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Medicare in Connecticut

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If you’re a Medicare beneficiary in Connecticut, you may be wishing you could find a brief, simple summary of Medicare and its plan options. We hope this article will meet your needs.

The federal program for qualified Americans and legal residents is called Original Medicare. This program includes Part A (hospital insurance), and Part B (medical insurance). Original Medicare doesn’t cover prescription medications in most situations. Part A may cover prescription drugs you receive as a hospital inpatient as part of your treatment. Part B may cover certain prescription drugs administered to you as an outpatient (usually those you wouldn’t take on your own at home).

You may be able to add to your Original Medicare coverage

You may have some Medicare plan options in Connecticut beyond Original Medicare. Note that not every Medicare plan option may be available in your county in Connecticut.

If you stay with Original Medicare, you may be able to add more optional coverage in either or both of these ways:

  • Sign up for a stand-alone Medicare Part D Prescription Drug Plan to help cover your medication costs. Medicare Prescription Drug Plans are available from private insurance companies approved by Medicare. Although this coverage is optional, if you don’t sign up for it when you’re first eligible for Medicare, you could pay a late-enrollment penalty if you decide to get prescription drug coverage later on.
  • Buy a Medicare Supplement (Medigap) insurance plan to work alongside your Original Medicare coverage.

Or, you may be able to get your Original Medicare coverage in a different way, through a Medicare Advantage plan. Available from private, Medicare-approved health insurance companies, Medicare Advantage plans provide the same benefits you get from Medicare Part A and Part B (except hospice care, which Medicare Part A still covers). Medicare Advantage plans often have additional benefits, such as vision care, fitness programs, and prescription drug coverage. If you sign up for a Medicare Advantage Prescription Drug plan, you can get all your Medicare benefits in a single plan.

No matter what type of Medicare Advantage plan you may enroll in, you must keep paying your Medicare Part B premium, along with any premium the plan may charge.

As of 2018, there were 660,706 Medicare beneficiaries in the state of Connecticut, according to the Centers for Medicare and Medicaid Services (CMS). To help residents navigating their Medicare plan options, the state has provided a number of resources.

Medicare resources in Connecticut

State Department on Aging – The State Department of Aging is a division of the Connecticut Department of Social Services. This office is responsible for providing support and services to the senior population of Connecticut. As a part of those services, the State Department on Aging offers information and assistance with Medicare plans in Connecticut to help beneficiaries get the coverage they need. The State Department of Aging offers the following programs:

  • Choices Program – Offers education about a variety of health-care subjects, including Medicare, with links to relevant information.
  • Senior Medicare Patrol – Also referred to as SMP, this program offers information and support on Medicare fraud protection and reporting billing and claim errors.
  • Legal Services – Provides a wide range of legal help to Connecticut seniors, including information about Medicare.

Department of Social Services – The broader Department of Social Services also provides support to Medicare beneficiaries in Connecticut. The office has a variety of resources on the state’s Medicare Savings Programs, which provide assistance to state residents who are unable to afford their health care coverage on their own. Three different programs are currently offered in the state to help qualifying beneficiaries pay their premiums on their Medicare Part B coverage. Connecticut residents must qualify for the various programs, based on factors such as their monthly income.

Connecticut Insurance Department – The Connecticut Insurance Department offers information and guidance to both consumers and the insurance industry within the state of Connecticut. Their primary mission is to regulate the local insurance industry so that residents of the state can find affordable insurance options. As a part of their responsibilities, the department provides basic information about Medicare, private insurance plans, and how to shop for insurance coverage. Links to other state offices, including the Connecticut Choice program, are also included on this website, as well as links to national offices for Medicare and Medicaid.

Medicare statistics in Connecticut

Here are some interesting statistics regarding Medicare in Connecticut as of 2018, as reported by the Center for Medicare and Medicaid Services:

  • There were 235,413 Medicare beneficiaries (36% of beneficiaries) enrolled in Medicare Advantage plans and other health plans.
  • More specifically, 221,596 of these beneficiaries had Medicare Advantage Prescription Drug plans.
  • 30 Medicare Advantage plans were available
  • 100 percent of people with Medicare in Connecticut had access to a Medicare Advantage plan
  • 22 Medicare prescription drug plans were available
  • $12.60 is the lowest monthly premium for a Medicare prescription drug plan

Statistical data from the Centers for Medicare & Medicaid Services, “Medicare Enrollment Dashboard”; and “2018 MA Part D Landscape State-by-State Fact Sheet”

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.

The product and service descriptions, if any, provided on these eHealth Insurance Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.

Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year.

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