Connecticut Medicare Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Connecticut.
Medicare Supplement (Medigap) Policies
The state of Connecticut is one of 25 states that does require insurers to sell Medicare Supplement Insurance policies to people under the age of 65, according to the Centers for Medicare and Medicaid Services (CMS).
Mini-COBRA (Small Group)
The state of Connecticut does mandate continuation coverage for small employers, defined in the state as groups of under 20. Read more details here.
Connecticut’s Medicare Savings Program
These are the Medicare Savings Programs in Connecticut that provide assistance for paying Medicare Part B premiums.
*The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- *Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and couples under $1,355, the state pays all premiums for Medicare Part B.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1,208 or couples under $1,622, the state pays premiums for Medicare Part B.
- *Qualified Individuals (QIs): The state will pay Medicare Part B premiums for individuals with income under $1,357 per month or for couples with a combined income under $1,823 per month.
- *Qualified Disabled and Working Individuals (QDWIs): For individuals with income under $4,045 per month or couples under $5,425 per month, the state pays premiums for Medicare Part A.
*Data from medicare.gov
**According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
State Health Insurance Assistance Program (SHIP)
Your local Connecticut SHIP Program CHOICES, which in Connecticut is a program that exist for Health insurance assistance, Outreach, Information and referral, Counseling, Eligibility Screening is available to help you understand your Medicare benefits. CHOICES is a confidential, one-on-one Medicare beneficiary counseling service in the state of Connecticut.
The CHOICES program provides education, counseling, and information concerning:
- Medicare (Parts A and B)
- Medicare Advantage Plans (Part C)
- Medicare Prescription Drug Plans (Medicare Part D)
- Medicare Supplement Insurance (Medigap)
- Prescription assistance programs
- Long-term care
- New to Medicare: enrollment dates and information
- Low-income assistance programs (i.e., Medicaid)
CHOICES also provides advocacy for Medicare beneficiaries on claim questions and disputes. SHIP has hundreds of trained and certified volunteers who assist statewide and is funded by a grant through the CMS.
Low-Income Subsidy (Extra Help) for Prescription Drugs
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple) and up to $13,640 in resources ($27,250 for a married couple).
If you are a resident of Connecticut, consult with one of our MedicareSolutions.com licensed sales agents, who can provide you with personal assistance specific to your circumstances. We can help you compare plans in your area and find the Medicare insurance benefits that are the right fit for you and your needs.