More than 13,000 people aged 65 and over live in Danbury, Connecticut right now. And it’s safe to say that most of them probably don’t have the proper Medicare supplement to protect themselves from unexpected medical costs.

Danbury, Connecticut Supplemental Medicare Plans

This article will contain rate quotes for some of the Medicare supplement insurance providers in your area. Keep in mind that most of these quotes are based on the average beneficiary, who is female and in their early 70s.

Cheapest Medicare Advantage Plans in Danbury, Connecticut

Medicare recipients have 29 plans in Fairfield County to choose from, which is a decent amount. These plans replace Original Medicare with a private health plan that operates more like traditional health insurance. The top Medicare Advantage Plans are the ones that will let you add ancillary coverage for a little-to-no increase in your monthly premium.

The chart below shows data for the cheapest Medicare Advantage plans in Danbury right now. All of them have a $0 monthly premium, but only Wellcare caps your maximum out-of-pocket costs at $5,500. Their PPO network is also appealing to beneficiaries who want more choices.

It makes the most sense to compare the MOOP costs of these plans in order to find the cheapest one. This puts Aetna and Unitedhealthcare right in the middle. Your out-of-pocket maximums with either plan are capped at $6,700.

The most expensive plans are either Connecticare or Anthem BCBS. You’ll have to spend $7,550 in out-of-pocket costs before your health plan starts paying more for your care. You can choose between an HMO medical network for lower medical costs or a PPO network for more medical choices.

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

Average Medicare Supplement Plans in Danbury, Connecticut

Medicare Advantage and Medicare Supplement insurance (“Medigap”) are the most popular options in Danbury, Connecticut. Medigap is chosen by beneficiaries who want to keep their government health benefits but still protect themselves from its coverage gaps.

The average monthly premium cost on the low-end is $186 for a Medigap plan. This puts Plan A right around the average mark. But Plan A has a lot of important benefits missing, like preventative care and skilled nursing facility coinsurance coverage.

Plan F and Plan G have high and low-deductible versions. The high-deductible plans drastically reduce your monthly premiums but force you to pay a high deductible when you get medical care. The frequency with which you require care will determine which plan saves you the most money.

Plan N is a highly comprehensive plan which isn’t talked about much. Yes, you will have to pay a copay for doctor visits and other Part B coinsurance costs. But you’re still getting the vast majority of the same benefits that more expensive plans charge a much higher premium for.

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

Affordable Medicare Part D in Danbury, Connecticut

Paying for prescription drugs out-of-pocket is almost criminally expensive. If you don’t want Medicare Advantage, you’ll need to sign up with a Medicare Part D prescription drug plan for prescription drug discounts. Beneficiaries who require frequent refills or expensive drugs should also read up about the Medicare Coverage Gap before purchasing a plan.

Aetna is clearly the most affordable plan in Danbury right now. But these drug plans aren’t just about price. The types of drugs they cover are also important.

The UnitedHealthcare drug plan is actually more affordable than it looks. The lower deductible helps offset the higher monthly premium. They also have good customer service.

The least affordable is Cigna. This plan has a high monthly premium and a high deductible. But the drugs they agree to cover may be worth it to some beneficiaries.

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

Someone with End-Stage Renal Disease is an example of a Medicare beneficiary who can benefit from a Special Needs Plan. These are available through Medicare Advantage and are specifically tailored to reduce your substantial health care costs.

To qualify, your illness must be both chronic and debilitating. Since most Medicare Advantage policies come with a $0 monthly premium, you have to use other factors to tell them apart. Wellcare, for example, only forces you to spend $3,450 out-of-pocket before capping your expenses.

Connecticare and Aetna have the highest out-of-pocket maximums. They also have HMO networks. So you have fewer providers to choose from, but you do save money.

UnitedHealthcare also has a very low out-of-pocket maximum. But you get a PPO medical network. This lets you have more choice and more control over your care, but could be more expensive in the long run.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Connecticut $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

When can I switch from Medigap to Medicare Advantage in Danbury, Connecticut?

You can only enroll in Medicare Advantage during certain points of the year, or if specific life circumstances change. For more info, visit our Medicare Enrollment Periods page.

Does Medigap cover drugs in Danbury, Connecticut?

Sadly, not anymore. For prescription drug coverage with Medigap, you will need a Medicare Part D prescription drug plan.

What is the biggest disadvantage of Medicare Advantage in Danbury, Connecticut?

The biggest disadvantage is that these plans work more like private health insurance plans. This can make them confusing or leave you surprised with unexpected medical expenses.

How to Sign Up for Supplemental Medicare in Danbury

Saving money on your Medicare supplement is easier than you think. All you have to do is contact us. We have experts standing by with free, accurate rate quotes to help you shop around for the best deal. Give us a call at the number above, 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.