Connecticut Medicare Supplement plans have different rules than other states regarding when you can enroll. These rules are very beneficial for all residents who are eligible for a Medigap plan.
Year-Round Medigap Open Enrollment in Connecticut
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. All carriers must approve your policy, regardless of when you apply.
So, you never need to fear policy denial. You can enroll whenever you want.
Medigap Premiums in Connecticut for the Disabled Under 65
Those under 65 have access to Medigap plans at the same premium as those over 65. That is NOT the case for most states. In other states, a beneficiary under 65 that’s eligible for Medigap could pay as much as 4x more in monthly premiums compared to those over 65.
Next, we’ll discuss other supplemental Medicare options, like Medicare Advantage and Part D.
Connecticut Medicare Advantage Plans
Aetna Advantage plans have some of the best ratings in Connecticut.
Aetna is an excellent option for those with many doctors.
They have an extensive doctor network, including over 8,000 doctors.
Further, they partner with over 30 hospitals in the state.
The premiums for all Advantage plans in the state range from $0 to $240 a month.
If you’re considering enrolling in a Part C plan, you’ll need to check doctor networks, drug coverage, and all the fine details to ensure it’s really the best value option for you.
For those with chronic issues or those with Medicaid, a Special Needs Plan may be more suitable.
Medicare Part D in Connecticut
Part 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.
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.
Medicare Savings Programs in Connecticut
Qualified Medicare Beneficiary’s 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.
How to Apply for Medicare in Connecticut
The application process is simple; finding your "perfect-fit" plan is the hard part. You can get a supplement plan by calling us at the number above. When you choose us, we are here for you long after your enrollment. 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 getting comprehensive healthcare coverage.