Best Medicare Supplement Plans in Connecticut

There are ten Medicare Supplement Insurance plans in Connecticut available to Medicare beneficiaries. These plans help to fill in the gaps that Original Medicare doesn't cover.

• Of the ten Medicare Supplement plan options, we found Medicare Supplement Plan G to be the best plan for those wanting the most comprehensive coverage. Cigna offers the most competitive Plan G rates at $315.97 per month.
• We also found Medicare Supplement Plan N is another high value option, offered by Cigna at $158.43 per month.
• For those wanting the lowest possible monthly rate, Mutual of Omaha offers High Deductible Plan G at $55.00 per month. The trade off for this lower monthly premium is a deductible of $2,700 per year.

Below is a highlight of the most popular plans and their benefits.

What's the Best Medicare Supplement Company in Connecticut?

Based on our review of several key factors, Cigna is the best Medicare Supplement company in Connecticut.

While Cigna Medigap plans tend to be more affordable in Connecticut, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Cigna that are also available in Connecticut, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Connecticut?

The best price for Medicare Supplement Plan G in Connecticut is $315.97 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

When Can I Apply For a Medicare Supplement Plan?

You can apply within the six-month Medigap Open Enrollment Period. This will be the best time to gain your Medicare benefits. In addition, during this enrollment period, pricing and plan options from a Medicare insurance company are better. This period can't be changed or repeated. This period is six months long and starts the month that you have Medicare Part B coverage and are 65 or older. If you are under 65, you may not be able to enroll. However, if you have a disability or syndrome, you may qualify for Medicare under the age of 65, depending on the state, because several states must sell Medigap policies. These plans generally cost more.

Outside the Medigap Open Enrollment Period

Once your Medigap Open Enrollment Period ends, your application is reviewed by a medical underwriting team assigned to evaluate risk. Private insurance companies can approve policies at higher rates or deny coverage altogether.

This is not applicable if you have guaranteed issue rights, which can be applied in situations such as a retiree losing coverage or having a plan that no more extends services in your area. These unique situations are called Special Enrollment Periods.

FAQ:

When Can I Change Medigap Plans?

Changing Medigap plans can be done any time of the year. If you apply outside of your initial enrollment period, you can be denied or have your rates increased due to medical issues. However, with Medigap plans, you can try out a plan and change it any time you want.

Can I Be Denied Medigap Coverage?

No. In Connecticut, you cannot be denied coverage for a Medicare Supplement insurance policy unless you are outside an enrollment period. Even then, the insurer may accept you at a higher premium.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.