Top Medicare Advantage Plans in Connecticut for 2024
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2024 Medicare Advantage Open Enrollment Begins October 15
Be the first to know about the best new plans in Connecticut for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.
Connecticut's Finest Medicare Advantage Plans: How to Find Yours
If you live in Connecticut and you're thinking about enrolling in a 2024 Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more 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
The Centers for Medicare & Medicaid Service (CMS) rates and reviews Connecticut's Medicare Advantage plans based on a 5-star rating scale. Information from members and data provided by plans is used to determine a plan's star rating.
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 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 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 Ranked Plans in Connecticut
Here are the top-ranked Medicare Advantage plans in Connecticut, according to the Centers for Medicare & Medicaid Services:
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 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Connecticut County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Connecticut by County
Choose your Connecticut County below to see the best (and the worst) plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
Navigating Your Options: How to Select the Best Medicare Advantage Plan in Connecticut
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Consider Your Expected Utilization
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.
2. Review Your Drug Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Connecticut Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure 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. Think About Your Preferred Healthcare Providers
Most Medicare Advantage plans available in Connecticut use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the pros and cons 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?
On average, the cost of a Medicare Advantage plan in Connecticut is $27.03 (based on 2023 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What do Medicare Advantage plans include?
All Medicare Advantage plans offered in Connecticut must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
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