Over 102,000 Medicare beneficiaries have insufficient coverage in Bridgeport, Connecticut. But purchasing the right Medicare supplement can fix that problem and shield them from unwanted medical bills.

Bridgeport, Connecticut Supplemental Medicare Plans

Beneficiaries in Bridgeport tend to skew a little bit older. The average age is 74, and most customers are female. We use this data later on in the article to estimate rates for Medicare insurance supplements in your area.

Affordable Medicare Advantage Plans in Bridgeport, Connecticut

Most beneficiaries will choose either Medigap insurance or Medicare Advantage when deciding on a supplement. There are 29 different Medicare Advantage plans to choose from in Bridgeport, and some of them are highly affordable.

They’re so affordable that many come with a $0 premium. This is true for Wellcare which also pairs that savings with a low $5,500 MOOP limit. The MOOP is the maximum out-of-pocket cost you pay before your insurance company starts paying for your medical expenses.

Aetna And Unitedhealthcare charge a higher $6,700 MOOP limit. This puts them in the middle of the affordability range. Whether you want an HMO medical network or a PPO network will determine which plan you choose.

The least affordable plans at first glance are Connecticare and Anthem BCBS. They have a very high MOOP limit. But they could be valuable in other ways, like offering ancillary coverage that other plans don’t.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $5,500 LOCAL PPO 3
Connecticare $0 $7,550 HMO 4
Anthem BCBS $0 $7,550 LOCAL PPO N/A
Aetna $0 $6,700 LOCAL PPO 4
UnitedHealthcare $0 $6,700 HMO 4

Cheapest Medicare Supplement Plans in Bridgeport

Beware the gaps in your Original Medicare coverage. Those gaps could cost you tens of thousands of dollars or more in unexpected medical costs. And one of the cheapest ways to protect yourself is to purchase Medigap insurance.

The most popular Medigap plans are Plan F, Plan G, and Plan N. These three plans provide the most coverage at a fair cost. But there are age restrictions on some plans which your Medigap insurance agent can explain to you.

Plan F is one of those plans which is getting phased out for beneficiaries who were not eligible to enroll in Medicare prior to the year 2020. For seniors who are eligible, it provides the most coverage that money can buy. And the high-deductible Plan F is one of the cheapest plans you can get.

There are no age or enrollment date restrictions for Plan N. You can purchase it as soon as you are eligible to enroll. And other than Part B coinsurance co-pays, your Part B deductible, and Part B excess charges, all of the other gaps are covered.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $182.25 $1,518.33
PLAN B $267.53 $1,027.87
PLAN C $376.00 $436.22
PLAN D $268.84 $388.00
PLAN F $260.00 $799.83
PLAN HDF $47.50 $88.90
PLAN G $206.00 $628.99
PLAN HDG $47.50 $75.36
PLAN K $66.00 $135.00
PLAN L $123.50 $467.48
PLAN M $232.58 $608.97
PLAN N $160.00 $398.45

Average Medicare Part D in Bridgeport, Connecticut

Most Medicare Advantage plans come with prescription drug options already added. But if you want prescription drug discounts with Original Medicare, you’ll want Medicare Part D. Just make sure you understand all of your drug plan benefits before making a final decision.

In order to get drug discounts, you must first meet your annual deductible. UnitedHealthcare is the only plan in the list below which has a lower deductible. So you’ll be able to get your discounted drugs sooner with that particular plan.

Aetna and Wellcare have the lowest monthly premiums on the list. This makes them cheaper than average. This is true in spite of their high annual deductible.

Humana and Cigna have above-average costs. This is because they pair a high monthly premium with a high annual deductible. For some beneficiaries, though, the formulary they offer could be worth the cost.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.40 $480 3
Wellcare $13.00 $480 3
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4
Cigna $32.10 $480 3

Medicare Special Needs Plans

Retirees with chronic ailments might want to take a closer look at Medicare Advantage. There are special plans called Special Needs Plans which you may qualify for if your illness is chronic and debilitating.

These plans are special because every aspect is designed to accommodate your most urgent healthcare needs. Some plans, like Wellcare, offer HMO medical networks. These keep costs down so that you can afford to pay for your out-of-pocket expenses.

Others, Like Anthem BCBS, offer PPO medical networks. These networks usually contain a greater number of local doctors and facilities to get care from. This is especially helpful if your chronic illness requires frequent specialist consults.

UnitedHealthcare is the cheapest plan as far as out-of-pocket maximums go. They also offer you a wider net of doctors and hospitals to choose from. Just make sure you understand the fine details of your plan since these aren’t the only expenses you will have to consider.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Connecticare $0 $7,550 HMO Dual
Aetna $0 $7,550 HMOPOS Dual
Anthem BCBS $0 $6,700 LOCAL PPO Dual
UnitedHealthcare $0 $3,450 LOCAL PPO Dual

FAQs

What is the main difference between Medicare Advantage and Medigap in Bridgeport?

The main difference is that Medicare Advantage replaces Original Medicare with a private insurance plan. Medigap lets you keep Original Medicare, and only pays for the “gaps” in coverage that Medicare refuses to pay for.

What is the difference between Medigap Plan D and G in Bridgeport?

Medigap Plan G pays for Part B excess charges; Plan D does not. But if you’re asking about prescription drug coverage, you’ll want to look into Medicare Part D, not Medigap Plan D. There are no Medigap plans for sale which cover prescription drugs.

What is the downside to Medigap plans in Bridgeport?

Medigap plans do not cover prescription drugs, vision, hearing, or dental. You’ll have to purchase separate insurance policies if you want all of these needs covered (or you’ll have to switch to Medicare Advantage).

How to Sign Up for Supplemental Medicare in Bridgeport

We can help you find free and accurate rate quotes for whatever Medicare supplement suits your needs. We have the expertise and the resources to connect you with the best providers in Bridgeport, Connecticut. Give us a call at the number above or complete our online rate form now.

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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.