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Medicare Supplement Plans in Connecticut

Also called Medigap, Medicare Supplement Insurance in Connecticut is an important supplemental insurance plan to have. This Medicare coverage helps to fill in the gaps that Original Medicare doesn’t. Original Medicare is made up of Part A and Part B.

Part A: Hospital Insurance
Part B: Medical Insurance

With a Medigap plan in Connecticut the following will be covered:

– Medical expenses
– Supplies related to healthcare
– Copayments
– Deductibles
– Coinsurance

There are 5 plans that are the best supplemental insurance in Connecticut, and they are Plan F, Plan G, Plan N, High Deductible Plan F, and High Deductible Plan G.

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Medicare Supplement Plan F

Medicare Plan F has the most comprehensive benefit level in Connecticut
– Must have joined Medicare before 1/1/20
– Plan F includes both Medicare Part A deductible and Medicare Part B deductible

Medicare Supplement Plan G

Medicare Plan G is the Medigap Plan in Connecticut to have
– Most comprehensive coverage for a beneficiary who starts after the effective date of 1/1/20
– This plan is even good for beneficiaries with pre-existing conditions.
– When compared to Plan F, Plan G is more affordable

Medicare Supplement Plan N

Medigap Plan N does not cover Part B deductible
– Does not cover Part B Excess Charges
– Requires a copay up to $20 for doctors visits and up to $50 for ER

High Deductible Medigap Plan F

– Annual deductible that will need to be paid before coverage starts
– The deductible allows for affordable monthly rates

High Deductible Medigap Plan G

– Like Plan F with an annual deductible to be met prior to coverage
– Reduced monthly rates like the high deductible Plan F

Medicare Supplement Insurance cost in Connecticut

The average cost will depend on community ratings, issue age, and attained age. Community rating is priced for beneficiaries of all ages, whereas issue age is based on the age at purchasing. As for attained age, premiums will increase as the Medicare beneficiary ages.

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

When can I apply for a Connecticut Medicare Supplement plan?

You can apply within the 6 month Medigap Open Enrollment period. This will be the best time to gain your Medicare benefits. During this enrollment period, pricing and plan options from a Medicare insurance company are better.

When you are 65 or older, your enrollment begins when you have Part B. It can’t be changed or repeated. Upon turning 65, your enrollment begins on the first day of the month of your birthday. This period is six months long. Enrollment with Part B will be needed.

If you are under 65, you may not be able to enroll. However, if you have a disease or syndrome, you will qualify for Medicare under the age of 65. Some states are required to sell Medigap policies, but these plans generally cost more.

Annual Election periods do not apply to Medicare supplement plans. They only apply to Part D Plans, Medicare Advantage, Aging into the Federal Medicare Program, Retiring from group coverage, or Losing a Medicare Advantage plan.

If you are receiving Social Security, the SSA will automatically sign you up and handle your enrollment for Medicare Part A and Medicare Part B at the age of 65. The Federal Medicare Program is operated by the federal Centers for Medicare & Medicaid Services.

Note: You have guaranteed issue rights, so an insurance company can’t refuse to sell you a Medigap policy, especially if a Medicare Advantage Plan leaves Medicare or stops providing in your area or you move out of the plan’s service area.

FAQ:

When can I change Medigap plans?

Changing Medigap plans can be done any time of the year. If you apply outside of your initial enrollment period you can be denied or have your rates increased due to medical issues. However, with Medigap plans, you are free to try out a plan and change any time you would like.

Can I be denied Medigap coverage?

No. In Connecticut, you cannot be denied coverage for a Medicare Supplement insurance policy unless you are outside of an enrollment period. Even then, you may be accepted at a higher premium by the insurer.

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Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Connecticut State Links

Key Take Aways
  • Medicare Supplement plans in Connecticut for 2022 offer coverage to pay for the costs not paid by Original Medicare.
  • There are 10 Medicare Supplement Plans in Connecticut to choose from.
  • In Connecticut, Medicare Supplement Plan G is the most popular plan for 2022.