Connecticut Supplement Plans are similar to all other states in which they help supplement coverage and provide coverage in areas that Original Medicare does not. Medicare Supplement Plans, or Medigap, help to cover Medicare Part A and Part B but do not cover Part D. Plans are standardized by Medicare but are provided by private health insurance companies. To receive the benefits of Connecticut Supplement Medicare plans, you must be eligible for Medicare and be enrolled in Medicare Part A and Part B.
Another Medicare option in Connecticut is to enroll in a Medicare Advantage Plans, or Part C. Medicare Advantage plans cover Part A, Part B, and Part D of Medicare and are run by private insurance companies but approved by Medicare. If you choose a Connecticut Medicare Advantage plan, you do not need to buy Medicare Supplemental Insurance. Medicare Part C is a lower cost alternative to the Original Medicare plan and offers more benefits.
Medicare Health Insurance Providers
How do I choose the Connecticut Medicare health plan that's right for me?
As with any purchase, there are many things you need to consider when shopping for a Connecticut Medicare Health Insurance plan. Evaluate the benefits you want and need out of your Connecticut Medicare Health Insurance plan. Some things to think about are:
- Monthly premium costs
- Annual Deductible
- Prescription drug benefits
- In-network physicians and hospitals
- Preexisting conditions
- Hospitalization expenses
- Skilled Nursing Coverage
- Hospice and In Home Recovery
Medicare Health Insurance Plans
Medicare is classified into four different categories:
- Medicare Part A:
Part A covers Hospital Insurance and gives financial assistance for inpatient care. Part A also partially covers skilled nurses, hospice, and home health care under certain conditions.
- Medicare Part B:
Part B covers necessary medical services such as outpatient care and doctor services. Some preventative care is also covered to maintain your healthy status and minimize the chances that other illnesses might become more severe.
- Medicare Part C:
Part C is a Medicare Advantage Plan. It combines Part A and Part B and in some instances, it also combines Part D. Medicare Part C plans are privately managed by insurance companies approved by Medicare. The plans cover necessary medical services, although, these plans have co-payments, coinsurance, and deductibles that can vary.
- Medicare Part D:
Part D provides assistance covering prescription drugs. The coverage will vary depending on the plan, but it may help lower your prescription drug costs and help prevent high costs in the future.