Best Medicare Supplement Plans in Connecticut

Also called Medigap, Medicare Supplement Insurance in Connecticut is an essential supplemental insurance plan. This Medicare coverage helps to fill in the gaps that Original Medicare doesn't. Original Medicare comprises Part A and Part B. Part A: Hospital Insurance.

Part B: Medical Insurance

With a Medigap plan in Connecticut, the following will be covered:

– Medical expenses

– Supplies related to healthcare

– Copayments

– Deductibles

– Coinsurance

Five plans are the best supplemental insurance in Connecticut: Plan F, Plan G, Plan N, High Deductible Plan F, and High Deductible Plan G.

Best Plan G:

Cigna Medicare Supplement Plan G

– Cigna Medicare Plan G is the Medigap Plan in Connecticut to have

– Most comprehensive coverage for a beneficiary who starts after the effective date of 1/1/20

– This plan is even good for beneficiaries with pre-existing conditions.

– When compared to Plan F, Plan G is more affordable

Best Plan N:

Cigna Medicare Supplement Plan N

– Cigna Medigap Plan N does not cover Part B deductible

– Does not cover Part B Excess Charges

– Requires a copay of up to $20 for doctors visits and up to $50 for ER

Best High Deductible Plan G:

Mutual Of Omaha High Deductible Medigap Plan G

– Mutual Of Omaha High Deductible Medigap Plan G acts Like Plan F with an annual deductible to be met before coverage

– Reduced monthly rates like the high deductible Plan F

Best Full Coverage

Cigna Medicare Supplement Plan F

– Medicare Plan F has the most comprehensive benefit level in Connecticut

– Must have joined Medicare before 1/1/20

– Plan F includes both Medicare Part A deductible and Medicare Part B deductible

Find Plans in Your Area
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How Much Does Medicare Supplement Insurance cost in Connecticut?

The average cost will depend on community ratings, issue age, and attained age. Community rating is priced for beneficiaries of all ages, whereas issue age is based on the age at purchasing. As for attained age, premiums will increase as the Medicare beneficiary ages.

65-Year-Old Female Non-tobacco

Plan G $208.00 - $428.72

Plan N $169.00 - $275.04

When can I apply for a Connecticut 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.

When you are 65 or older, your enrollment begins when you have Part B. It can't be changed or repeated. Upon turning 65, your enrollment starts on the first day of the month of your birthday. This period is six months long. Enrollment with Part B will be needed.

If you are under 65, you may not be able to enroll. However, if you have a disease or syndrome, you will qualify for Medicare under the age of 65. Some states must sell Medigap policies, but these plans generally cost more.

Annual Election periods do not apply to Medicare supplement plans. They only apply to Part D Plans, Medicare Advantage, Aging into the Federal Medicare Program, Retiring from group coverage, or Losing a Medicare Advantage plan.

If you are receiving Social Security, the SSA will automatically sign you up and handle your enrollment for Medicare Part A and Medicare Part B at the age of 65. The federal Centers operate the Federal Medicare Program for Medicare & Medicaid Services.

Note: You have guaranteed issue rights, so an insurance company can't refuse to sell you a Medigap policy, especially if a Medicare Advantage Plan leaves Medicare or stops providing in your area or you move out of the plan's service area.


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 most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare plans. Call us 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. We educate you on the best Medicare Plans for your situation, then let you decide.

Key Takeaways

  • Medicare Supplement plans in Connecticut for 2022 offer coverage for the costs not paid by Original Medicare.
  • There are 10 Medicare Supplement plans in Connecticut to choose from.
  • In Connecticut, Medicare Supplement Plan G is the most popular plan for 2022.
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