13,664 potential Medicare enrollees live in Norwalk, Connecticut. And every one of them needs to analyze their Medicare supplement plan to make sure they’re getting the most affordable, high-quality medical care that their money can buy.

Medicare Plans in Norwalk Connecticut

The average Medicare recipient in Norwalk, Connecticut, is approximately 73.5 years of age. 55% are female, and 45% are male. Based on this demographic data, we have several free rate quotes on display below.

Cheapest Medicare Advantage plans in Norwalk, Connecticut

There are 29 all-in-one Medicare Advantage plans available in Fairfield County today. Somewhere between 37% – 51% of beneficiaries choose these supplements, which shows how popular Medicare Advantage is in Norwalk.

If you want a cheap plan, start with the providers listed below. They offer $0 monthly premiums and some of the lowest maximum out-of-pocket costs. And Wellcare, which caps your MOOP cost at $5,500, is the cheapest.

The next cheapest plans are from UnitedHealthcare and Aetna. But Aetna offers a PPO medical network for more and better choices. The HMO network from Unitedhealthcare limits your doctors and hospitals but could save you on costs.

Connecticare and Anthem BCBS are not the cheapest plans. They both come with the highest MOOP costs, capped at $7,550. But Connecticare at least has good customer service ratings.

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

Affordable Medicare Supplement plans in Norwalk, Connecticut

Even if you’re healthy right now, Medigap plans can be invaluable if you get unexpectedly ill later in life. Long hospital stays and frequent outpatient care can get expensive with Original Medicare because that’s where most coverage gaps exist. But Norwalk, Connecticut Medicare Supplement plans are designed to cover those expenses so that you don’t have to.

What makes a Medigap plan affordable? Some would say it’s a plan with a low monthly premium. In that case, a High-deductible Plan F or Plan G would be the most affordable.

But are those plans affordable if you have to pay a massive deductible? Alternatively, you could save money with a comprehensive, low-deductible plan that charges a low monthly premium. That would be Plan L or Plan N.

Comprehensive plans like Plan C can be affordable if you require lots of care. The high monthly premiums are offset by the money you save by not paying out-of-pocket for your medical expenses. And if you shop for cheaper rates with us, it’ll be more affordable still.

Medicare Supplements are standardized and regulated by the Centers for Medicare & Medicaid Services.

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 prescription drug plans

Nearly every beneficiary will require prescription drugs to stay healthy. But these drugs can be expensive. That’s why Medicare Part D exists — to help you mitigate those costs. The average Part D prescription drug plan in Norwalk, Connecticut, is largely affordable for the average beneficiary, but if it’s not, you can look into the Medicare Extra Help program for financial relief.

UnitedHealthcare offers up a surprisingly affordable middle-of-the-road plan. When you tally up your monthly premiums and the lower annual deductible, You’ll only have to pay around $662 per year to get your drugs discounted.

Wellcare and Aetna are still more affordable, despite their high deductibles. The monthly premiums are quite low. Their customer service is about average, too.

Be careful with Humana or Cigna. These are the least affordable plans with high monthly premiums and high annual deductibles. Humana has better customer service, though, which is worth mentioning.

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 beneficiaries are on Medicare because they suffer from chronic and debilitating diseases like ALS or ESRD. If this sounds like you, a Medicare Advantage Special Needs Plan (SNP) could make your healthcare more affordable. We’ve gathered data on the best options in the chart below.

Want to minimize your out-of-pocket costs? Then look closer at Wellcare or UnitedHealthcare. The main difference is that Wellcare has a more limited (but potentially cheaper) HMO medical network than UnitedHealthcare.

Connecticare and Aetna come with the highest MOOP costs. This means you’ll have to pay more for your care before your provider picks up the slack. If provider choice is important to you, these HMO plans may limit your options.

Anthem BCBS is slightly cheaper. Its MOOP cost is only $6,700. And the PPO network gives you a wider pool of doctors and hospitals to choose from.

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

FAQs

Is a Medigap plan better than an Advantage plan in Norwalk, Connecticut?

That depends on you. If you need a Special Needs Plan, or ancillary coverage or don’t want to juggle multiple insurance supplements, Medicare Advantage works better. But for some, Medigap plans are more affordable and manageable.

Why is Medigap so expensive in Norwalk, Connecticut?

Because it’s an insurance supplement that pays for all the gaps Medicare leaves behind. Most of these plans cover expenses like extended hospital stays and Part B coinsurance, which would normally be paid out-of-pocket by you. Purchasing a supplement could save you from paying tens of thousands of dollars or more in out-of-pocket expenses.

Do Medigap premiums increase with age in Norwalk, Connecticut?

Medicare Supplement insurance companies use the community-rated pricing method. This is part of the reason Connecticut is one of the most expensive states

How to Sign Up for Supplemental Medicare in Norwalk

If you’re confused about Medicare supplements, you’re not alone. We can help. We’ve already helped thousands of beneficiaries like you find the cheapest rate quotes in their area — for free! All you have to do is call us. Or, complete our rate form now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.