Best Hartford Connecticut Medicare Plans for 2023

There are 276,000 Medicare recipients in Hartford, Connecticut, who may need a money-saving healthcare supplement. This article will explore their many options for supplemental coverage.

Hartford Connecticut Medicare plans

We’ve prepared several free rate quotes for you to evaluate in this article. They’re based on the average Medicare recipient in Hartford, who is most likely 73 years of age and female. Your rates may vary if you are male, older, or both.

Average Medicare Advantage plans in Hartford, Connecticut

In Hartford County, Medicare recipients can choose from 35 different Medicare Advantage plans. Medicare Part C is very popular in Hartford — over 51% of beneficiaries have enrolled in a plan.

“Free” Medicare Advantage plans start with a $0 monthly premium courtesy of Uncle Sam. But your average plan may cost a small monthly premium if you add ancillary coverage options. Different plans offer different benefits, like Humana having a low $5,800 out-of-pocket maximum.

The average MOOP cost seems to be a little over $6,000. Both Aetna and UnitedHealthcare have average-priced plans based on their MOOP cost limits. They also come with high customer approval ratings.

Both Connecticare and Anthem BCBS are on the more expensive side of the average. Their MOOP costs are well over $7,000 each. But their HMO medical networks could help you save money.

Cheapest Medicare Supplement plans in Hartford, Connecticut

Not even Original Medicare pays for everything. That’s why supplemental coverage is so important. Medigap policies were created to cover these gaps so that you don’t have to.

Plan G is one of the top Medigap plans value-wise. You get a lot of benefits for a relatively cheap monthly premium. And if you purchase the high deductible version, you’ll get the cheapest monthly premium possible.

You’d think that the cheapest plans would also provide you with the fewest benefits. But that’s not always the case. Plan M, for example, offers only slightly less coverage than Plan N but costs at least $72 more each month in Hartford.

Plan N offers nearly complete Medigap coverage. It’s one of the cheapest plans to do so. All you have to do is pay small copays, Part B excess charges, and your Part B deductible (on top of the monthly premium, of course).

Affordable Medicare Part D prescription drug plans

If you’re keeping your Original Medicare, you’ll want to invest in a Medicare Part D prescription drug plan. This is true whether you purchase a Medigap supplement or not. But you cannot get one of these plans if you enroll in Medicare Advantage.

Plans like Aetna’s will help protect you from the Medicare prescription drug coverage gap, otherwise known as the “donut hole”. This plan is the most affordable, with $569 in annual upfront costs. This includes your monthly premiums and annual deductible.

After you meet those costs, you get your prescriptions at a discounted rate. The next most affordable plan in Hartford right now is Wellcare. It only costs $636 per year to gain access to cheaper prescriptions.

The least affordable plan is Cigna. They cost nearly $866 annually before your discounts become available. But the extra cost may be worth it in deeper discounts or a more expansive formulary.

Medicare Special Needs plans

Special Needs Plans (SNPs) are only available through Medicare Advantage. They give you access to exclusive medical networks which keep costs down for beneficiaries suffering from a chronic and debilitating illnesses. These exclusive networks are designed to keep costs as low as possible.

There are several affordable plans to choose from in Hartford. UnitedHealthcare and Humana are both PPO networks with the lowest out-of-pocket maximum. And their PPO medical networks are larger, which gives you more options for getting care.

Wellcare has a similar MOOP cost, comparatively. But it offers an HMO medical network. These are smaller networks with fewer providers to choose from; healthcare costs are usually lower.

Connecticare and Anthem BCBS are on the more expensive side. Their MOOP cost is over twice as much as the other plans. But they also use HMO networks for reduced medical costs.

FAQs

Can you have a Medicare Advantage and a Medicare supplement at the same time in Hartford, Connecticut?

No. It’s illegal for insurance companies to sell you both, even if you’re purchasing them from separate providers. Medicare Supplements fill in the gaps of Original Medicare, while Medicare Advantage plans will provide another avenue to receive your Medicare benefits.

What is the average cost of a Medicare Part D plan in Hartford, Connecticut?

If you’re shopping among top providers, you can expect to pay around $31.50 monthly premiums in addition to your annual deductible. But you’ll get drastically discounted prescription drugs once you meet your deductible.

What is the downside to Medigap plans in Hartford?

As you can see by the rates we’ve quoted on this page, the major downside for Hartford beneficiaries is the cost. Monthly premiums are slightly higher than in most other areas, Connecticut is one of the most expensive states to buy a Medicare Supplement policy.

How to sign up for Medicare plans in Hartford

It’s easier than you think. Just fill out our simple contact form, and one of our representatives will help you find free and accurate rate quotes near you. We work with only the best providers, so you know you’ll be getting the best plan for your buck.