Connecticut Medicare Supplement (Medigap) plans have special laws not found in most states. All plans must be community-rated and they offer open enrollment year-round in the Constitution State. This means if you’re 65 or 85 in CT, you’ll technically pay the same rate AND can enroll nearly anytime you want. Additionally, in certain cases, Connecticut doesn’t permit excess charges. All these Connecticut-specific rules make Medigap plans super accessible but somewhat pricey. Senior65.com will show you ways to save money and get the most out of your Connecticut Medigap.
Connecticut community-rated Medigap plans explained
Connecticut’s community-rated Medigap rules require insurance providers to charge the same rate to everyone, regardless of age. Insurance companies are allowed, however, to set their own community-rated price so it is important to see prices from multiple insurance carriers before you buy. You can get instant Medigap CT prices here without speaking to a representative.
Since Community-rated plans have to offer one price for everyone, they are usually priced higher than “age-attained” plans in other states which charge more as members get older. One workaround that some insurance providers offer is called a “community-rated plan with discount.” Those on a “community-rated plan with discount” Medigap plan may receive a 30% discount when they first sign up. Each year the discount is reduced by a certain percentage (like 3%) until the discount goes away. Most people on “Community Rated plans with discounts” start off with lower prices but see their prices go up each year as their discount goes away. Contact Senior65.com at 800-930-7956 to see which plans offer community-rated with discounts and if they are right for you.
Connecticut Medigap is ALWAYS guaranteed issuance
In most states, you are only guaranteed to be approved for Medigap under certain circumstances such as right after you initially enroll in Medicare Part B. In Connecticut, however, you can enroll in a Medigap plan at any time of the year with guaranteed issuance (approval). You cannot be denied or charged more due to age, gender, or pre-existing conditions. This is a very special option for Connecticut Medigap that is only available in a few states.
If you do not have creditable coverage (a health plan that offers minimum benefits) at the time of enrollment, your CT Medigap plan may apply a 6-month waiting period to cover your pre-existing conditions. You will still have coverage for any new health issues or emergencies that come up.
CT Medigap Plans can be Pricey
Due to Connecticut Medigap’s guaranteed issuance and community-rated pricing rules, plans can be pricey. Make sure to compare letter plans and insurance providers to get the best rate.
One trick we recommend, if you find that the popular Medigap plan G is too expensive in CT, is to consider Plan G High Deductible and Medigap Plan N for lower-priced Medigap options.
Comparing Connecticut Medigap Plans
The following Connecticut chart showcases 8 Medigap plans (and how they cover annual Medicare Part A & B costs) available to those who qualified for Medicare Part B after 2020. Medigap Plans C and F are only available for those who became Medicare Part B eligible prior to January 1, 2020.
| Benefits | A | B | D | G* | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,676) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($257) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,200 | $3,610 |
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*Medigap Plan High G offers the same coverage as Medigap Plan G but with a deductible.
CT Medigap for Under 65
If you enroll in Medicare before age 65 due to a disability, you are able to enroll in Medigap Plan A, B, C, or D at the best rate and without Medical underwriting. Note: if your Medicare Part A was active after 2020 you would not be able to enroll in Medigap D. Learn more about Medigap for those under 65 here.
Connecticut Medigap Most Popular Plan
In CT, over 150,000 people have a MedSup plan, according to America’s Health Insurance Plans (AHIP). Plan F continues to dominate in total enrollees, but since it’s closed to newcomers, Plan G has stepped in as the second favorite, with more than 35,000 enrollees since 2020. All about Connecticut Medigap Plan G! Click here to explore its perks, FAQs, and costs in one easy guide.
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Medigap discounts for Connecticut
To save money, we have compiled the most used Connecticut discounts available. Click on each to learn more:
- Medigap Autopay discount
- Household Medigap discount
- Connecticut Medigap Roommate Discount
- Community Rated with Discount (mentioned above)
CT Medicare beneficiaries CAN be charged Part B Excess Charges
Many doctors and facilities charge patients an extra 15% not covered by Medicare. These extra charges are called Excess Charges and are totally legal. Medicare beneficiaries pay Part B Excess charges unless if they have Medigap Plan F or G. Plan G covers all excess charges of up to 15% more than the Medicare-approved amount.
There has been misleading information that Connecticut Medicare beneficiaries cannot be charged for Part B Excess charges. This is not true! Only those who are in the “Qualified Medicare Beneficiary” level of the Medicare Saving program do not pay Part B Excess Charges. Source: CT.gov
Switching Medigap Plans in Connecticut: Birthday Rule
Some states have implemented the Medigap Birthday Rule, which allows for Medicare Supplement changes without medical underwriting. Connecticut already has specific rules that make changing policies easy so they do not need or have a birthday rule. Read our detailed article, “Medigap Switching In Connecticut: No Health Questions At Any Time,” for more information. If you already have a policy and are thinking about switching, you can contact Senior65.com through this link for free advice.
You can (likely) keep your CT Medigap plan if move out of state
You can keep your Connecticut Medigap plan if you move to another state. Medigap plans are portable and you can access Medicare’s national network no matter where you live (Source). It will work in your new state just like it does in CT and there is no need to reapply in most cases. Your Medigap price may increase if you end up living in another state in the future.
Next steps for Connecticuters
For a quote or further questions on Connecticut plans, call one of our licensed agents a call at 800-930-7956.
Our agents can NOT charge you a fee for a quote or enrollment.