Connecticut Medicare Insurance Plans

Medicare Supplement (Medigap) Policies

The state flag of Connecticut | Connecticut Medicare Insurance Plans

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).

High Risk Pool

Connecticut has stopped accepting new enrollments as of December 1, 2013. New enrollees are encouraged to voluntarily enroll in the state insurance marketplace, known as Access Health CT. Individuals eligible to enroll in Access Health CT under the Special Enrollment Period include those who have lost minimum essential coverage due to a job loss, divorce, discontinued eligibility for either Medicaid or CHIP, expired COBRA coverage, or a plan that has been decertified.

Mini-COBRA (Small Group)

The state of Connecticut does mandate continuation coverage for small employers, defined in the state as groups of under 20.

Connecticut’s Medicare Savings Program

There are three Medicare Savings Programs in Connecticut that provide assistance for paying Medicare Part B premiums:

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $2,053.03 and couples under $2,766.21, the state pays all premiums for Medicare Part B.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $2,247.63 or couples under $3,028.41, the state pays premiums for Medicare Part B.
  • Additional Low-Income Medicare Beneficiaries (ALMBs): For individuals with income under $2,393.58 or couples under $3,225.06, the state pays premiums for Medicare Part B.

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

  • As of March 1, 2013, the low-income subsidy for prescription drugs (Extra Help) in the state of Connecticut is $6.30.

If you are a resident of Connecticut, consult with one of our insurance specialists, 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.