Top Rated Medicare Advantage Plans in Connecticut
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Finding the Top Medicare Advantage Plan in Connecticut Starts Here
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Connecticut, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Connecticut, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.
Table of Contents
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Unveiling the Standout Medicare Advantage Plans in Connecticut
Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Connecticut based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
There are no 5-star plans in Connecticut in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Connecticut come from:
MedicareWire recommends that you evaluate the plans offered by these Connecticut health insurance companies, before all others, for this single reason. More stars awarded by CMS typically means members get better results. So, for instance, five-star plan members might receive better service, phone support, and care than those who have a four-star plan.
TIP: Everyone's personal situation is different. And so are Connecticut's Medicare Advantage plans. That's why it is so important to understand Medigap vs Medicare Advantage plans.
Complete List of Connecticut's MA Plan Companies
Connecticut's Medicare Advantage plans are offered by 8 plan providers, including:
- Aetna Medicare
- Anthem Blue Cross and Blue Shield
- CarePartners of Connecticut
- Cigna Healthcare
- ConnectiCare
- Humana
- UnitedHealthcare
- Wellcare
Connecticut's Top-Rated Plans
Here's a list of the best Medicare Advantage plans available in Connecticut, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Connecticut
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
The top providers listed above do not tell the full story. That's because your Connecticut County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Top-Rated Medicare Advantage Plans in Connecticut by County
Choose your Connecticut County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Connecticut
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Consider Your Expected Utilization
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Evaluate Your Prescription Costs
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Connecticut Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Requirements
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Review Your Healthcare Network Considerations
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Connecticut shoppers, finding a plan that their doctors accept is exhausting. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
The average cost of a Medicare Advantage plan in Connecticut is $nan. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What are Medicare Advantage plans required to cover?
At a minimum, every Medicare Advantage plan sold in Connecticut must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.