Manhattan Life Health Insurance: What You Need To Know From Customer Reviews

Choosing the right health insurance provider can be tricky. There are so many options to evaluate and weigh against your specific needs. Manhattan Life is one such insurance company that offers various health plans. But are they a good choice?

In this comprehensive guide, we’ll dive into Manhattan Life health insurance reviews to get an inside look at the pros, cons and real customer experiences. You’ll learn key details about their plans and be better equipped to determine if Manhattan Life is a good fit.

Overview of Manhattan Life Health Insurance

First, let’s start with some background on Manhattan Life. They are a subsidiary of the Manhattan Life Group, founded in 1850 and headquartered in Houston, Texas.

Manhattan Life sells major medical, short term, fixed indemnity and supplemental health insurance products. They market policies directly to individuals and also through brokers nationwide.

Some key facts about Manhattan Life

• Rated A- (Excellent) for financial strength by A.M. Best.

• Offer individual and family health plans.

• Utilize Cigna and Aetna provider networks

• Sell plans online and through independent brokers.

• Offer dental, life, disability coverage as well.

Now that we’ve covered the basics, let’s dive into customer reviews to get a real-world perspective.

Manhattan Life Health Insurance Pros

When reviewing Manhattan Life policies, these are some of the most common positives mentioned:

• Low premiums – Many reviewers highlight affordable monthly premiums, especially for short term and fixed indemnity plans.

• Fast application process – Applying is quick and easy with short health questionnaires. No medical exams required.

• No denial for pre-existing conditions – Pre-existing conditions are covered after the initial policy term on short term plans.

• Access to large provider networks – Most plans utilize networks from major insurers like Aetna and Cigna.

• Covers range of services – Doctor visits, ER, hospital stays, preventive care, prescriptions, and more are included.

• Member discounts – Some plans offer discounts for vision, dental, Rx drugs, chiropractors, and alternative medicine.

For simple, temporary, or low-cost coverage, Manhattan Life offers some advantages over competitors.

Manhattan Life Health Insurance Cons

However, based on reviews, there are also numerous downsides to their health plans:

• Limited benefits – Reviews mention low caps on coverage and services. Maximums can be as little as $10,000.

• No out-of-network coverage – Most plans only cover in-network providers. Going out-of-network leads to high bills.

• Pre-existing condition limits – While pre-existing conditions have some coverage after the initial term, reviews suggest claims are still limited or denied.

• Minimal prescription drug coverage – Many plans cap prescription benefits at a couple thousand dollars or lack coverage entirely.

• Difficulty getting claims paid – Multiple reviews cite long delays getting claims approved even when all paperwork is provided.

• Poor customer service – Wait times to contact representatives are extremely long according to reviews. Staff is unhelpful.

• Unexpectedly high bills – Some reviewers report unexpectedly high out-of-pocket costs for services they assumed were covered.

If you have significant medical needs, Manhattan Life plans often fall far short, according to customer feedback.

Specific Manhattan Life Health Insurance Reviews

To provide more insight, here are some examples of actual Manhattan Life customer reviews:

Sarah W. gave 1 star and said:

“I was diagnosed with cancer after paying premiums to Manhattan Life for years. Despite cancer treatment being covered in my plan, they have denied all my claims. Endless appeals and still no coverage. Buyer beware!”

Robin A. gave 1 star and said:

“The claims department is a nightmare. I send the requested paperwork over and over, only to have my claims denied again. Multiple month delays getting anything paid. Go with any other company.”

Mike D. gave 2 stars and said:

“We have their critical illness plan. When I filed a claim for early stage melanoma, they refused to pay saying it wasn’t advanced enough. Make sure to read the fine print!”

Leslie K. gave 3 stars and said:

“We signed up for a Manhattan Life fixed indemnity plan because of the affordable premiums. It works for basic doctor visits but has limits. I’d recommend supplementing with a major medical plan.”

The reviews highlight some potential pitfalls like coverage gaps, claim denials, and poor support. While affordable, limitations abound.

Expert Review of Manhattan Life Health Insurance

Beyond customer feedback, expert reviews provide further analysis of Manhattan Life health insurance:

• A.M. Best: A- (Excellent) financial strength rating. Notes adequate liquidity but also Manhattan Life’s focus on supplemental limited benefit products.

• Consumer Affairs: 1 out of 5 stars based on 29 reviews. Cites useless plans, claim denials, unresponsive service.

• Better Business Bureau: 1 out of 5 stars based on 24 reviews. Many complaints about misleading sales tactics and claims not being paid.

• Trustpilot: 2 out of 5 stars based on 15 reviews. Mixed reviews. Some positive feedback on affordable pricing but many complaints about poor customer service and unfair claim denials.

The expert analysis echoes the customer sentiment – affordable rates but poor service and gaps in coverage.

Is Manhattan Life Health Insurance Right For You?

Manhattan Life can make sense for temporary, basic coverage but likely falls short for comprehensive medical insurance based on reviews.

Consider these questions when weighing Manhattan Life health plans:

• Do you take any expensive prescription medications? Their Rx coverage is often minimal.

• Do you expect to use out-of-network providers? Most plans only cover in-network care.

• Do you have any pre-existing conditions? Check policy limits and exclusions closely.

• Is top-notch customer service important? Many complaints about poor support from Manhattan Life.

• Will you need coverage for more than 90 days? Short term plans have duration limits.

For robust health insurance, the limitations noted in reviews indicate other providers may be better options. But Manhattan Life can provide affordable temporary or supplemental coverage for healthy individuals on a tight budget.

The Bottom Line

Manhattan Life health insurance offers low premiums but many customer reviews suggest actual coverage falls short for more significant medical needs. Pre-existing conditions, prescription medications, and out-of-network care seem to be problem areas. Poor customer service also a frequently cited complaint.

While cheaper than major medical, Manhattan Life’s plans appear to come with frustrating gaps according to reviews. Make sure to read the limitations closely and have realistic expectations before signing up. For comprehensive health insurance, you may want to keep shopping around.