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Manhattan Life Medicare Supplement Review

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History of the Manhattan Life Medicare Supplement

Manhattan Life Insurance Company was formed in 1850 and was the first company to institute an incontestable clause, the first to issue a group life contract and the very first insurance company to insure the life of a woman. The original Manhattan Life home office was domiciled accordingly in New York City, and in 1894 was the tallest building in the world. They were known for paying death claims to the widows of the Civil War.

As time went on, Manhattan Life entered the acquisition reinsurance and policy management market now responsible to manage over 700,000 policies. They have worked with other very recognizable companies including UNUM, CIGNA, SAFECO and American General. Today, Manhattan Life and its affiliates including Family Life Insurance Company, Western United Life Assurance and Central United Life produce over 30,000 new work site policies a year.

This company is no stranger to industry accolades including making the Top 100 list of life and health insurers for annuities and accident & health from the National Underwriter. They have also earned a place on Ward’s Top 50 that measures surplus and premiums, annual premium growth, return on total revenue and many more financial stability indicators.

Who Qualifies for the Manhattan Life Medicare Supplement

If you are not in the Medicare Part B Open Enrollment period or a Guaranteed Issue period, then Family life’s underwriting is a key factor that can get you coverage that you may not have been able to get with another company. They will consider the application even if a question is answered YES. One thing that they will not make exceptions for is the guidelines for height and weight.  Talk with our independent agents to see if you qualify.

Manhattan Life offers plans A,B,C,D,F,G,K,L,M and N but some states may differ.  They do not allow double coverage so if you are looking for a Medicare Supplement and not in the Medicare Part B Open Enrollment, you must submit documentation that the other coverage is or will be terminated by the effective date of the Medicare Supplement.  They also do not allow applicants who have Medicaid-QMB to purchase a policy, only Medicaid-SLMB is allowed.  The following are some sample rates in central Ohio.  The rates are some of the best rates for Medicare Supplements. 

Manhattan Life household discount is available in Arizona, Nebraska, Georgia, Nevada, Idaho, North Carolina, Illinois, Pennsylvania, Indiana, South Carolina,Kentucky, Tennessee, Michigan, Texas, Mississippi and Virginia. The household discount is not available in the State of Ohio.

Unlike most other companies, the health questions do not cause an automatic decline if there is any one YES answer.  An exception may be made for certain conditions or yes answers including routine/preventive testing as long as they are not experiencing any symptoms. Protime tests for blood thinners and routine glucose testing is generally accepted, again as long as the test was not ordered because there is a suspicion than something is wrong.

If you have been treated for any of the follow over 2 years ago, Manhattan Life will consider accepting you. These conditions were previously declined before mid 2018.

  • Coronary artery disease
  • angina
  • heart attack
  • cardiac angioplasty
  • bypass surgery
  • stent replacement
  • Cardiomyopathy
  • congestive heart failure
  • aortic cardiac aneurysm
  • peripheral artery disease
  • peripheral venous thrombotic disease
  • vascular angioplasty
  • endarterectomy
  • carotid artery disease
  • Internal cancer leukemia
  • melanoma
  • Hodgkin’s disease
  • lymphoma
  • stroke or transient ischemic attack (TIA)

Applicants who have recently undergone a surgical procedure will be considered if all follow up treatment, therapy and visits have been completed and release from care.

Diabetics who do not use more than 50 units of insulin and are taking no more than two oral medications for diabetes along with no more than 2 medications for high blood pressure with no changes in the doses or medications may be accepted. If you are on insulin, that counts towards one of the two diabetic medications. Those with hypertension will only be considered if their blood pressure readings are 150/85 or lower.

Unisunurable Conditions

Those who are diabetic treated with any number or amount of medication and have Neuropathy, Retinopathy, Glaucoma or Peripheral Vascular Disease, use of an insulin pump or any kidney disease or dialysis will not be accepted. The following is a list of other unacceptable conditions.

Applications should not be submitted if the applicant has any of the following conditions:
Amyotrophic lateral sclerosis (ALS)
ARC (AIDS related complex)
Alzheimer’s disease
Chronic obstructive pulmonary disease (COPD)
Other chronic pulmonary disorders, including:
Chronic bronchitis
Chronic obstructive lung disease (COLD)
Chronic asthma
Chronic interstitial lung disease
Chronic pulmonary fibrosis
Cystic fibrosis
Crippling/disabling arthritis
Diabetes with >50 units insulin per day
Three or more high blood pressure medications (applicable to diabetics only)
Kidney disease with dialysis (ESRD)
Lupus – systemic
Multiple Sclerosis (MS)
Myasthenia Gravis
Organ transplant
Osteoporosis with fractures
Parkinson’s Disease
Senile Dementia
Spinal Stenosis
Other cognitive disorders, including:
Mild cognitive impairment (MCI)
Organic brain disorder

Chronic or regular use of a nebulizer, two different inhalers or oxygen will also cause a decline. In addition certain mediations will not be accepted regardless of the frequency, dose or medical condition it is being taken for. One of the most common types of medications used that cause a decline are narcotics including but not limited to: Fentanyl, Hydrocodone, Oxycodone, Oxycontin, Oxymorphone, Methadone, and Morphine.

Tobacco users are considered a much higher risk, and Manhattan life is more stringent than most companies concerning tobacco use. In order to get the preferred rates, an applicant must be a full 5 years free of any tobacco use to qualify for the preferred rates.

Good news is once a policyholder is tobacco free for the 5 years, and had the policy for at least 12 months, they can apply to be re-rated as a Preferred Non-Tobacco and lower the rates. They must fill out a tobacco questionnaire and provide a written statement from their physician confirming the last date of tobacco use.

Give us a call at 614-402-5160 or use the Customized Quote form to request more details and find out if you would qualify.


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