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Manhattan Life Medicare Supplement Plan G 2027: Rates, Reviews and Coverage

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated October 24, 2026

Key Takeaway

Manhattan Life Plan G has the same benefits as Plan G from any company, often at a competitive price with a household discount. Compare it with other companies in your ZIP code and check rate history before you buy.

Manhattan Life doesn’t spend millions on TV ads, so many people have never heard of it. But in many areas it offers some of the lowest Medicare Supplement Plan G prices available. Here is what Manhattan Life Plan G covers, what it costs, how the company stacks up and who it fits best in 2027.

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About Manhattan Life Medicare Supplement

Manhattan Life Medicare Supplement company snapshot: founded 1850, Plans A, C, F, G and N, household discount up to 12%

Manhattan Life is one of the oldest life and health insurance companies in the United States, founded in 1850. Today its Medicare Supplement business is run from Houston, Texas, and is part of the Manhattan Life group of companies.

Depending on your state, your policy may be issued by Manhattan Life Assurance Company of America, Manhattan Life Insurance Company or Western United Life Assurance Company. The benefits are the same no matter which company name is on your policy.

Good to know: Plan G is standardized by federal law. Manhattan Life Plan G pays exactly the same benefits as Plan G from Aetna, Mutual of Omaha or any other company.

What Manhattan Life Plan G Covers

Plan G is the most popular Medicare Supplement plan for new enrollees because it covers almost everything Original Medicare doesn’t. With Manhattan Life Plan G, you pay only the Part B deductible each year, then nothing more for covered care.

✔
Part A hospital deductible and coinsurance
✔
An extra 365 days of hospital care after Medicare runs out
✔
Part B coinsurance, the 20% Medicare doesn’t pay
✔
Part B excess charges from doctors who charge more than Medicare allows
✔
Skilled nursing facility and hospice coinsurance
✔
First 3 pints of blood and 80% of emergency care abroad, up to plan limits

You can see any doctor or hospital in the country that accepts Medicare. There are no networks and no referrals.

Manhattan Life Plans Compared

Plan Part B deductible Part B excess charges Office and ER copays Best for
Plan G You pay Covered None Most new enrollees
Plan N You pay Not covered Up to $20 office, $50 ER Lower premium, fewer doctor visits
Plan F Covered Covered None Eligible for Medicare before 2020
Plan C Covered Not covered None Eligible for Medicare before 2020
Plan A You pay Not covered None Basic coverage at a low price

Most people choose Plan G or Plan N. Plan G costs more each month but leaves you with almost no surprise bills. Plan N saves on premium in exchange for small copays.

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How Much Does Manhattan Life Plan G Cost?

Published estimates put Manhattan Life Plan G at roughly $120 to $190 a month for a 65-year-old non-smoker before discounts. Your actual price depends on:

1
Your age. Manhattan Life generally uses attained-age pricing, so premiums rise as you get older.
2
Your ZIP code. Rates are set by area, and some areas cost much more than others.
3
Gender and tobacco use. Women and non-smokers usually pay less.
4
Discounts. A household discount can take a meaningful amount off each month.

Here is what the household discount can do for a couple who each pay $150 a month for Plan G:

Without Discount

✔$150 a month each
✔$300 a month together
✔$3,600 a year

With 7% Discount

✔About $139.50 a month each
✔About $279 a month together
✔About $3,348 a year, saving $252

Example only, not a Manhattan Life quote. Discount amounts and rules vary by state.

Manhattan Life Discounts and Extras

Manhattan Life Medicare Supplement Plan G plus optional dental, vision and hearing add-on plans

Household Discount

✔Often around 7%
✔Up to about 12% in some states
✔Rules vary by state

Dental, Vision and Hearing

✔Sold as separate plans
✔Extra premium for each
✔Waiting periods may apply

No Networks

✔Any doctor that takes Medicare
✔No referrals needed
✔Coverage travels with you

Many people pair their Medicare Supplement plan with a stand-alone dental and vision plan, since neither Original Medicare nor Medicare Supplement plans cover routine dental or eye care.

Manhattan Life Plan G Reviews: Pros and Cons

What people like:

✔
Competitive Plan G and Plan N prices in many states
✔
More than 175 years in business
✔
Household discount for couples and people who live together
✔
Simple application process with a licensed agent

What to watch:

✔
Smaller company than the big national names, with fewer plan choices
✔
Plan availability varies by state
✔
Online account tools are more basic than some larger companies
✔
Attained-age pricing means premiums rise as you age

Manhattan Life vs Other Medicare Supplement Companies

How to compare Manhattan Life Medicare Supplement Plan G with other companies: price today, rate history, financial strength, service and tools

Because Plan G is the same everywhere, the real comparison is price today, price tomorrow and service. Manhattan Life often wins on starting price. Larger companies may offer more plan choices and more online tools.

Before you choose, compare Manhattan Life with the best Medicare Supplement companies in your area. If you are deciding between the two biggest names, our Aetna vs Mutual of Omaha Medicare Supplement guide shows how they compare.

Check rate history: A low starting price only helps if it stays low. Ask how much Manhattan Life has raised rates in your state over the last few years before you switch.

How to Apply for Manhattan Life Plan G

1
Check your timing. During your Medicare Supplement open enrollment period, you can’t be turned down for health reasons.
2
Get a quote. A licensed agent can quote Manhattan Life next to other companies in your ZIP code.
3
Apply with an agent. Manhattan Life’s application is quick and can be done over the phone.
4
Answer health questions if needed. Outside open enrollment, most applicants must answer them.
5
Keep your current plan until approved. Cancel your old policy only after your new one is in place.

The Bottom Line

Manhattan Life Plan G gives you the same benefits as any Plan G, often at a lower starting price with a household discount. Compare it with other companies and check its rate history in your state, and a licensed insurance agent can do both for you at no cost.

Get your Manhattan Life Plan G quote

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Manhattan Life Medicare Supplement Plan G 2027 — Frequently Asked Questions

➤ Is Manhattan Life a good Medicare Supplement company?

Manhattan Life is one of the oldest insurance companies in the country, founded in 1850. It offers competitive Plan G and Plan N prices in many states and a household discount, though it is smaller than companies like Aetna or Mutual of Omaha.

➤ How much does Manhattan Life Plan G cost?

Published estimates put Manhattan Life Plan G at roughly $120 to $190 a month for a 65-year-old non-smoker before discounts. Your price depends on your age, ZIP code, gender and tobacco use.

➤ What does Manhattan Life Plan G cover?

Plan G covers everything Original Medicare leaves you to pay except the Part B deductible, including the Part A deductible, Part B coinsurance and Part B excess charges. Benefits are the same as Plan G from any company.

➤ Does Manhattan Life offer a household discount?

Yes. Manhattan Life offers a household discount in many states, often around 7% and up to about 12% in some states. Rules and amounts vary by state.

➤ Which Medicare Supplement plans does Manhattan Life sell?

Manhattan Life typically offers Plans A, C, F, G and N. Plans C and F are only for people eligible for Medicare before January 1, 2020, and availability varies by state.

➤ How does Manhattan Life price its Medicare Supplement plans?

Manhattan Life generally uses attained-age pricing, so your premium is based on your current age and goes up as you get older, along with any yearly general increases.

➤ Does Manhattan Life offer dental and vision coverage?

Manhattan Life sells separate dental, vision and hearing plans you can add for an extra premium. They are not part of the Medicare Supplement plan itself.

➤ Can a licensed agent get me a Manhattan Life quote?

Yes. A licensed insurance agent can quote Manhattan Life Plan G next to other companies in your ZIP code and help you apply, at no cost to you.

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This website and the Medicare Supplement insurance plans referenced on it are not connected with or endorsed by the U.S. government or the federal Medicare program. Medicare Supplement (Medigap) insurance is sold by private insurance companies. MedigapWise.com is a website owned and operated by ZRN Health & Financial Services, LLC, a Texas limited liability company and licensed insurance agency. We do not offer every plan or insurance company available in your area; any information we provide is limited to the plans and companies we represent. Plan availability, benefits and premiums vary by state, age, gender, tobacco use, ZIP code and insurance company, and are subject to underwriting where permitted by law. Rates and figures shown on this site may reflect 2026 data and are for informational purposes only; your actual premium will be determined by the insurance company. You must continue to pay your Medicare Part B premium. Medicare Supplement plans are not Medicare Advantage plans and do not include prescription drug coverage. By submitting your information in the form, you agree to this site's privacy policy and expressly consent to be contacted at the number entered in the form (including a wireless number if provided) by licensed insurance agents or other partners offering related products that may be of interest to you, by phone, email or text. You understand that these calls may be generated using an automatic telephone dialing system, a pre-recorded message or artificial voice, or by sending SMS messages. Your telephone company may impose additional charges for such messages. You understand that you are not required to provide this consent to purchase goods or services. Receiving quotes through our website is always free, and you are under no obligation to purchase any goods or services as a result of this request. For information on all of your Medicare options, contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP).