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Best Medicare Advantage Plans in Connecticut for 2020

The number of Medicare beneficiaries who have joined the best Medicare Advantage plans in Connecticut for their needs has increased by almost 10 percent in the past year. A Medicare Advantage plan for 2020 may give you additional benefits that Original Medicare won’t provide. In addition, it can help people manage the coinsurance, copays, or deductibles they may have with only Medicare Part A and Medicare Part B. Compare some specific information about the way that Connecticut Medicare Advantage plans work in order to make the best choice.

Best Time to Enroll in Medicare Advantage Plans in Connecticut for 2020

The only real requirement to getting a Medicare Part C plan in Connecticut for 2020 is to have enrolled in Medicare Part A and Part B. Besides qualify for Original Medicare, you also cannot suffer from End Stage Renal Disease ESRD. Otherwise, applicants don’t have to answer health questions to enroll in a typical Medicare Advantage plan in Connecticut.

At the same time, you should consider the timing of your enrollment:

  • Initial Coverage Election Period: When you’re first enrolled in Medicare Part A and Part B, you will get a chance to compare Medicare Advantage plans and enroll in the one you like best.
  • Annual Election Period: You will also have a chance to compare and enroll in a Medicare Advantage plan in Connecticut every year during the Annual Election Period.
  • Special Election Periods: If you lose your prior coverage, move out of town, or have certain other circumstances, you might qualify for Special Enrollment Periods. If your Medicare Advantage provider doesn’t do a contract renewal with Medicare, then you’ll be in a Special Enrollment Period, too.
  • Medicare Advantage Disenrollment Period: This describes a time when you can leave your current Medicare Advantage plan, go back to getting coverage from Medicare Part A and Part B, and select a stand-alone Part D plan from an insurance company. This may be disappearing in favor of an additional Annual Election Period in the future.

When you first join a Medicare Advantage plan in Connecticut, the insurance company should mail or email you an ID card with your name and policy number. Most of the time, a Medicare beneficiary will use this ID card when seeing a care provider instead of the card they got for Medicare Part A and Part B.

This may also offer you more security since you may not want to carry your government identification card around with you. However, you are still protected by and enrolled in Medicare Part A and B.

Best Types of Medicare Advantage Plans in Connecticut for Different Needs

You should remember that one Medicare Advantage plan in Connecticut may work very differently than another. For instance, premiums, deductibles, and network provider rules can vary quite a bit. To help you compare Medicare Advantage plans to find the best one for 2020, consider these popular types of coverage that you might find:

  1. Health Maintenance Organization HMO plans in Connecticut:

    About 86 percent of all people enrolled in a ConnecticutMedicare Advantage plan choose an HMO. These have the most restrictive network rules, but they also usually have lower costs.

  2. Preferred Provider Organization PPO plans in Connecticut:

    PPO plans have about 14 percent of the market share in Connecticut for Medicare Advantage plans. These kinds of Part C plans can give you more choices, but you may pay more for premiums and coinsurance.

  3. Special Needs Plans SNPs in Connecticut:

    Consider Special Needs Plans for Medicare recipients who have to cope with institutional conditions or chronic health conditions.

  4. Dual-Eligible in Connecticut:

    People who have Medicaid and Original Medicare may get a $0 premium and no out-of-pocket costs with this kind of Medicare Part C plan.

Enrollment Statistics for Medicare Advantage Plans in Connecticut for 2020

These are some enrollment statistics for members of Medicare Advantage plans in Connecticut:

  • Percent enrolled in MA plans: 28 percent
  • Total number enrolled: 180,612

These are the top Connecticut counties by population. Most of the Medicare plans that are purchased throughout the state are purchased by Connecticut residents in these counties:

  • Fairfield County, Connecticut: 949,921
  • Hartford County, Connecticut: 895,388
  • New Haven County, Connecticut: 860,435
  • New London County, Connecticut: 269,033
  • Litchfield County, Connecticut: 182,177

Naturally, if you don’t live in one of these counties, you can still shop for health plans. There may be fewer health insurance options for you to choose from in a smaller area, but we can help you shop for your best Medicare Part C plan options in Connecticut for 2020 and will give you a complete description of benefits so that you can buy the best plan Medicare Advantage plan for you.

How Medicare Advantage Plans in Connecticut Covers Prescriptions for 2020

Medicare Part C Plans in Connecticut may offer one benefit that you won’t find in Medicare Part A and Part B. See, Original Medicare only has very limited prescription coverage for certain circumstances. To help pay for the prescriptions that Medicare Part A and Part B don’t cover, it can help to enroll in a Medicare Part C plan that includes Part D. These are called Medicare Advantage Prescription Drug plans.

These are some things to compare in order to help find the best drug benefits for your needs in a Medicare Advantage plan in Connecticut:

  • Formulary: This is what insurance companies call the list of the prescriptions that they will cover.
  • Prescription Drug tiers: Insurers may also have different deductibles or copayments for different classes of prescriptions.

Network Restrictions for a Medicare Advantage Plan in Connecticut for 2020

Original Medicare also doesn’t require a beneficiary to only visit a doctor or hospital within a plan’s network. However, most beneficiaries will join a network-based Medicare Advantage plan in Connecticut. Insurers use these provider networks to help keep costs and premiums lower, but they also may impose some strict rules about using in-network vs. out-of-network providers.

HMO Networks

For instance, an HMO will not cover out-of-network services unless it is an emergency or some other very unusual circumstance. They also require members to visit a PCP, or primary care doctor, in order to get referrals to visit a specialist. In turn, these kinds of Medicare Advantage plans are most likely to have a very low or even a $0 premium.

PPO Networks

PPO plans will cover an out-of-network doctor, hospital, or another kind of medical service; however, they will charge higher rates if you don’t use in-network providers. You also don’t need to pick out a primary care doctor. You may prefer this extra flexibility even if you must pay somewhat more expensive rates.  This is often viewed as the best Medicare Advantage plan option for those that travel frequently or split their time living in various parts of the country.

Other Plan Alternatives

Even though the two types of Medicare Advantage plans in Connecticut listed above are the most popular, there are other options that you can choose, such as a fee-for-service (PFFS) plan. With a private fee plan, the benefits provided by your insurance company are not restricted by Medicare, so your insurance company chooses what it pays and what you pay. There are also savings account plans that pair with high-deductible Medicare Advantage plans, if that is something you’re interested in.

While exploring your options, be aware that you will have to pay the Medicare Part B premium in addition to any monthly premium for your Medicare Advantage plan. If you’d like prescription drug coverage in addition to medical assistance, you can look for a plan that includes a Medicare Part D prescription drug plan.

Top Companies Offering Medicare Advantage Plans in Connecticut for 2020

These are some of the top providers for Medicare Part C plans in Connecticut with the best rates for 2020:

Here are a few changes for 2020:

  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Connecticut will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Connecticut.

Best Connecticut Resources for Medicare Beneficiaries

These are some helpful resources that may give you the information that you need to sign up for and maximize Medicare Parts A and B.

Improving your Medicare coverage is easy with either Medicare Advantage plan in Connecticut or Medicare Supplement insurance. If you’d like to compare the Medicare Supplement plans and Medicare Advantage plans for 2020, one of our experienced insurance agents can help. Use our website or call us today to find the best plan with an affordable monthly premium.