Are you one of the more than 265,000 New Haven, Connecticut Medicare beneficiaries with unsupplemented coverage? Don’t worry, you’re not alone. Below, we’re going to explore some solutions that can protect you and your savings from unexpected medical costs.

New Haven, Connecticut Supplemental Medicare Plans

We’ve already gathered several free quotes for this article. But keep in mind they’re for the average New Haven Medicare beneficiary who is typically female and 73 years of age.

Affordable Medicare Advantage Plans in New Haven, Connecticut

Beneficiaries can choose from 36 different Medicare Advantage plans in New Haven County. There is already a 44% participation rate in this city, which shows just how popular these plans can be.

Affordability isn’t just about price; it’s also about the features your plan gives you. Anthem BCBS, for example, offers a lower MOOP than its closest HMO medical network competitor. They have also received high marks for customer service.

Carpenters of Connecticut, though, has the lowest out-of-pocket maximum in the area. You only have to pay $4,900 out-of-pocket before Carpenters takes over. And you’ll get a plethora of choices with their PPO network.

The least affordable plan in the chart below would be Wellcare. They have the highest out-of-pocket maximum tied with Connecticare. But their customer reviews are only slightly above-average.

PLAN PREMIUM MOOP Plan Type Star Rating
Carepartners of Connecticut $0 $4,900 LOCAL PPO N/A
Wellcare $0 $7,550 HMO 3
Anthem BCBS $0 $7,300 HMO 4
Connecticare $0 $7,550 HMO 4
Aetna $0 $6,700 LOCAL PPO 3

Cheapest Medicare Supplement Plans in New Haven, Connecticut

Unfortunately, Original Medicare does possess coverage gaps which can get very expensive if you need more care. Medigap plans are designed to cover those expenses for you. These are small, standardized policies that are the same no matter what state you live in.

So if you enroll in Medigap Plan F, for example, you’ll get all of those comprehensive benefits no matter what, even if you’re a snowbird with a winter home in another state. Qualifying beneficiaries can purchase Plan F for as little as $260 per month. You could also save money on monthly premiums by purchasing the high-deductible version.

So how does Plan D cover fewer benefits, but not cost a cheaper premium? Because retirees who didn’t qualify for Medicare enrollment before the year 2020 are no longer eligible for Plan F. But even if you can’t find it the cheapest Plan D premium, the more expensive versions aren’t that much more costly.

Beneficiaries who want to combine the cheapest plans with the most coverage can also look to Plan L or Plan N. Plan N is fairly comprehensive with a low monthly premium, and only asks for a small co-pay in place of your Part B coinsurance. Plan L is cheaper still, but you do have to help with 25% of your covered medical expenses.

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 New Haven, Connecticut

The Medicare Part D prescription drug plan is how you get affordable prescriptions if you stick with Original Medicare. These plans usually charge a monthly premium and an annual deductible. But you get discounted drugs after meeting those expenses.

The average plan in New Haven right now carries a $480 deductible. The cheapest one is Aetna with a monthly premium under $10. Total annual upfront costs are just under $570.

The UnitedHealthcare drug plan has the most average price. But it trades a higher monthly premium for a lower deductible. These annual costs amount to $662 per year.

If you’re going with a less expensive plan like Wellcare, be sure to carefully read and understand your Explanation of Benefits before signing up for a plan. Not all plans cover the same drugs or offer good prices for the drugs you need. And what good is a cheaper plan if it doesn’t cover your medical needs?

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

Some Medicare beneficiaries rely on their benefits to help pay for chronic illnesses. If you’ve been diagnosed with something that is chronic and debilitating, you can help get your costs covered was a Medicare Advantage Special Needs Plan (SNP).

All of the plans below are some sort of HMO. this means your doctors and facilities are limited, but your costs will be lower. They’ll be the lowest if you choose Wellcare and it’s $3,450 MOOP.

There isn’t really much differentiating the other four plans from one another. Aetna stands out because it’s an HMO network with point-of-service options. But when it comes to the other three – Anthem BCBS, Connecticare, and Cigna – you’ll have to rely on finer details like customer service or benefits in order to make a decision.

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMOPOS Dual
Wellcare $0 $3,450 HMO Dual
Anthem BCBS $0 $7,550 HMO Dual
Connecticare $0 $7,550 HMO Dual
Cigna $0 $7,550 HMO Dual

FAQs

What is the most popular Medigap plan in 2022 in New Haven, Connecticut?

It’s either Plan F or Plan G. Both plans are highly comprehensive with a relatively affordable monthly premium. This is especially true if you purchase a high-deductible plan.

What is the downside to Medigap plans in New Haven, Connecticut?

Unfortunately, you have to purchase ancillary coverage separately with Medigap. This includes prescription drugs, vision, dental, and hearing. Some beneficiaries don’t like juggling multiple policies at the same time.

What Medicare Advantage Plans are available in New Haven, Connecticut?

You have 36 different plans to choose from right now. That’s a lot to compare, but if you reach out to us, we can make it quick and easy for you.

How to Sign Up for Supplemental Medicare in New Haven

We’ve been helping beneficiaries like you save money on Medicare for years. Our experts work with some of the best supplement providers in the industry. And the rate quotes we give you are completely free! Give us a call today, or complete our online rate form now to see plans in your area.

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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.