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How Do I Determine My Medicare Supplement Insurance Plan Needs in Connecticut?
Figuring out Medicare Supplement Insurance plans in Connecticut shouldn’t require earning a degree from Yale University. Medicare Supplement Insurance plans, also called Medigap, serve to fill some of the “gaps” between what’s covered by Medicare Parts A and B and what is not covered by Medicare, such as copayments, coinsurance and deductibles. The purchase of a Medicare Supplement Insurance plan in Connecticut assists with out-of-pocket costs and is available from private insurance companies throughout the state of Connecticut.
Residents of Connecticut have 8 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare but any enrollee with one of these plans are grandfathered into their plan.
As of 2020, Medicare Supplement plans will no longer sell Medigap Plans C or F to newly eligible Medicare members. Congress has decided that new Medigap plans will no longer be allowed to cover the Part B deductible after January 1, 2020. This will only affect Medicare Supplement plans C and F as these are the only Medigap plans that cover the Part B deductible. Anyone enrolled in a Medigap Plan C or F as of December 31, 2019, will be grandfathered and will be able to continue to use their plan as long as they want.
Connecticut residents looking for the most popular Medicare Supplement Insurance plans need to first look at their specific coverage needs to determine what type of Medigap plan to consider.
Most Popular Medicare Supplement Insurance Plans in Connecticut
The 8 government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Connecticut. The statistics below offer a sampling of stats outlining the most popular Medigap plans selected by Connecticut residents. The insurance companies that offer Medigap Insurance plans offer the same basic benefits, but those plans may come at different prices depending on where you live and the carrier. Each insurer may not offer each of the available Medigap Plans.
As reported by AHIP, among those who enrolled in a Medigap policy, the majority (48.8%) choose Plan F, 18.4% choose Plan N while 11.2% choose Plan J. Below is the breakdown of the number of Connecticut enrollees by Medigap plan type.
Source: AHIP. Reflects data through December 31, 2017.
Source: AHIP. Reflects data through December 31, 2017.
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Connecticut Medicare Supplement Insurance plan will not cover prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs. Another option is a Connecticut Medicare Advantage plan, which typically covers prescriptions drugs and may also include other benefits, such as dental, gym memberships, vision and hearing coverage.
Learn more about your Medicare Supplement Insurance plan options in Connecticut by working with a SelectQuote licensed sales agent. As a Medicare advocate, our licensed sales agents can guide you through the Medicare maze to better understand Medigap Plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Connecticut.
Connecticut residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap Plan in Connecticut can’t be used to pay for any expenses for a Medicare Advantage plan.
When is the Connecticut Medicare Supplement Plan Enrollment Period?
Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Connecticut begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.
Connecticut residents have a six-month period around their birth month to buy a Medicare Supplement Insurance plan. Connecticut residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.
The best time to enroll in a Medicare Supplement Insurance plan is during the initial 6 months you are eligible for Medicare. Eligibility starts as soon as age 64 and 6 months so get a jump if you can. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting during this time. In other words, during this timeframe your acceptance is guaranteed. However, if you apply for Medicare Supplement Insurance outside of this 6-month timeframe, Connecticut residents will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or premiums may also adjust depending on current health status and pre-existing health conditions.
Is a Connecticut Medicare Supplement Insurance Plan Right for You?
Not sure if you’re getting all the available benefits you deserve? Talk to a SelectQuote licensed sales agent to be sure. Our licensed sales agents can also offer information regarding annual updates to Medicare plans. As a trusted independent third-party company specializing in helping consumers find the right Medicare plan to meet their needs, SelectQuote is ready to help Connecticut residents understand the available Medicare insurance options.
To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.