Seniors from Connecticut who choose to enroll in a Medicare Advantage Plan have good options. Medicare Advantage is government approved private health insurance that you can purchase to replace your Original Medicare private-fee-for-service benefits.
Some rural areas don’t offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
How-To Enroll in a Connecticut Medicare Advantage Plan
Most Connecticut seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
You have three different enrollment options. If you know the plan you want, you can call a plan directly. This makes enrollment quick and easy.
The www.Medicare.gov website is your second option. The government website allows you to compare plans, find doctors, look up your medications, and start your application on-line.
The third and final opion is an independent health insurance agent. This is the best way to go if you need someone to help advise you. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
Connecticut Medicare Advantage Plans vs. Original Medicare with a Medicare Supplement
If you are concerned that a Medicare Advantage plan could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. Connecticut Medicare Supplemental Insurance and a Connecticut Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, visit our Connecticut Medigap Plans page. All Medicare Supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
About Our 2015 Medicare Advantage Health Insurance Data for Connecticut
The Medicare insurance data published by MedicareWire.com is received from public data files provided by the U.S. federal government. We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. Only a licensed health insurance agent can give you a binding quote.For more information about the Medicare program, visit http://cms.gov. This page was last updated on 9/13/2015.