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 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 Plan G
- 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 2023, the deductible is $2,700. Once you satisfy this deductible, the plan will cover 100% of the costs.
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.
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.
How Much Does Medicare Supplement Insurance Cost in Connecticut?
You’ll spend around $129.00 each month for Medicare Supplement Plans in Connecticut. However, rates vary between providers.
|Plan type||Premium Range|
|Plan F||$180.00 – $300.00|
|Plan G||$117.00 – $220.00|
|Plan N||$90.00 – $200.00|
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.
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.
Connecticut Medicare Resources
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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.