer?

Manhattan Life Insurance offers several Medicare Supplement plans, including Plan A, Plan B, Plan C, Plan F, Plan G, and Plan N. The availability of these plans may vary by state.

Are Manhattan Life Insurance Medicare Supplement plans standardized?

Yes, Medicare Supplement plans are standardized by the federal government, which means that each plan provides the same basic benefits, regardless of the insurance company that offers it. However, the premiums and availability may vary by location.

Do Manhattan Life Insurance Medicare Supplement plans cover prescription drugs?

No, Medicare Supplement plans do not cover prescription drugs. However, beneficiaries can enroll in a separate Medicare Part D plan to help cover the cost of their medications.

Can I enroll in a Manhattan Life Insurance Medicare Supplement plan at any time?

The best time to enroll in a Medicare Supplement plan during the initial enrollment period, which is the six-month period that begins on the first day of the month in which you turn 65 and are enrolled in Medicare Part B. After the initial enrollment period, beneficiaries may still be able to enroll, but they may be subject to medical underwriting and may have to pay higher premiums.

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