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Best Medicare Supplement Plans in Connecticut 2021

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.

What are the Top 5 Medicare Supplement Plans 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 that you will need to cover in addition to the monthly premium to ensure your supplemental Medicare coverage also fits your budget.

Start comparing now with these details for the top five Medicare Supplement plans in Connecticut.

1. Best for full coverage: Medicare Plan F

  • Plan F is most comprehensive of all plan options available in Connecticut.
  • Eligibility is limited to beneficiaries enrolled in Medicare Part B prior to January 1, 2020.
  • Benefits cover Part A deductible, Part B deductible, Part B excess charges, Part B coinsurance, and foreign travel emergency care coverage.

2. Best comprehensive plan: Medicare Plan G

  • Plan G is 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.
  • Also covers Part B excess charges, Part B coinsurance, and foreign travel emergency coverage.

3. Best value: Medicare Plan N

  • 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.

4. Best deductible plan: High-Deductible 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 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

5. Best for lowest premiums: 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 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

What is the Best Supplemental Insurance to go with Medicare

Enrolling in a Medicare Supplement insurance plan in Connecticut is a personal process. The first step is to compare medical coverage and rates for all plan options in your zip code. Your best pick is the Medigap policy that simplifies your medical coverage and ensures you can see a doctor without financial stress.

What is the most popular Medicare Supplement plan in Connecticut for 2021?

Medicare Plan F was the most popular Medigap plan in Connecticut and many other states. Now that it is has eligibility restrictions and isn’t open to new Medicare beneficiaries, Plan G is the most popular with beneficiaries looking for full medical coverage.

Which plan has the best benefits in Connecticut?

If you want to pay one monthly premium and eliminate out-of-pocket costs, Plan F or G will work best. If you can afford to pay the Medicare Part B deductible out of pocket plus small copays when you visit the doctor, Plan N is worth considering.

No Medigap plan in Connecticut offers prescription drug coverage. You can sign up for a Medicare Part D plan.

How do I choose the best plan?

Select the Connecticut Medigap plan that allows you to see a doctor as needed without financial concerns. Answering the following questions will help:

  • How often do you typically visit a doctor’s office or emergency room?
  • Is it more important to you to eliminate out-of-pocket costs or keep your monthly premium low?
  • Do you travel outside of the United States?

If you need further guidance, our Policy Guides can help you find the best Medicare Supplement insurance plan in Connecticut.

Which Medigap company offers the best rates in Connecticut?

Medicare insurance companies set rates by zip code. Once you know which plan you want to select, you can compare rates online to find the cheapest company in your area. If pricing will make the final determination between two plans, compare rates for both plans in your zip code.

What is the Average Cost for a Medicare Supplement Plan in Connecticut for 2021?

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.

  • Medicare Plan G – $208.00 – $428.72 monthly range; $289 monthly average
  • Medicare Plan N – $169.00 – $275.04 monthly range; $224 monthly average
  • High-Deductible G – $55 – $77.36 monthly range; $66 monthly average

Common Connecticut Medicare Supplement Plan Questions

What Companies Sell Medigap Plans 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.

  • Cigna
  • Aetna
  • Mutual of Omaha

When Can I Apply for a Connecticut 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.

Which is better, Medigap Plan G or Plan N?

Both plans will require you to pay for a Part D prescription drug plan separately. They both extend your Medicare benefits in helpful ways, but Plan G offers more comprehensive coverage. Plan N requires you to pay small copays at the doctor’s office and emergency room, but there are no copays with Plan G.

What is Medicare Supplement Insurance?

Medicare Supplement insurance plans work with Original Medicare to cover more of your medical expenses. You pay a monthly premium instead of worrying about Part B excess charges, coinsurance, copayments, deductibles, and other out-of-pocket costs.

You can enroll in a supplemental insurance policy by working with a licensed insurance agent. The policies are issued by private health insurance companies authorized to sell Medigap plans in Connecticut. Each plan offers the same basic benefits regardless of the insurer.

Is Plan G the Best Medigap Plan in Connecticut?

How Much Does Plan G Cost in CT?

Medigap premiums vary by zip code and other personal factors. In Connecticut, there is often little to no difference in pricing from one area to the next.

For example, a female nonsmoker at age 65 will pay an average of $289 per month for Plan G Medicare coverage when living in zip codes 06010, 06078, 06077, and 06084.

What is the Plan G Deductible in 2021?

There is no deductible for Medicare Plan G. This supplemental plan covers the Medicare Part A deductible for you, but you will need to pay the Part B deductible out of pocket. For 2021, the Part B deductible is $203.

What does Medigap Plan G Cover in Connecticut?

Related Topics

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 process of plan selection. We work closely with some of the nations 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Connecticut Medicare Resources

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.
Key Take Aways
  • There are 10 Medicare Supplement Plans in Connecticut to choose from.
  • In Connecticut, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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