Medicare Advantage Plans in Connecticut

Also known as Medicare Part C or MA, Medicare Advantage plans in Connecticut are health insurance policies that provide Medicare benefits through a private insurance company. Medicare Advantage is an alternative to Original Medicare coverage.

Medicare Part C beneficiaries pay their insurance company one monthly premium for their Medicare coverage.

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Top-rated Medicare Advantage Plan Providers in Connecticut

Popular Medicare Advantage Plan Types in Connecticut

Best for network freedom: Medicare Advantage PPOs

  • PPO plans allow Medicare beneficiaries to use a more extensive network of providers for health care services.
  • PPO plans do not require referrals from primary care physicians.
  • Monthly premiums range from $0 to $100.00.

Best for lower out-of-pocket costs: Medicare Advantage HMOs

  • HMO plans typically carry $0 monthly premiums.
  • HMOs require referrals to help lower out-of-pocket costs.

Best for beneficiaries with low income or health issues: Medicare Advantage SNP

  • SNPs, or Special Needs Plans, focus on those with limited incomes or chronic illnesses like an end-stage renal disease.
  • Those eligible can have both Medicare and Medicaid coverage. This helps them lower other costs like copays, coinsurance, premiums, and deductibles.

Connecticut Enrollment Facts:

  • Total people with Medicare Advantage coverage in Connecticut: 303,909
  • People enrolled in Local HMO plans: 155,409
  • People enrolled in Local PPOs: 70,243
  • People enrolled in Regional PPOs: 3,961
  • The percentage of Medicare beneficiaries enrolled in Medicare Advantage in Connecticut: 44 percent.
  • The number of people enrolled in Medicare Advantage nationwide is expected to reach 29.5 million in 2022.
  • The percentage of Medicare beneficiaries enrolled in Medicare Advantage nationwide is 42 percent.

How much does Medicare Advantage in Connecticut cost?

In Connecticut, if you are eligible for Medicare coverage, you can enroll in an HMO plan with a $0 premium. You may also find a PPO with zero premium, although they are less common.

Connecticut Medicare Advantage plans with prescription drug coverage have an average monthly premium of $38.00. In addition, the average deductible is $175.00 per year.

How much do Advantage Plans cost in Connecticut?

PPO Plan $0.00 to $38.00

HMO Plan $0.00

When can I enroll in a Medicare Advantage plan?

1. During the Initial Enrollment Period

When you are 65 years old and:

  • Receiving Social Security retirement benefits
  • IEP begins three months before the month of your 65th birthday and ends three months after that month.

When you are younger than 65 and:

  • Receiving Social Security or RRB disability benefits
  • Have an end-stage renal disease or ALS
  • IEP begins three months before the 25th month of receiving disability benefits and ends three months after that month.

2. During the Open Enrollment Period (OEP) or Annual Election Period (AEP)

In Connecticut, during OEP, you can enroll in a new Medicare Advantage plan, switch to a different one, return to Original Medicare Part A and Part B, and enroll in a stand-alone Medicare Part D plan.

The AEP is from October 15 to December 7, and changes start on January 1.

3. During the Medicare Advantage Open Enrollment Period

From January 1 to March 31, you can return to Original Medicare or enroll in a different Medicare Advantage plan. Changes made kick in the first day of the month following the change.

4. During Special Enrollment Periods

If you qualify, you can enroll in Medicare Advantage, Medicare Part D or make changes to health care plans.

Contingencies for special enrollment:

  • Moving into a new service area
  • Moving back to the U.S.
  • Moving to or from skilled nursing or long-term care facilities
  • Release from jail
  • Loss of Medicaid coverage or gaining dual eligibility for Medicare and Medicaid
  • Medicare ends or does not renew your plan
  • Switching to Medicare Advantage from Original Medicare and Medigap

5. During the five-star Special Enrollment Period

If a Medicare Advantage plan with a five-star rating is newly available in your service area, you can switch over to that coverage.

6. During the Special Enrollment Period for the “Extra Help” program

If you are in the Extra Help program or Medicaid, you can change coverage during one of the following enrollment periods:

  • January – March
  • April – June
  • July – September

Medicare Advantage Highlights:

More details about Medicare Advantage in Connecticut:

  • Medicare Advantage plans are lawfully obligated to cover the same benefits as Medicare Part A and Medicare Part B.
  • Part C enrollees must also pay their Part B premiums for Medicare Advantage eligibility.
  • The standard monthly Medicare Part B premium for 2023 is $164.90.
  • The annual Part B deducible for 2023 is $226.
  • Medicare Advantage plans in Connecticut are becoming more popular every year.
  • Most Part C health plans and benefits are linked to network providers, including doctors, medical facilities, suppliers, hospitals, and pharmacies.
  • Medicare Advantage Prescription Drug plans (MAPDs) provide prescription drug coverage and other Medicare benefits.
  • Medicare Advantage plans in Connecticut may include extra benefits.
  • Enrollees have options for vision, dental, and hearing care coverage; fitness and wellness club memberships; over-the-counter medication allowances; transportation to and from medical visits; and meal delivery services.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

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