The Best Medicare Supplement (Medigap) Plans in Connecticut
- Connecticut Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Connecticut, including what they might cover and when the best times are to enroll.
Original Medicare (Medicare Parts A and B) pays for certain essential health services, and some people buy a private insurance plan to help pay for certain coinsurance, copays or deductibles Original Medicare doesn't pay for.
Over 43% of Connecticut Medicare beneficiaries are signed up for Medicare Supplement Insurance (Medigap).
Medigap plans cover some out-of-pocket costs you must pay when using Medicare. The specific costs covered depend on the Medigap plan that you choose.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best Connecticut Medicare Supplement Plans?
Medigap plans sold in Connecticut are grouped into 10 letter categories. Because they're standardized, policies in the same category have identical coverage, even if sold by different insurance companies. Carriers set their own premiums, and standardization lets you more easily compare costs.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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All Medicare Supplement plans include basic benefits: coinsurance for Part A hospital stays and hospice care and Part B coinsurance/copays for doctor services, treatments and tests.
The most basic Medigap policy you can buy in Connecticut is Plan A. Other plans offer an additional mix of benefits, such as coverage of:
- Part A deductibles
- Part B deductibles (for those eligible for Medicare before January 1, 2020)
- Emergency care when traveling in a foreign country
- Excess fees payable to a provider above what's approved by Medicare
- Skilled nursing facility coinsurance
Plan N is popular among Medicare beneficiaries because it tends to have lower premiums. It has the same coverage as Plan D but requires a copay of up to $20 for some doctor's visits and up to $50 for some emergency room visits. These small fees help carriers to keep their monthly premiums down.
Many Connecticut residents also opt for Plans F and G, which offer the most substantial Medigap coverage. Plan F pays for the Part B medical deductible, but changes in regulations mean this benefit is no longer available to anyone new to Medicare on or after January 1, 2020. You can choose Plan G for the same coverage without the Part B benefit.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in a Connecticut Medigap Plan?
Medicare Supplement plans can end up costing you more if you join outside of your individual Medigap open enrollment period. Be sure to note this window — it's triggered once you're 65 or older and enrolled in Medicare Part B. It's a one-time enrollment window and lasts only six months.
During your Medigap open enrollment period, you can sign on to the Medicare Supplement plan of your choice in Connecticut without restrictions because of age, health or lifestyle. Insurance carriers are legally required to sell you a policy and can only charge the same premium offered to those in good health.
If you sign up for Medigap outside of this window, you may have fewer choices of plans. Insurers can underwrite your policy and set premiums based on their risk assessment.
If you need to change Medicare coverage because of unusual circumstances, you may be eligible for guaranteed issue rights. These are similar to the protections you have during your Medigap open enrollment period and may apply if your existing insurance carrier goes out of business or no longer participates in Medicare.
You might also have guaranteed issue rights if your Medicare Advantage coverage ends because you moved or you switch back to Original Medicare within a year.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
