Medicare Advantage Plans in Connecticut
Find affordable Medicare plans in Connecticut
What are Medicare Advantage plans?
If you’re a Connecticut resident who’s eligible for Medicare (or if you will be eligible soon), you may want to explore some of your Medicare plan options, such as Medicare Advantage.
Original Medicare is the government health insurance program for those who qualify by age or disability. Original Medicare includes Part A (hospital insurance) and Part B (medical insurance).
Medicare Advantage (also called Medicare Part C) offers the option of receiving your Medicare Part A and Part B benefits through a private, Medicare-approved health insurance company. Medicare Advantage plans provide everything that Part A and Part B include (except for hospice care, which is still covered under Medicare Part A) — and may offer additional coverage, such as prescription drug coverage and routine hearing care.
As a beneficiary in Connecticut (as in any state), you can get all your Medicare coverage through a single Medicare Advantage plan, and many plans include prescription drug coverage. No matter what type of Medicare Advantage plan you sign up for, you still need to continue paying your monthly Medicare Part B premium, along with any premium the plan may charge. Please note that availability of Medicare Advantage plans may vary depending on where in Connecticut you live. Also, the specifics of the plans may vary, such as costs, and coverage details (beyond Medicare Part A and Part B).
When you’re enrolled in a Medicare Advantage plan, you’re still enrolled in the Medicare program.
Prescription drug coverage with a Medicare Advantage plan in Connecticut
Some Medicare Advantage plans in Connecticut (as in other states) also include prescription drug coverage. These plans, also referred to as Medicare Advantage Prescription Drug plans, combine both medical services and prescription medications into one plan. If a Medicare Advantage plan does not include prescription drug coverage, you might have the option of enrolling in a stand-alone Medicare Part D Prescription Drug Plan, but make sure your Medicare Advantage plan doesn’t include prescription drug coverage first. Call your Medicare Advantage plan provider if you have coverage questions.
If you’re enrolled in a Medicare Advantage Prescription Drug plan in Connecticut (or any state), Medicare generally does not allow you to double up coverage by adding a stand-alone Medicare Part D Prescription Drug Plan. If you try to add the stand-alone plan, you might be dropped from your Medicare Advantage Prescription Drug plan and returned to Original Medicare.
Choosing a Medicare Advantage plan in Connecticut
Because Medicare Advantage plans in Connecticut may vary somewhat in terms of coverage and costs, you may want to think about your needs and budget before you carefully compare plans.
The cost for a Medicare Advantage plan in Connecticut will vary based on the specific location where the plan is offered and the coverage included in the plan. Medicare Advantage plans generally vary from county to county and additional benefits can impact the cost of the plan chosen. For example, a plan that includes vision care or prescription drug benefits may cost more than one that does not include this coverage.