Medicare Supplement Plans in Connecticut

If you’re worried about out-of-pocket costs that come with Original Medicare, consider signing up for one of the 10 Medicare Supplement plans in Connecticut. The plans allow you to limit or eliminate those expenses. Medicare Supplement plans in Connecticut are designed to complement the basic benefits offered by the federal Medicare program.

Medicare Supplement Plan options in Connecticut:

You should compare Connecticut Medigap policies before choosing the best one for your health care needs. It’s important to consider the out-of-pocket costs you will need to cover in addition to the monthly premium to ensure your supplemental Medicare coverage also fits your budget.

Medicare Supplement Plan F

  • Medigap Plan G is the most comprehensive Medigap policy for beneficiaries with any Medicare Part B effective date.
  • Medicare Part B deductible is not covered, but Part A deductible is covered.
  • It also covers Part B excess charges, Part B coinsurance, and foreign travel emergency coverage.

Medicare Supplement Plan N

  • Medigap Plan N offers less comprehensive coverage due to copayments for doctor’s office and emergency room visits. The plan limits copays to a maximum of $20 for doctor visits and $50 for ER visits.
  • Covers the deductible for Medicare Part A but doesn’t cover the deductible or excess charges for Part B.
  • More affordable than Plans F and G.

High-Deductible Medigap Plan F

  • The high deductible Medigap Plan F offers the same coverage as Plan F, but the beneficiary must pay the deductible out of pocket first.
  • Significantly lower monthly premiums compared to standard Plan F.
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

High-Deductible Plan G

  • Offers the same coverage as Plan G, but the beneficiary must pay the deductible out of pocket first.
  • Significantly lower monthly premiums compared to standard Plan G.
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

Top Medicare Supplement Insurance Companies in Connecticut

There are close to 15 private insurance companies offering Medigap plans in Connecticut. The best Medicare insurance company for your Medigap insurance policy will offer the most popular plans at competitive pricing. There are a few insurers that stand out in the market today.

Medicare Supplement Insurance Cost in Connecticut

Medigap premiums vary by zip code and personal factors like age and tobacco usage. For illustration purposes, consider the following rate quotes for a 65-year-old female who doesn’t smoke and lives in Connecticut, zip code 06010.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When Can I Enroll in a Medicare Supplement Plan?

You have three options when enrolling in a Medicare Supplement insurance plan in Connecticut:

  • Enroll during your Medigap Open Enrollment Period. It lasts for six months, starting the month that you sign up for Medicare Part B and start receiving your Social Security benefits. You will receive guaranteed issue rights that ensure your application is accepted and your rates are not dependent on your current health condition or pre-existing conditions.
  • Qualify for a special open enrollment period. If you don’t enroll during your initial open enrollment period, you may later qualify for the same guaranteed issue rights if you have a valid reason for delaying enrollment.
  • Apply outside of your initial open enrollment period without guaranteed issue rights. The insurance company will use medical underwriting to determine your rates and may deny you coverage.

You should enroll in a Medicare Part D plan when you sign up for Original Medicare.

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Connecticut Medicare Resources

Extra Help for Connecticut Medicare Recipients

www.medicare.govCMS: Centers for Medicare and Medicaid Services

Connecticut Enrollment Statistics

These facts will help you begin to explore Medicare and Medicare Supplement insurance plans in Connecticut:

  • CMS reported that over 460,000 Connecticut Medicare beneficiaries were enrolled in Medicare Part A and Part B.
  • Over 150,000 people choose to enhance their Original Medicare insurance with Medigap plans in Connecticut.
  • Over two-thirds of people who bought Medicare Supplement plans in Connecticut opted for Medigap Plan F.