“Medigap” is a kind of Medicare supplement insurance coverage built to fill in the coverage gaps common in Original Medicare Parts A & B. Although Medicare attempts to be comprehensive, there are some healthcare basics which it does not cover. And if you lack Medigap insurance to cover these essentials, you could possibly end up spending thousands in out-of-pocket hospital costs. In order to acquire Medigap insurance, you have to first be enrolled in Original Medicare.

Federal Regulations for Medicare Supplements

The CMS (Centers for Medicare and Medicaid Services) is the governmental body responsible for controlling the 10 Medigap plans which are available today for purchase. Because plans are regulated, you can rest assured that Plan F insurance coverage in Connecticut is the same as it will be in any different state. All you have to worry about is choosing the best company, and acquiring a reasonably priced premium.

Medigap Enrollment In Connecticut

Of the several thousand Connecticut residents currently enrolled in a Medigap policy, the majority are enjoying the comprehensive benefits offered by Plan F. The least popular plan, according to number of members, is plan M.

Plan Type A B C D E F G H I J K L M N
Enrollment 2,617 3,556 13,805 2,607 1,337 56,018 2,518 725 1,840 26,149 659 672 0 4,099

Plan Coverage & Cost

The price you pay for a Medicare supplemental insurance policy is dependent upon many different elements. Your health status is a major issue, and your rate can change according to such things as smoking habits, your age, and gender. Your premium will also be based upon where you live, right down to your city and local zip code. Below is a chart which estimates what individuals in your town are being charged for their plans:

Most Popular Medicare Supplement Plans in Connecticut

Hands down, Plan F is the most preferred choice in Connecticut with over 56,000 currently enrolled. Of the plans still available for sale, Plan C is a distant second – mainly because it helps Connecticut residents handle the extensive hospital expenses which Medicare Part A does not cover.

Plan J was the second most popular Medigap plan before companies ceased to provide it as an option in 2010. This was largely due to the fact that it provided affordable prescription drug coverage, which is now covered by Medicare Part D. Plans C and N are also popular alternatives to Plan F because, for some seniors, paying their Medicare Part B Deductible and excess charges out-of-pocket is cheaper than paying extra for Plan F. At the end of the day, the plan you choose will depend on what health services you will require, and what you can afford to pay.

Helpful Medigap Tips & Tricks

Doctor/Provider Network Restrictions

One of many reasons Medigap policies are well liked among golden-agers is their flexibility. Compared with other supplement programs, Medicare supplement insurance doesn’t include any restrictive HMO or PPO provider networks. You may use any doctor that takes Medicare, in any state, irrespective of where you happen to be. If you love to vacation, if you are in a rural area, or for those who are amongst the millions of “snow birds” who migrate south for the winter, your access to suitable medical care will not be restricted.

Doctors List

Do you have a family doctor? Does he/she accept Medicare? If he or she does, you will most likely be able to continue the relationship with a Medicare Supplemental plan. Unlike some other plans, Medigap plans only require that the healthcare provider accept Medicare assignment. Other plans may restrict your choice of physicians and specialists to those in a specific network. When a doctor accepts Medicare assignment they are agreeing to Medicare’s payment schedule for covered costs, agreeing not to charge you more than any co-pay or coinsurance your plan requires, and agreeing to file medical claims with Medicare on your behalf.

Drug, Vision and Dental Coverage

In the year 2010, the government passed legislation which changed the way Medicare supplement insurance managed prescription drug coverage. Now that Medicare Part D exists, All Medicare supplemental insurance plans which provided prescription drug coverage are being phased out. Vision and dental benefits are a different issue entirely. They have never been insured by either Medicare or Medigap, and should be bought separately through a private company for those who have a need for those services.

Enrollment Options & Best Time To Enroll

For easy enrollment with hardly any hassle, you’ll want to sign up for a Medicare supplemental insurance policy around the time you enroll in Traditional Medicare (within your first 6 months of Medicare coverage, to be precise). The more you hesitate, the more challenging the process may become.

  • Initial Enrollment Period: Once you join Original Medicare, you have 6 months to likewise join a Medigap policy so that you can qualify for the initial enrollment period. Registering during the IEP assures automatic acceptance and coverage.
  • Guaranteed Issue: Typical among older persons who are losing an employer or group health plan. The company you are applying to will have to accept and cover you, regardless of your current health status.
  • Annual Enrollment Period (AEP): The AEP actually pertains to various insurance policies. Medigap enrollment is not really restricted by AEP rules.
  • Underwritten: The underwriting process is when your chosen health insurance company records data regarding your health history and determines whether you are eligible for insurance policy coverage under a Medicare supplement policy.

Free Look Period

By federal law, you have 30 days to examine your Medicare supplement plan after your coverage begins. If, for whatever reason, you’re unhappy with your coverage, you may get rid of your plan for a full refund inside your first 30 days.

How much does a Medicare Supplement Plan Cost?

In Connecticut, the cost of Medigap plans like all insurance policies is determined by several underwriting factors. Your age, gender, general health, health history and smoking history (if any) will be considered when developing a premium price. Additionally, where you live in Connecticut will also be calculated in. Different companies place different emphasis on these factors, so it is essential that you do comparison shopping to find the most cost-effective policy. We have listed estimates of what people near you are paying in the chart shown below.

What Medigap Plan Is Best For Me?

The best Medigap plan for you is one that gives you peace of mind as you enter retirement. To find that plan can be a challenge. But at Medigap.com we have compiled a comprehensive list of Medicare supplement plans that are available in Connecticut to give you a head start on your search. We’ve also provided detailed information on types of plans, overall ratings of plans, and answered most frequently asked questions about Medicare supplement coverages to help you in the selection process.

At the end of the day, your best plan will be one you fully understand, fits your healthcare needs, and is affordable.

How do Medicare Supplement Plan Ratings Work?

How well a Medigap plan delivers what it promises is important. The Overall Star Rating that we have provided takes into consideration several categories of plan performance. Of course, medical services like screening and testing and management of chronic conditions are considered, but so are administrative issues like member complaints, customer service, and changes in plan performance. The overall rating is just that, it is an evaluation of the total experience.

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.