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

Hartford, Connecticut Supplemental Medicare Plans

In this article, we’ve prepared several free rate quotes for you to evaluate. 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 out with a $0 monthly premium courtesy of Uncle Sam. But your average plan may cost a small premium per month if you add ancillary coverage options. Different plans offer different benefit options, like Humana having a low $5,800 out-of-pocket maximum.

The average MOOP cost seems to be capped at 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 average. Their MOOP costs are well over $7,000 each. But their HMO medical networks could help you save money.

PLAN PREMIUM MOOP Plan Type Star Rating
Connecticare $0 $7,550 HMO 4
Aetna $0 $6,700 LOCAL PPO 4
UnitedHealthcare $0 $6,700 HMO 4
Humana $0 $5,800 LOCAL PPO 4
Anthem BCBS $0 $7,300 HMO 4

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 exactly these gaps in coverage 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).

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 Hartford, Connecticut

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 in order to gain access to cheaper prescriptions.

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

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

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 illness. 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, however.

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.

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

FAQs

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

Absolutely not. It’s actually illegal for insurance companies to sell you both, even if you’re purchasing them from separate providers. It’s because both supplements basically do the same thing (protecting you from expensive Medicare coverage gaps), but in different ways. Purchasing both would be a waste of money.

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 $650 per year in 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 a little higher than in most other areas, and prices matching their benefits seem inconsistent.

How to Sign Up for Supplemental Medicare 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.

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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.