Best Medicare Plans in Connecticut
Medicare in Connecticut is a government program that provides healthcare coverage for seniors who are 65 years of age or older. Some people who are younger than 65 are also Medicare eligible to be enrolled in Original Medicare Part A and Medicare Part B, such as those who have certain health conditions or who have been on disability for at least two years. If it’s almost time for you to sign up for Medicare in Connecticut, you might have a lot of questions. Hopefully, this guide can help you out with learning about Medicare and Medicare health plans.
Overview of Medicare in Connecticut
First of all, you have to understand what Medicare in Connecticut is. Original Medicare insurance refers to Medicare Part A and Medicare Part B. Medicare Part A, which most Connecticut beneficiaries don’t have to pay a monthly premium for, is hospital insurance that helps cover inpatient hospital costs for Medicare beneficiaries in Connecticut. Medicare Part B, on the other hand, does require Connecticut beneficiaries to pay a premium. It is a type of medical insurance.
Original Medicare does provide great coverage, but there are still deductibles, coinsurances and copayments to worry about. Luckily, you can enhance your Connecticut Medicare benefits with one of the Medicare plans in Connecticut. We’re here to help you learn about your options for Medicare plans in Connecticut and even to help you compare rates and benefits for these plans.
Enrollment Statistics for Medicare in Connecticut
If you’re curious about Connecticut Medicare insurance, consider these interesting enrollment statistics for your state:
- In 2018, there were a total of 679,355 Medicare beneficiaries in Connecticut.
- Out of those Connecticut beneficiaries, 233,139 had Medicare Advantage plans.
- Many people in Connecticut who don’t have Advantage look for Medicare Supplement insurance plan options to enhance the benefits of the Medicare program. You may want to do this to reduce your health care expenses for medical services, too.
Best Types of Medicare Plans in Connecticut
You may know that you want to enhance your Connecticut Medicare benefits. What you might not know is what type of Connecticut Medicare insurance plan you want to sign up for. These are your options as a beneficiary of Medicare:
- Medicare Supplement Plans in Connecticut – Beneficiaries of these plans, which are also known as Medigap plans, can use their benefits in addition to their Original Medicare coverage through Parts A and B. There are 10 Supplemental Medicare plans in Connecticut that you can choose from. These plans help cover the gaps that are left behind by Medicare Part A and Part B. You still have to pay the Medicare Part B premium in addition to the premium for your standard or high deductible Supplement health insurance plan. You can visit your favorite health care providers without the network restrictions of HMO or PPO plans, and you can save a lot on healthcare costs when you need medical assistance if you have one of these plans.
- Medicare Advantage Plans – Unlike Supplements, these plans are designed to basically replace your Original Medicare insurance, although you will have to sign up after your Medicare enrollment. Also known as Medicare Part C, these plans are typically available as an HMO or PPO with network restrictions. Additional wellness benefits and dental, vision and hearing coverage are often included. Some plans include Medicare Part D prescription drug coverage in their rates, so look at a complete description of benefits and compare Advantage plans before signing up if you want this coverage. Also, be aware that you can’t easily change plans; however, you can change plans during certain situations, such as if your insurance company doesn’t do a contract renewal with Medicare later on.
- Medicare Prescription Drug Plans – Part D – If you aren’t covered by a prescription drug plan through your Advantage plan, then you’ll need to sign up for a stand-alone plan. Don’t wait to look into Part D plans from companies with top star ratings, or you could be subject to a Medicare Part D late enrollment penalty.
- Special Needs Plans – As the name suggests, SNPs are designed for those who have special healthcare needs, such as people who have end-stage renal failure. These are special types of Medicare Part C plans. If you are wondering if you might need this type of plan, you should talk to a licensed insurance agent for more information.
Connecticut Medicare Resources
If you want to know more about Medicare in Connecticut, it’s best to check out these helpful resources. You can learn a lot, and you may even find out about financial assistance that you might qualify for:
- Medicare Savings Program for Connecticut Residents
- Husky Healthcare (Medicaid)
- CMS: Centers for Medicare and Medicaid Services
If you want to enhance Medicare in Connecticut and don’t know how to start, we can help, whether you’re in your Medicare Initial Enrollment Period or not. You can check out a Medicare Supplement plans comparison chart on our website, and we can help you get Medicare Supplement plan quotes from each insurance company. Then, you can find the best plan with the most affordable premiums without having to do it all alone.