Compare the Best Medigap Plans in Connecticut for 2025
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If you’re a Connecticut resident with Original Medicare, boosting your Part A and B coverage is easy with one of the best Medigap plans in Connecticut. With ten plan options available to help minimize your out-of-pocket costs, selecting the right plan for your healthcare and budget needs is simpler than ever.
On this page, you'll find the leading Connecticut Medicare Supplement and insurance companies for 2025.
Top 3 Best Medigap Plans in Connecticut for Full Coverage Options
For Medicare enrollees in Connecticut, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.
Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in Connecticut.
Medigap Plan F in Connecticut
For those looking for the highest level of coverage, Medigap Plan F is an excellent option. It covers nearly all Medicare-related expenses, including both Part A and Part B deductibles, making it the best Medicare Supplement plan for those wanting maximum protection. Find out more about the differences between Plan F and Plan G and find out if a High-Deductible Plan F is a good fit for you.
Required Benefits of Plan F in Connecticut
Medigap Plan G in Connecticut
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in Connecticut
Medigap Plan N in Connecticut
For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.
Required Benefits of Plan N in Connecticut
Average Costs for Medigap Plans in Connecticut
Plan costs in Connecticut are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Connecticut:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in Connecticut
Medicare Supplement costs in Connecticut are determined by several key factors, such as:
- Age: Premiums tend to increase with age.
- Gender: Gender can impact premium rates, with women sometimes paying lower rates.
- Tobacco Use: Smokers will generally pay more for their coverage.
- Location: Regional variations in Connecticut can affect how much you pay for coverage.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
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Compare All Medicare Supplement Plans in Connecticut
If you want to see how all Medicare Supplement Insurance plans sold in Connecticut stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Connecticut and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Connecticut
Enrolling in a Medigap plan in Connecticut requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Follow these simple steps to get Medicare Supplement coverage in Connecticut:
- Review Your Options: Compare the Medigap plans offered in Connecticut and select the one that best meets your needs.
- Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
- Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
- Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.
Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.
Frequently Asked Questions About Medigap in Connecticut
How does Medigap differ from Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket costs, while Medicare Advantage plans are an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans after enrolling?
Yes, but you may need to go through medical underwriting unless you qualify for guaranteed issue rights or special circumstances. Learn more about changing Medigap plans.
Do Medigap plans cover prescriptions?
No, Medigap plans don’t include prescription drug plans. You’ll need a separate Medicare Part D plan for that coverage.
What costs can I expect with Medigap plans?
In addition to the premium, you may encounter other costs like deductibles, copayments, and coinsurance, depending on your chosen plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023