Want to learn more about your Medicare options in Waterbury, Connecticut? Let’s start with the numbers: Over 16,000 residents aged 65+ in Waterbury are eligible for Medicare. But which health insurance supplement is best for retirees?

Medicare plans in Waterbury, Connecticut

The insurance quotes below reflect the average Waterbury, Connecticut, Medicare beneficiary, a 73-year-old female. Prices for supplemental insurance to add to your Waterbury, Connecticut Original Medicare may vary for older individuals or males.

Medicare Advantage plans

The odds are that about 48% of Waterbury Medicare recipients will purchase a Medicare Advantage plan. Approximately 36 different Waterbury, Connecticut, Medicare Advantage plans are available for sale in New Haven County.

The average maximum out-of-pocket cost for these plans is around $6,800. Carpenters of Connecticut and Aetna fall below this threshold, making them two of the more affordable plans. The rest have above-average out-of-pocket costs.

Anthem BCBS is the cheapest of the other three for maximum out-of-pocket expenses. It also has above-average customer service ratings. And beneficiaries will have a smaller but less costly HMO network of doctors and hospitals.

Despite their $0 premium, Connecticare and Wellcare are the most expensive, with $7,550 being their out-of-pocket maximum. After your medical costs exceed this limit, your insurance provider should cover the rest of your expenses. Additionally, Connecticare has a slight advantage over Wellcare based on customer service ratings.

The average cost of Medicare Advantage plans in Waterbury, Connecticut

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 4

Medicare Supplement plans

Replacing your Medicare benefits with a private plan like Medicare Advantage can be daunting. If you’re not ready for that commitment, consider a Waterbury, Connecticut, Medicare Supplement insurance. These smaller, standardized, affordable supplements cover the coverage gaps in Original Medicare, so you don’t have to worry about them.

Your cheapest monthly premiums will come from plans with a high deductible. Plans HDF and HDG are highly comprehensive, but you’ll save a ton of money in monthly premiums if you’re willing to pay that annual deductible.

If you can’t afford a high deductible, that’s okay. Plan N is one of the cheapest plans available, offering highly comprehensive care.

Plan C is far from your cheapest option. But it’s highly comprehensive and available to all beneficiaries. Furthermore, if you enroll as early as possible, it can drastically lower your Medigap premium.

The average cost of Medicare Supplement plans in Waterbury, Connecticut

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

Medicare Part D prescription drug plans

How can you afford expensive prescription drugs on Medicare? Most Medicare Advantage plans come with prescription drug plans built-in. But if you stick with Original Medicare, you must also enroll in a Waterbury, Connecticut Medicare Part D to get affordable prescription drug prices.

These plans charge you a monthly premium and insist you meet an annual deductible before you get your discounted drug prices. UnitedHealthcare is more affordable than it looks, based on this chart—your total upfront costs for the year amount to $662 when calculating monthly premiums and annual deductibles.

The two plans above the affordable median are Humana and Cigna. Humana comes out on top regarding affordability because they have a smaller monthly premium. They also have better customer service.

The most affordable plans are Aetna and Wellcare. They have average customer service ratings, but their monthly premiums are less than $15. Their low monthly premiums help make it easier for beneficiaries to afford that high annual deductible.

The average cost of Medicare Part D plans in Waterbury, Connecticut

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

Special Needs plans

You may be rightfully worried about your medical costs if you have a crippling, debilitating medical disorder. There are Special Needs Plans for that with Medicare Advantage. You may have to replace your Original Medicare benefits with a private plan, but many beneficiaries with debilitating diseases (like ESRD) find great value in it.

All of the SNPs below come with an affordable $0 monthly premium. Most of them, including Aetna, come with a $7,550 out-of-pocket maximum. Aetna offers an HMO medical network, the type of network which traditionally keeps the cost of care affordably low.

The plan that can save you the most money looks to be Wellcare. It caps your out-of-pocket expenses at $3,450. Once you hit your out-of-pocket maximum, your provider’s financial responsibility is to cover your care.

There’s little difference between the remaining plans like Cigna, Anthem, or Connecticare. They all offer similar medical networks and out-of-pocket maximums. Your best bet is to call a company representative to see which plans offer the best benefits.

The average cost of Medicare Special Needs plans in Waterbury, Connecticut

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO-POS 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

How to sign up for Medicare plans in Waterbury

If you’re having trouble choosing a supplement, please contact us. We will give you free rates to help you shop for the most affordable care. Call us at the number above, or complete our online 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.