Medicare Supplement Plans in Connecticut
Last Updated : 10/12/20184 min read
Medicare Supplement (Medigap) plans in Connecticut are offered by private insurance companies and can insure you alongside Original Medicare (Part A and Part B). Medicare Supplement plans in Connecticut provide coverage for out-of-pocket costs such as copayments, coinsurance, and deductibles.
Why would I want a Medicare Supplement plan in Connecticut?
Unlike many employer-sponsored health insurance plans, Original Medicare (Part A and Part B) in Connecticut has no out-of-pocket maximum.
This means that if you spend extended time in the hospital or in a skilled nursing facility or have frequent doctor visits, you could face thousands of dollars of out-of-pocket expenses.
A Medicare Supplement plan provides protection against some Medicare out-of-pocket spending. If you want the reassurance of an out-of-pocket maximum, you can buy Medicare Supplement Plan K or L, which both have out-of-pocket limits. With these plans, once you have reached the annual out-of-pocket spending limit and your Medicare Part B deductible, your Medicare Supplement Plan pays 100% for Medicare-covered costs for the remainder of the calendar year.
Who can buy a Medicare Supplement plan in Connecticut?
Over 400,000 people in Connecticut are enrolled in Original Medicare, according to the Centers for Medicare and Medicaid Services (CMS). If you’re enrolled in Original Medicare, you may be eligible for a Medicare Supplement plan in Connecticut. Medicare Supplement plans cannot be used together with Medicare Advantage.
Private insurance companies are not required under Federal law to sell Medicare Supplement plans to people under 65. However, Connecticut is one state that requires private insurance companies to sell at least one kind of Medicare Supplement cover to people under 65. Medicare beneficiaries under 65 in Connecticut may be subjected to medical underwriting. Medical underwriting is when the insurer considers your health conditions before deciding to offer you insurance. People with health problems may not get insurance or may have to pay more for coverage.
Residents of Connecticut can be free from medical underwriting during a brief period know as your Medicare Supplement Open Enrollment Period. This is a six-month period that begins when you are both 65 and enrolled in Medicare Part B. During this period, private insurance companies that sell Medicare Supplement in Connecticut cannot turn you down for coverage based on your health history. People under 65 generally don’t have a Medicare Supplement Open Enrollment Period.
What else should I know about a Medicare Supplement plan in Connecticut?
The 10 Medicare Supplement plans in Connecticut and other states are labeled A, B, C, D, F, G, K, L, M, and N. Plans are standardized, meaning all plans of the same letter offer the same basic benefits, regardless of which private insurance company offers the plan.
Medicare Supplement plans in Connecticut generally do not cover prescription drugs. For prescription coverage you may want a Medicare Part D Prescription Drug Plan.
Medicare Supplement plans generally only cover costs for services that Original Medicare already covers. However, Medicare Supplement plans C, D, F, G, M and N cover foreign travel emergencies up to plan limits, a benefit generally not covered by Original Medicare.
All Medicare Supplement plans in Connecticut cover 100% of Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted. Beyond this one benefit, plans differ. The private insurance companies that offer Medicare Supplement plans in Connecticut set the premiums for the plans. Sometimes plans with more extensive coverage have higher premiums. High-deductible Plan F often has a lower premium than other plans.
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