Medicare plays a key role in providing health and financial security to beneficiaries residing in Connecticut. With more than 687,600 Connecticut beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Connecticut. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.

Who Qualifies for Medicare in Connecticut?

Medicare covers most Connecticut residents who are 65 or older, and it also covers disabled Connecticut residents. In general, Medicare enrollment in Connecticut works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.

When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:

  • Begins 3 months before the month you turn 65
  • Includes the month you turn 65
  • Ends 3 months after the month you turn 65

In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.

Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.

Who Qualifies for Medicare

Connecticut Medicare Enrollments

380,149

Original Medicare Plans
(Part A and B)

307,464

Medicare Advantage & Other Health Plans

552,669

Stand-alone Medicare
Part D (Drug plans)

687,613

Total Medicare Beneficiaries
in Connecticut

Connecticut Medicare Advantage Plans (Part C)

More than 41% of Connecticut Medicare beneficiaries select Medicare Advantage plans.

Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.

The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Connecticut who already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare.

As of 2020, 41 Medicare Advantage plans are available in Connecticut. For such a compact state, this is a robust number of Medicare Advantage plans available. The average monthly Medicare Advantage premium in Connecticut changed from $26.33 in 2019 to $23.31 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in Connecticut. 100% of people with Medicare have access to a Medicare Advantage plan. According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 307,464 beneficiaries enrolled in Medicare Advantage and other plans in Connecticut.

Connecticut Medicare Supplement (Medigap) Insurance Plans

All of Connecticut’s Medigap plans are guaranteed-issue and community-rated at all times.

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.

According to the State of Connecticut’s Insurance Department, there are currently 13 insurers in Connecticut that offer Medigap plans.

Prices for Medigap plans do vary from one insurer to another, but Connecticut law (Chapter 700c, Section 38a-473) requires insurers to use community ratings. These rates cannot vary based on age, gender, or health status. These community-rated plans mean that all Medicare beneficiaries in the same zip code and enrolled in the same plan through the same carrier have the same premium.

Year-Round Medigap Open Enrollment in Connecticut

Although most states have a six-month open enrollment period when you first enroll in Medicare Part B, Connecticut is unique because there is year-round open enrollment for Medigap plans. You won’t ever have to go through medical underwriting, and you can sign up for a Medigap plan at any time and know that you’ll be approved.

Connecticut Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.

As of 2020, there are 281,759 Medicare beneficiaries in Connecticut enrolled in stand-alone Part D plans and 269,947 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 25 stand-alone Part D plans available in Connecticut, with premiums ranging from about $14 to $128 per month. All Medicare beneficiaries have access to a Medicare prescription drug plan. Nearly 34% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).

When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.

Local Medicare Health Plan Resources in Connecticut

  • Connecticut’s Program for Health Insurance Assistance, Outreach, Information and Referral, Counseling, Eligibility Screening (CHOICES): CHOICES helps Connecticut’s older adults and persons with disabilities with Medicare understand their Medicare coverage and healthcare options.
    Contact: 1-800-994-9422 to speak with a counselor in your area

  • Office of the Healthcare Advocate (OHA): OHA assists Connecticut residents with their health care coverage. The service can provide explanations about benefits, coverage, and programs, and offers assessments of the plans offered in Connecticut, including those in the Medicare Advantage program.
    Contact: 866-466-4446 to speak to a counselor who can provide information immediately. Complaints and requests for information about participant rights and options can be submitted online through the OHA complaint form.

  • Connecticut State Department of Aging: The programs, policies, and practices are designed to: Deliver integrated aging and disability services responsive to the needs of Connecticut citizens; Provide leadership on aging and disability issues statewide; Provide and coordinate aging and disability programs and services in the areas of employment, education, independent living, accessibility, and advocacy; Advocate for the rights of Connecticut residents with disabilities and older adults; and Serve as a resource on aging and disability issues at the state level.
    Contact: (800) 994-9422 or http://www.ct.gov/agingservices

The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Connecticut. Our process makes it easier for you to access your Medicare eligibility in Connecticut so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 327‑0148 anytime to get a free quote or to ask any questions.

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