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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.

What is the best Medicare Supplement Plan 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 2022, the deductible is $2,490. 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 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.

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.

Average Costs of Medicare Supplement Plans 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.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$208.00 - $428.72
Plan N$169.00 - $275.04

Who sells 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

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.
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