Best Medicare Advantage Plans in Connecticut for 2023
Find Plans in your area with your ZIP Code
Are you considering enrolling in a Medicare Advantage plan in Connecticut? You're in good company. In 2023, more than 31 million people are expected to get a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers.
If you’re looking for the best Medicare Advantage plan in your Connecticut community, that suits your individual needs, MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. is here to assist. Using the overview of the Connecticut market below, you will get a clear understanding of your top plan options, who the top-rated plan providers are, and how much you should expect to pay each month for a plan.
NOTE: Our analysis does not include Connecticut's Medicare Advantage SNP Plans. We evaluate these plans separately. We also did not include plans without Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... benefits, employer plans, or Medicare-Medicaid Plans (MMPs).
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Who Has The Best Medicare Advantage Plans in Connecticut?
Every year, the Centers for Medicare & Medicaid ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs. (CMS) rates all Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). 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 2023. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Connecticut come from:
- Humana
MedicareWire recommends that you evaluate the plans offered by these Connecticut providers, 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 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 the downside to Medicare Advantage plans.
Complete List of Connecticut's 2023 Medicare Advantage Plan Providers
Connecticut has 8 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Anthem Blue Cross and Blue Shield
- CarePartners of Connecticut
- Cigna
- ConnectiCare
- Humana
- UnitedHealthcare
- Wellcare
Top Connecticut Medicare Advantage Plans by CMS 5-Star Score in 2023
According to the Centers for Medicare & MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. Services, here are the top 2023 Medicare Advantage Plans available in Connecticut:
Top Medicare Advantage Plans in Connecticut
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Humana | H5216-288 | HumanaChoice H5216-288 (PPO) | $19.00 | $4,800 | 4.5 |
| Humana | H5216-289 | HumanaChoice H5216-289 (PPO) | $0.00 | $4,800 | 4.5 |
| CarePartners of Connecticut | H5273-001 | CarePartners of CT CareAdvantage Preferred (HMO) | $0.00 | $4,900 | 4.0 |
| CarePartners of Connecticut | H5273-002 | CarePartners of CT CareAdvantage Prime (HMO) | $39.00 | $4,900 | 4.0 |
| UnitedHealthcare | H0755-030 | UnitedHealthcare Medicare Advantage Plan 1 (HMO-POS) | $84.00 | $4,700 | 4.0 |
| UnitedHealthcare | H0755-031 | UnitedHealthcare Medicare Advantage Plan 2 (HMO-POS) | $25.00 | $6,000 | 4.0 |
| UnitedHealthcare | H0755-033 | UnitedHealthcare Medicare Advantage Plan 3 (HMO-POS) | $0.00 | $6,700 | 4.0 |
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 MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage., Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best 2023 Medicare Advantage Plans by Connecticut County
Choose your Connecticut County below to see the best (and the worst) 2023 plans.
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How to Find the Best Medicare Advantage Plan Available in Connecticut
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment PeriodThe Annual Enrollment Period is when Medicare beneficiaries can join, drop or change Medicare Advantage and Medicare Part D prescription drug plans. AEP begins on 15 October and ends on 7 December., there are a number of details you need to consider when comparing your options.
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 premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. . Be aware that these plans often have higher copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service. 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. 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
For many people, prescriptions are what drive up their healthcare costs the most. And, because most Medicare Advantage plans include Part D benefits for your prescriptions, you need to make sure the plan you choose covers your medications at a price you can afford.
3. Understand Your Additional Coverage Needs
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. benefits do not.
4. Consider Your Healthcare Providers
Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Connecticut tell us it's difficult to find a plan their doctor accepts. We can help!
Should I Choose an HMO or PPO plan?
There are many plan options available when shopping for Medicare Advantage plans in Connecticut, including HMO and PPO options. These are some of the differences you should consider before making a plan selection.
- With an HMO you may pay less out-of-pocket, but you will need to choose a primary physician to coordinate your care. Referrals for specialists are often required. Except in an emergency, you must remain within the provider network.
- With a PPO you are not required to get referrals for specialty care. You have the option to get health care outside of the plan's provider network. However, typically you will pay more and the out-of-pocket maximum for out-of-network care will be higher.
Need help choosing? Call 1-855-728-0510 (TTY 711) for plan assistance. There's no obligation.
Find Plans in your area with your ZIP Code
Frequently Asked Questions
Still have questions? These common questions and answers might help. Or, call 1-855-728-0510 (TTY 711) to speak with a licensed advisor.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
A Medicare Advantage plan in Connecticut costs an average of $27.03. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments..
What do Medicare Advantage plans include?
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 AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. covers 80% of hospital stays, skilled nursing, home health careHealth care services and supplies a doctor decides you may receive in your home under a plan of care established by your doctor. Medicare only covers home health care on a limited basis as ordered..., and hospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. 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.
Methodology and Sources
Our analysis of the top-rated Medicare Advantage plans in Connecticut excludes employer group plans, Medicare-Medicaid Plans (MMPs), Medicare Savings Account Plans (MSAs), Special Needs Plans (SNPs), and plans that do not include Part D benefits.
CMS rates health plans in several categories, including delivery of health care, member experience and customer service. When comparing plan ratings, we use state-specific data, not CMS' nationwide figures.
Medicare Advantage plan data is sourced from CMS public use files (see: Citations & References). When needed, we combined affiliated companies to calculate insurer averages.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed October 15, 2022
- Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage in 2022: Enrollment Update and Key Trends", Last Accessed August 25, 2022
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 19, 2022
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 1, 2022
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
This Medicare Advantage state information page was last updated on .