Medicare Supplement Plans in Connecticut

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Connecticut Medicare Supplement Plans have different rules than other states. Understanding Medicare in your area can save you money.

Do you love your doctor? Are the enrollment periods confusing? We have all the answers you need about Medigap plans in Connecticut.

Below we explain how Medicare works and why insurance is essential.

Learn everything you need to know here!

Medicare Supplement Plans in Connecticut for 2020

Over 600,000 residents have Medicare in Connecticut. Almost 40% of those beneficiaries have an Advantage plan. Also, there are more than 25 options for Part D or Advantage plans.

Medicare spending is higher in Connecticut in many other areas of the nation. But, the Medigap consumer protection laws are stronger in Connecticut.

The best plan for your neighbor isn’t likely the most suitable plan for you. Our agents can walk through a needs analysis with you to determine proper coverage.

But first, discover more about Medicare Supplements in Connecticut below!

State Specific Rules

The state of Connecticut has specific supplement rules. For example, doctors can’t install excess charges as they can elsewhere.

Further, Medicare Supplement plans in Connecticut have community ratings. The cost of a policy for a 65-year-old is the same for a 70-year-old.

Supplements don’t include Part D. Some plans offer foreign travel emergency coverage. Further, supplements give you the freedom to see any doctor in America without a referral.

Your personal needs and budget determine policy suitability. For example, if you’re always at the doctor’s, a high deductible option could be a costly choice.

But, if you rarely need doctor care, a High Deductible Plan G could benefit your situation. An agent can help identify the most suitable policy.

The Benefits of Medigap in Connecticut

Let’s say Chad has Medicare and nothing to help him cover the 20% of his medical bills.

Chad doesn’t realize the potential costs. One day Chad has a stroke; the ambulance takes him to the hospital where he accepts inpatient care.

After the stroke, Chad needs to see a specialist and get rehabilitation care. He’s now paying medical bills with his retirement savings.

The Part B deductible applies to ambulance transport; it’s $198 for the year. First, Chad pays 20% of the ambulance and $1,408 Part A deductible. Then, 20% of any remaining inpatient costs.

With rehab and specialist care, Chad’s medical costs become overwhelming. Like, he’s looking at a total of over $10,000 in medical bills.

Now, if Chad has Plan N, he pays little for this whole scenario. Such as the Part B deductible as well as $20 copayments for doctor visits.

Would you rather be Chad with Medigap or without?

Medigap Open Enrollment in Connecticut Year Round

Do you have pre-existing conditions? Is there concern that you won’t qualify for a policy?

Well, in Connecticut, the Medicare Supplement Open Enrollment Period is ALWAYS. During this period, companies must approve your policy.

So, you never need to fear policy denial. You can enroll whenever you want. Also, few companies charge a higher premium for tobacco use.

Those with an Advantage plan need to disenroll to be eligible for Medigap since you can’t have both.

Tip: Looking to change plans? Consulting an agent can save you time and money.

Medicare Eligibility in Connecticut for the Disabled Under 65

Those under 65 in Medicare have access to Medigap plans at the same premium as those over 65. Insurance carriers must offer at least one policy to disabled beneficiaries.

Connecticut demands insurance companies to offer at least Plan A to those under 65. If the company sells Plan C or B, those must also be available to beneficiaries under 65.

Some under 65 find Advantage plans to be a more suitable option. Then, upon turning 65, you have access to all Medigap plans.

Connecticut Medicare Advantage Plans

Medicare Advantage in ConnecticutMedicare Advantage plans are a good option if you can’t afford Medigap. In 2019, 39% of enrollees chose Medicare Advantage.

Aetna Advantage plans in Connecticut have some of the best ratings.

Also, Aetna is an excellent option for those with many doctors. They have an extensive doctor network, including over 8,000 doctors in Connecticut. Further, they partner with over 30 hospitals.

The premiums for all plans in the state range from $0 to $240 a month. An agent can help you decipher which options are most beneficial.

Tip: Don’t judge a policy by the monthly fees.

The Best Medicare Advantage Plans in Connecticut

The best plan for you will have a fair premium and manageable costs. To better compare the value of supplemental coverage to an Advantage plan, let’s use Chad.

If Chad has an Advantage plan when his stroke occurs, he could end up paying more than Medigap.

These plans have lower premiums; but, the restrictions outweigh the benefits. Restrictions include treatment with only in-network doctors, limitations, and cancellation restrictions.

Part C seems more affordable; yet, it tends to have higher costs. Let’s say Chad has Advantage coverage when his stroke experience occurs.

Well, with an Advantage policy, the ambulance would cost a $300 copayment. Then the hospital costs $800 each stay. Also, there are extra fees with labs or tests.

That’s a total of over $1100 for a three-day hospital stay. Then, Chad pays $45 for specialists and 20% of Durable Medical Equipment.

These costs only continue to add up. The Maximum out of Pocket protects you from paying tens of thousands of dollars.

Let’s say Chad’s Maximum is $6,700 for the year. That means the most he can pay on covered services is $6,700.

Once he spends that much, the plan pays services in full. While this is better than Medicare, $6,700 is more than the cost of Medigap for the year.

Medicare Part D in Connecticut

Connecticut Medicare Part D Prescription Drug PlansPart D isn’t part of Medicare or Medigap. You’ll need to buy a policy during the Initial Enrollment Period to avoid a late penalty.

You can get most plans for an affordable premium, such as $15. But, the lowest monthly premium isn’t always the best value.

If Chad enrolls in the Humana $15 a month policy only to pay $110 a month on his medication, the plan is costing him $125.

Now, if Chad talks to an agent, he’ll discover the $45 plan that’s $20 for the same medication. So, Chad pays more each month in premiums to pay less on copays.

You can make Part D changes during the Annual Enrollment Period or if you’re eligible for a Special Election Period.

If your Advantage plan includes Part D, you can make changes during the Medicare Advantage Open Enrollment Period. Plans change each year, prepare to re-evaluate your policy regularly.

Tip: Before you choose a plan, be sure to check the formulary and pharmacy network.

Medicare Savings Programs in Connecticut

Each state has a Medicare Savings Program that helps people with lower incomes. Extra Help can help cover the premiums, deductibles, copayments, and coinsurances.

Qualified Medicare Beneficiaries (QMB) programs vary depending on income.

These extra QMB programs include:

  • Specified- Low Income Medicare Beneficiary (SLMB)
  • Additional Low Income Medicare Beneficiary (ALMB)

All three pay the Part B premium. Those eligible for ALMB must enroll every year as soon as possible because there is only so much funding.

Failure to re-apply could result in a loss of benefits. You must have a low-income to qualify. The Connecticut State Health Insurance Assistance Program “CHOICES” can help you with information.

In some instances, benefits begin up to three months before you apply. So, you could be eligible for three months of back payments from premiums.

Medicare Supplement Plan FAQ’s in Connecticut

How to Apply for Medicare in CT?

Applying is easy! You can go online to Social Security, call, or submit an application in person at a local office.

If you only need Part B, you may need to mail in your application for enrollment form.

How to Verify Medicare Eligibility in Connecticut?

At “,” you can check eligibility, claim status, and more.

How do I Report Medicare Fraud in Connecticut?

Medicare Fraud is a serious issue; contact Medicare immediately! You’ll need some information handy, so prepare yourself for the call.

How to Apply for Medicare Supplement Plans in Connecticut

Many people apply for Medigap over the phone or online. The application is simple; finding your “perfect-fit” plan is the hard part.

You can get a Medicare Supplement Plan in Connecticut by calling us at the number above. We can teach you about insurance and help you find the best route for you.

Don’t wait until it’s too late; our advice is always free. Then, when you choose us, we are here for you long after your enrollment!

Give us a call at the number above and see why millions of Americans use an insurance agent to get the best plan. You may be overpaying for a policy, or missing out on extra benefits.

Call us today to enroll in the most suitable plan for you. If you can’t call now, fill out our online rate form and get one step closer to your best Medigap plan.