Medicare in Connecticut
This article was updated on: 09/16/2018
While browsing Medicare plan options in Connecticut, you may wish to examine all of your coverage possibilities. Let Medicare.com be your resource as you shop for a plan that suits all your needs.
About Medicare in Connecticut
Medicare beneficiaries in Connecticut may choose to enroll in Original Medicare, Part A and Part B, and enhance that coverage with a Medicare Prescription Drug Plan and/or Medicare Supplement insurance. Alternatively, they may decide to receive all of their benefits through a Medicare Advantage plan.
Types of Medicare coverage in Connecticut
Original Medicare, Part A and Part B, is offered and administered by the federal government. Medicare Part A provides inpatient hospital care while Part B covers physician visits, medical supplies, and medically necessary durable medical equipment.
Medicare Advantage plans, Part C, are offered by private insurance companies approved by Medicare. These plans are required to provide at least the same amount of coverage as Original Medicare, Part A and Part B (with the exception of hospice care). Some plans can offer more benefits, such as vision, hearing, and prescription drug coverage. Plan cost and availability may vary by county.
Medicare Part D is prescription drug coverage for beneficiaries looking to have their prescription medications covered. One option is to get this coverage through a stand-alone Medicare Prescription Drug Plan, which works alongside Original Medicare, Part A and Part B. Another option is to get prescription drug coverage through a Medicare Advantage plan, also known as a Medicare Advantage Prescription Drug plan. Plan details and costs may vary from county to county.
Medicare Supplement insurance, also called Medigap, covers “gaps” in Original Medicare coverage such as deductibles, copayments, coinsurance, and other out-of-pocket costs, such as emergency overseas health coverage. Most states, including Connecticut, offer up to 10 standardized Medigap policy options, each labeled with a letter. All plans of the same letter offer the same benefits, no matter which insurance company offers the plan.
Local resources for Medicare in Connecticut
Medicare Savings Programs in Connecticut: If your income is below the state-established limit, then you may qualify for additional Medicare savings. The Qualified Medicare Beneficiary program, the Special Low Income Medicare Beneficiary program, and the Additional Low Income Medicare Beneficiary program help qualifying beneficiaries with their out-of-pocket Medicare costs.
Connecticut State Health Insurance and Assistance Programs (SHIP): Connecticut’s SHIP program is called CHOICES (Connecticut’s program for Health insurance assistance, Outreach, Information and referral, Counseling, Eligibility Screening). It provides complimentary information to residents aged 60 and older, and also counsels persons with disabilities.
How to apply for Medicare in Connecticut
To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years.
In Connecticut, those who receive benefits through Social Security or the Railroad Retirement Board may be automatically enrolled in Original Medicare, Part A and Part B a few months prior to reaching age 65. People with disabilities are eligible to enroll before age 65 and are enrolled once they have received Social Security disability benefits (or certain Railroad Retirement Board disability benefits) for 24 months straight; those who are eligible for Medicare due to disability are automatically enrolled in the 25th month.
Medicare Part B coverage requires you to pay a monthly premium, so you have the option of refusing it once you receive your “Welcome to Medicare” packet in the mail if you are still working and have employer-sponsored group coverage (either through your employer or your spouse’s employer). If you delay Medicare Part B because you have employer coverage, you can enroll later through a Special Enrollment Period. If you decline this coverage when you are first eligible and don’t qualify for a Special Enrollment Period, you may have to pay a late-enrollment penalty for as long as you have Medicare if you choose to enroll down the line.
Those who are not enrolled automatically may contact the Social Security Administration online, in person, or by phone to join.
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
As you can see, there are many things to consider when it comes to Medicare coverage. I can tell you more, and listen to all of your concerns as we figure out a solution. To learn more about me, see my photo below and use the “View profile” link under it to access my profile. You can also schedule a one-to-one phone call or request an email from me with more plan information. If you’d like to compare some plans on your own, you can do that as well by clicking the Compare Plans button on this page.