There are over 398,000 retirees who are currently enrolled in Original Medicare. Original Medicare includes Medicare Part A, your inpatient hospital treatment, and Medicare Part B, your outpatient doctor care. Below, we’re going to go into deeper detail about what Connecticut Medicare plans mean for residents and how to best use them to cover your health care costs.

Connecticut Medicare Facts & Figures

  • Over 396,000 Connecticut residents have at least enrolled in Medicare Part A
  • But only 331,000 of those have also enrolled in Medicare Part B
  • Out of the beneficiaries enrolled in Original Medicare, over 341,000 of those aged in the program at 65
  • The remaining 57,000+ enrolled in the program early to take care of a disability
  • Just under 304,000 Connecticut retirees have switched to a Medicare Advantage plan instead of Original Medicare
  • A little more than 286,000 Original Medicare beneficiaries have also enrolled in a Medicare Part D prescription drug program

Medicare Costs in Connecticut for 2022

Original Medicare is a pretty simple system. Part A pays for any care you receive as an inpatient, whether at a hospital, a skilled nursing facility, or hospice care. Part B takes care of everything else, like doctor visits, flu shots, and minor outpatient procedures which don’t require hospital care.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Most retirees can’t enroll in Original Medicare until they retire at age 65; this is true for 341,374 beneficiaries in Connecticut right now. But Original Medicare is also open to people suffering from a chronic disability, which 57,399 Connecticut residents currently are.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Connecticut

Ignoring your Original Medicare supplement options can be dangerous if you are on a tight budget. Between inflation and the fact that our healthcare system is set up to make a profit, there’s no chance your medical expenses will go down at any point in the near future. So you must protect yourself from the out-of-pocket costs inherent in the Medicare system.

You can start by looking at Medicare Advantage (Medicare Part C). Medicare Advantage replaces Original Medicare with a private health insurance plan offering at least identical benefits.

Most likely, though, you will get more benefits – including things like prescription drugs, dental, hearing, and more.

Alternatively, you can keep your Original Medicare and supplement with Medigap. These private Medicare supplement plans are standardized and offer you the same benefits no matter where you live.

They specifically cover things that Original Medicare doesn’t, like extended hospital stays and expensive coinsurance fees.

Only Medicare Advantage covers prescription drugs, so if you stick with Original Medicare, you’ll benefit from enrolling in the Medicare Part D prescription drug program.

You will have to pay annual deductibles and monthly premiums for your plan, but you will be guaranteed significantly cheaper prescription drug costs after that.

Many different factors will affect how much your Medicare supplement plan costs. But the two biggest factors by far are your location and how much you can afford to pay for monthly premiums.

Connecticut Medicare Resources

If you need help managing your Medicare needs, there are several free resources available to you. Those include:

The Connecticut State Health Insurance Program

FAQs

What is the difference between a Medigap plan and a Medicare Advantage plan in Connecticut?

A Medicare Advantage plan is a whole and complete health care plan by itself. A Medigap supplement is a smaller, specially crafted plan which you can only purchase if you are enrolled in Original Medicare. Medicare Advantage replaces Original Medicare, while a Medigap supplement helps make Original Medicare cost you less.

In Connecticut, can you have a Medicare Advantage and a Medicare supplement at the same time?

Not legally, no. Any company that tries to sell you both is breaking the law by trying to sell you redundant, duplicate coverage. If you have Medicare Advantage, you have no need for a Medigap plan because your Medicare Advantage plan will provide you with the same benefits. And you cannot purchase Medicare Advantage while you have a Medicare supplement because it is illegal for Medicare Advantage providers to enroll you in Medicare Part C if you wish to stay enrolled in Original Medicare.

Do Medigap premiums increase with age in Connecticut?

Some do. But it depends on the Medigap plan you purchase. Depending on the available plans in your area, you may have the option to sign up for a community-rated plan, an issue-age-rated plan, or an attained-age-rated plan. The attained-age-rated plan is pretty self-explanatory: your premiums will go up a little bit each year as you get older. This means you can save a lot of money on your premiums when you’re younger, but things like inflation and the cost of care can make these plans more expensive as the years go by.

How to Sign Up for Supplemental Medicare in Connecticut

Contact us today so that we can help you out – for free! We’ll start by asking you some questions about your age and your zip code, then we will help you compare free rate quotes for supplement plans available to you right now. Give us a call or complete our online rate form here.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.