Medicare Supplements help pay some eligible expenses not paid for by Medicare Part
A and Medicare Part B. There may be charges above what Medicare and your Medicare
Medicare Part A Eligible Expenses for Hospital/Skilled Nursing Facility Care
include expenses for semiprivate room and board, general nursing, miscellaneous
services and supplies.
Medicare Part B Eligible Expenses for Medical Services include expenses for
physician's services, hospital outpatient services and supplies, physical and speech
therapy, and ambulance service.
"Medicare Eligible Expenses" means expenses of the kinds covered by Medicare,
to the extent recognized as reasonable and medically necessary by Medicare.
A Benefit Period begins the first full day you are hospitalized and ends
when you have not been in a hospital or skilled nursing facility for 60 days in
Coinsurance is the portion of the Medicare Eligible Expense you have to pay.
It does not include Part A and B deductible amounts not paid by Medicare.
As Medicare deductibles and coinsurance increase, your Manhattan Life benefits
will automatically increase. Manhattan Life benefits will not duplicate benefits
paid by Medicare.
Benefits are paid to you or to your hospital or doctor.
You have 31 days from your renewal date to pay your premium. Your policy
will stay in force during this 31 day grace period.
Your policy is guaranteed renewable. Your policy cannot be cancelled. It
will be renewed as long as the premiums are paid on time.
You're covered immediately. There is no waiting period for pre-existing conditions.
Benefits will be paid from the time your policy is in force.
Not connected with or endorsed by the United States government or the Federal Medicare
If, for any reason, you are not satisfied, you may return your policy to us within
thirty days after receiving it. If returned, the policy will be void from its beginning
and any premium paid will be refunded, less any claims paid.