Boomer Benefits works with a variety of Medicare Plans, including Connecticut Medicare Supplements and Medicare Advantage options. If you are new to Medicare, check out our New to Medicare page. You can learn the basics there, and you can also sign up for our 6-day email mini-course for people new to Medicare.
It’s helpful to learn how your Original Medicare benefits work before you start reviewing your Medicare supplement plan options.
Connecticut Medicare Supplements
Medicare Supplements in Connecticut are the same as most other states. Medicare Supplements are standardized so that you can compare them easily. Plans A, B, C, D, F, G, K, L, M, and N. There is also one high deductible Medigap option.
Please note that after 2020, Plan F and Plan C will only be available to people who have Part A before January 1, 2020. Anyone who has Plan F or Plan C will be able to keep it for years to come. However, if you aren’t eligible for Part A until 2020 or later, then you will not be able to get Plan F or Plan C.
Connecticut Medicare supplements fill in the gaps in Original Medicare. Your Part A and Part B have deductibles, copays, and coinsurance that you will pay if you do not have Medigap coverage.
Medicare also only covers about 80% of your outpatient expenses. This includes things like doctor visits, lab work, diagnostic imaging, ambulance rides, surgery, chemotherapy/radiation, and dialysis. No one wants to pay 20% of these items, which could be thousands of dollars.
Fortunately, you can buy a Connecticut Medigap plan to cover these items for you. Plans F, G, and N are very popular nationwide.
Medigap Plan N
Plan N may be a good fit for some Connecticut residents with particularly low incomes. Residents whose income is low enough to qualify them for CONNMAP/QMB, etc., will avoid excess charges because the law does not allow doctors to balance bill people in this group.
Plan N premiums are cheaper because you agree to pay your own Part B deductible, doctor copays, and excess charges. CONNMAP members would not need to worry about excess charges unless you treat out of state.
At Boomer Benefits, we have a powerful quote engine which can compare all of the plans from all of the insurance companies we represent. We can tell you who has the lowest rate for the Connecticut Medicare supplement that you want. We can also review their rate increase histories and financial ratings so you can make a wise choice.
Connecticut Medigap Open Enrollment – Year Round
In most states, when you first enroll in Medicare Part B, you will have a 6-month open enrollment window. This is a ONE-TIME window that expires after 6 months. During this window, you can enroll in any Medigap plan without having to go through medical underwriting. This means that you won’t be denied due to pre-existing conditions.
However, in Connecticut, they offer year-round open enrollment for Connecticut Medigap plans. There is no medical underwriting ever, so you can sign up for one at any time and know that you’ll be approved.
Connecticut Medicare Advantage Plans
Medigap plans can get on the expensive side. A less expensive alternative is a Medicare Advantage plan. This type of plan usually has a lower monthly premium than Medigap plans. Keep in mind that no matter which type of plan you get, you will still have to pay your Part B premium.
While Medicare Advantage plans are less expensive up front, they can be expensive on the back end. This is because you pay copays and coinsurance as you go to the doctor or the hospital. This is why they are able to charge less expensive premiums than Medigap plans.
If you’re someone who goes to the doctor often or has a chronic medical condition, Medicare Advantage plans may not be the best fit for you. You may find that a more expensive Medigap plan saves you money in the long run.
Common Questions About Connecticut Medicare:
Connecticut has some unique rules when it comes to Medicare Supplements. Here are the most common questions we get about Medicare in Connecticut.
Connecticut has a year-round Medigap Open Enrollment window for all Medicare beneficiaries. This means you can enroll in or change a Medigap plan at any time throughout the year.
Because Connecticut has a year-round Medigap Open Enrollment window, the plans are community-rated, which means everyone in the same zip code, enrolled in the same plan through the same carrier has the same premium.
If you have a Medicare Supplement plan and wish to drop it so you can enroll in a Medicare Advantage plan, you will have to wait until the Annual Election Period to do so. The AEP is one of the only times you can enroll in a Medicare Advantage plan, and if you’re going from Medicare Supplement to Medicare Advantage, this is the only time of the year you can do it.
Help with Connecticut Medicare Plans
Our agency helps thousands of people every year with their Medicare options. Do you need help selecting a plan in Connecticut? Just give us a call, and we’ll be glad to help you. Our agents are friendly and hassle-free, and our service won’t cost you a dime.