Manhattan Life Medicare Supplement 2025 – Plans & Rates

Navigating the details of Manhattan Life Medicare Supplement 2025 can be challenging. Our clear-cut guide presents the essential updates and plan options you need to know, helping you understand what’s new and how it can affect your coverage choices and costs. We’ll help you explore the Medigap solutions that Manhattan Life offers for 2025.

Key Takeaways

• Manhattan Life’s Medicare Supplement insurance for 2025 has expanded its product line with products like Dental, Vision, & Hearing; Cancer/Heart and Stroke; Short-Term Medical; Home Health Care; and Final Expense Life Insurance, catering to the unique needs of seniors.
• Medicare Supplement plans from Manhattan Life, such as Plan A, C, F, G, and N, offer various levels of coverage to help with costs not covered by Original Medicare, and plans like Plan F and G provide comprehensive benefits, including foreign travel emergency costs.
• Eligibility for Manhattan Life’s Medicare Supplement insurance requires residency in an applicable state, enrollment in Medicare Parts A and B, and being aged 65 or over, or under 65 with a disability in some states, with the ideal enrollment time during the Medigap Open Enrollment Period.

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Manhattan Life continues to emphasize its Lighthouse Series of senior products in 2025, focusing on Medicare Supplement insurance designed to fill the coverage gaps left by Medicare Part A and B. This commitment to comprehensive coverage ensures that seniors can navigate their healthcare journey with confidence.

In addition to its standard Medicare Supplement, Manhattan Life has introduced several additional senior-focused products in its Lighthouse Series for 2025. These include:

• Dental, Vision, & Hearing
• Cancer and/or Heart and Stroke
• Short-Term Medical
• Home Health Care
• Final Expense Life Insurance

These enhancements provide seniors the opportunity to request a plan that meets their unique needs and preferences.

What’s New in 2025?

Manhattan Life’s Lighthouse Series for 2025 includes additional senior-focused products such as:

• Dental, Vision, & Hearing
• Cancer and/or Heart and Stroke
• Short-Term Medical
• Home Health Care
• Final Expense Life Insurance

These new offerings ensure that seniors have access to comprehensive and effective healthcare coverage every day.

Plan Options and Features

Manhattan Life’s Medicare Supplement policies are standardized and regulated by federal and some state governments, ensuring consistent benefits across different companies. This standardization allows policyholders to confidently select from various types of Medicare Supplement coverage to suit their individual needs, with options for additional benefits for hospitalization and other medical expenses.

One of the standout features of Manhattan Life’s Medicare Supplement policies is that they permit policyholders to retain the choice of their doctors and hospitals. This flexibility to see any Medicare-contracted physician at any Medicare-contracted facility gives seniors the freedom to choose their healthcare providers, making these policies an excellent choice for those who value autonomy in their healthcare decisions.

Manhattan Life Medigap Plans

Manhattan Life’s Medicare Supplement plans are designed to cover out-of-pocket costs not covered by Original Medicare like deductibles, co-payments, co-insurance, and services like medical care when traveling outside of the U.S. This comprehensive coverage can significantly ease the financial burden of healthcare costs for seniors.

Manhattan Life offers a variety of Medigap plans, including:

• Plan A
• Plan C
• Plan F
• Plan G
• Plan N

Each plan offers unique coverage benefits, allowing seniors to select a plan that best suits their healthcare needs and financial situation.

For example, Plan N covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up and 100% of Part B coinsurance, except for certain office visits and emergency room visits.

Medicare Plan F

Medicare Plan F, also known as Medigap Plan F, is considered the most comprehensive Medigap plan, covering nearly all Medicare Part A and Part B costs, resulting in minimal out-of-pocket expenses. With coverage for:

• Part A coinsurance and hospital costs
• Part A hospice care coinsurance or copayments
• Part A Nursing Facility Care Coinsurance
• Part A deductible
• Part B coinsurance or copayments
• Part B deductible
• Part B excess charges
• The first three pints of blood
• 80 percent of foreign travel emergency costs

Plan F offers extensive coverage.

However, as of January 1, 2020, Medigap Plan F is not available to new enrollees but remains available to those who were eligible for Medicare before 2020. For those who are eligible, it’s important to note that the ideal time to enroll in a Medigap plan like Plan F is during the Medicare Supplement Open Enrollment Period when beneficiaries cannot be denied coverage for pre-existing conditions.

Medicare Plan G

Medicare Plan G is another popular option among Manhattan Life’s Medicare Supplement plans. Plan G covers 100% of Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up. It also offers full coverage for Part B coinsurance or copayment.

One of the standout features of Plan G is its foreign travel exchange coverage, which typically covers 80% of the costs for emergency medical care when traveling outside the U.S. This feature makes Plan G an excellent choice for seniors who frequently travel abroad. Additionally, a high-deductible option for Plan G is available in some states, allowing for lower premiums with a higher deductible.

Medicare Plan N

Medicare Plan N is a flexible option that offers extensive benefits. It covers:

• Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
• Part B coinsurance or copayment (except for certain office visits and emergency room visits)
• Blood (first three pints)
• Part A hospice care coinsurance or copayment
• Skilled nursing facility care coinsurance
• 80% of foreign travel exchange up to plan limits.

However, Plan N requires a copayment of up to $20 for some office visits and up to $50 for emergency room visits that do not result in an inpatient admission.

Eligibility and Enrollment

To be eligible for Manhattan Life’s Medicare Supplement insurance, applicants must:

• Be residents of a state where the policy is applicable
• Be enrolled in Medicare Parts A and B
• Be either aged 65 or over or under age 65 with a disability in some states

The ideal time to enroll is during the Medigap Open Enrollment period, a 6-month window that begins once an individual is both 65 years old and enrolled in Original Medicare Parts A and B, allowing for enrollment without health questionnaires.

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the Manhattan Life Medicare Supplement in 2025, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.