The Best Connecticut Medicare Supplement Plans (2022)

Buyers in Connecticut looking to purchase Medicare Supplement plans can choose between ten plan types, but some may not be available depending on when you qualified for Medicare. Based on our review, UnitedHealthcare offers the best Medicare Supplement plans in Connecticut for all letter plans.

It’s important to note that you can’t simultaneously have a Medigap and Medicare Advantage Plan in Connecticut. The latter will take the place of your original Medicare and all other plans associated with it.

Compare Health Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your health insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 6/22/2022
Advertising & Editorial Disclosure
By     |  

The average cost of Medicare Supplement plans in Connecticut is $264.03, regardless of age.

Plans F and G are the most popular because of their comprehensive coverage. Plan F costs an average of $247.42 per month but is only available to those who qualified for Medicare before 2020. Plan G is slightly more affordable, costing on average $228 per month.

Plan N has an average monthly rate of $223.40 and is the third most sought-after plan type. It has similar coverages to Plans F and G except for excess charges.

MoneyGeek’s study used average costs and benefits collected in our methodology. Our analysis focused on the three most popular plans. However, there are other plans available, and MoneyGeek’s guide can help you learn more about these and how to find the best Medicare Supplement Plan.

iconribbonBestMedigapConnecticut2022

Best Medicare Supplement Plans in Connecticut

Best Medicare Supplement Plan G in Connecticut

UnitedHealthcare has the best Medigap Supplement Plan G in Connecticut. It costs $208 per month on average and allows you to include add-on coverages in your policy.

Remember that MoneyGeek’s study only included companies that allow you to get quotes online. You can find more options if you consider providers who don’t offer online estimates. However, you’ll need to reach out to them directly to get more information.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $208

UnitedHealthcare’s rate is $20 less than the average cost of Medigap Supplement Plans in Connecticut of $228 per month.

UnitedHealthcare allows you to customize your policy by including additional coverages. These include a fitness program called Renew Fitness and 24/7 access to their Optum NurseLine to get answers to your health-related questions.

You can also choose to add Vision insurance. This can help you with costs from routine eye exams, contact lenses or prescription glasses.

Another coverage option are Dental plans. Depending on your chosen coverage, this will cover expenses from general dental care to dental implants.

MORE ABOUT PLAN G IN CONNECTICUT

Navigate to learn more about Medigap Plan G in Connecticut, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Connecticut

On average, a Plan G policy costs $228 per month in Connecticut. However, it’s important to note that this is just the average cost — there are several factors that will determine the actual cost of your premium. One of the main factors is the provider you choose.

Humana offers the lowest rate at $201.10 per month. That’s 36.26% cheaper than Cigna, which is the most expensive at $316 per month, on average.

Other factors affecting premium costs are discounts and medical underwriting considerations.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Humana
    $201
  • UnitedHealthcare
    $208
  • Anthem
    $214
  • Cigna
    $316

Providers Offering Plan G in Connecticut

You can choose between ten providers if you’re looking for a Medigap Supplement Plan G in Connecticut.

Information is available in various ways. Some companies provide online quotes while others don't. You can reach providers with the contact information MoneyGeek provided. MoneyGeek also included information on each company’s pricing style, so you can tell which providers are more likely to charge more because of age.

Providers Offering Plan G in Connecticut

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • ConnectiCare
    877-224-8221
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Transamerica
    800-797-2643
    Community

What Does Plan G Cover?

Like all Medigap plans, Plan G is standardized. It provides comprehensive protection and covers most expenses except for Part B deductibles. It only covers 80% of foreign travel expenses within your policy’s limit. You can add benefits depending on your needs. For example, UnitedHealthcare offers Visual and Dental insurance.

Required Benefits of Plan G in Connecticut
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Connecticut

You can purchase the best Medigap Plan F in Connecticut from UnitedHealthcare. It costs $271 per month on average and offers multiple benefits. These include a helpline, a fitness program and additional coverage.

Remember that our rankings only reflect companies that allow buyers to get an estimate online. You can broaden your options by considering insurers that don’t have an online quote tool.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $271

The average cost of Plan G in Connecticut is $247.40 per month. That’s 8.71% or $23.60 cheaper than UnitedHealth’s rate of $271 per month.

You can customize UnitedHealthcare’s Plan F by adding some benefits. Vision or Dental insurance can help cover the cost of products and treatments in these fields. You can also stay fit by enrolling in its Renew Active program.

UnitedHealthcare also has its Optum NurseLine service available to you 24/7, where you can ask all your health-related questions. They can assist you with selecting treatment options, preparing for a doctor’s appointment or providing methods for self-care.

In some cases, you can avoid trips to the emergency room by following their medical advice, which includes possible risks and options.

MORE ABOUT PLAN F IN CONNECTICUT

Navigate to learn more about Medigap Plan F in Connecticut, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Connecticut

You’ll spend around $247.40 each month for Plan F in Connecticut. However, rates vary between providers.

The cheapest Plan F policies in Connecticut are offered by Humana at $234.20 per month, on average. In comparison, you’ll spend $66.20 more with Anthem, with the average policy costing $300.40 per month.

Other factors, besides the provider, affect the actual cost of your premium. These include medical underwriting considerations and your eligibility for discounts.

Sort by Age:

75

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Humana
    $234
  • Cigna
    $236
  • UnitedHealthcare
    $271
  • Anthem
    $300

Providers Offering Plan F in Connecticut

In Connecticut, ten different companies offer Plan F, but only some offer quotes directly online. To get information about companies that don’t offer online quotes, you can reach out to them directly using the contact details provided by MoneyGeek. We’ve also included each company’s pricing style so you know which ones may charge more based on age.

Providers Offering Plan F in Connecticut

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • ConnectiCare
    877-224-8221
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Transamerica
    800-797-2643
    Community

What Does Plan F Cover?

All Medigap plans are standardized, so they must provide specific benefits. The only item Plan F does not fully cover are your expenses during a trip abroad; it covers 80% of your costs, but only within your plan’s limits. You can customize your policy to match your preferences by adding benefits like UnitedHealthcare’s Optum NurseLine.

Required Benefits of Plan F in Connecticut
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Connecticut

The best Medicare Supplement Plan N in Connecticut comes from UnitedHealthcare. Their Plan N costs $169 per month. Besides the standard coverages, you can choose to add benefits to match your needs.

MoneyGeek’s ranking is limited to companies that offer online estimates. To obtain more information about providers that don’t have quote tools on their websites, you can reach out to them directly.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $169

You’ll find that UnitedHealthcare’s rate is 24.35% or $54.40 cheaper than Connecticut’s average cost for Plan N, which is $233.40 per month.

UnitedHealthcare makes several benefits available to you, allowing you to personalize your policy to your liking. You can use their Optum NurseLine to reach a UHC professional anytime to help you with various medical concerns.

Another program worth considering is UnitedHealthcare’s Renew Active program. It gives you access to various gyms within the Medicare fitness program network. You can also exercise your mental muscles through online activities.

Lastly, UnitedHealthcare also has Vision and Dental insurance to help cover costs from general care to specialized services in these fields.

MORE ABOUT PLAN N IN CONNECTICUT

Navigate to learn more about Medigap Plan N in Connecticut, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Connecticut

In Connecticut, Plan N policyholders spend $223.40 per month on premiums. However, depending on medical underwriting factors or whether or not you qualify for discounts, it may vary.

Another factor that may impact rates is your choice of provider. You can save as much as $99.40 a month by shopping around. A Plan N policy from UnitedHealthcare costs $169, the lowest available rate in the state, while Humana has the most expensive at $268.40.

Sort by Age:

65

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • Cigna
    $121
  • Health Net
    $130
  • UnitedHealthcare
    $137
  • Humana
    $162

Providers Offering Plan N in Connecticut

Ten providers in Connecticut offer Plan N. Although you can’t get an estimate through everyone’s website, it’s still possible to gather the necessary information. You can reach them by using the contact details MoneyGeek prepared. We’ve also included pricing methods to give you an idea of which providers tend to charge more based on age.

Providers Offering Plan N in Connecticut

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Anthem
    1-800-684-1893
    Community
  • Cigna
    1-855-891-9368
    Community
  • Colonial Penn
    1-877-877-8052
    Community
  • ConnectiCare
    877-224-8221
    Community
  • Humana
    1-800-457-4708
    Community
  • Mutual of Omaha
    (855) 977-6312
    Community
  • Transamerica
    800-797-2643
    Community

What Does Plan N Cover?

Like other standardized Medigap plans, Plan N only covers 80% of foreign travel expenses within your plan's limits. It also doesn't cover Plan B deductibles and excess charges. That said, it’s possible to add benefits beyond the standard ones. An example of this is the UnitedHealthcare Renew Active program.

Required Benefits of Plan N in Connecticut
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Connecticut: Other Plan Types

Medicare Supplement plans in Connecticut aren’t limited to Plans G, F and N. You can choose other plan types, but these aren’t as sought after since they offer less comprehensive protection.

MoneyGeek’s analysis of available quotes showed that UnitedHealthcare is your best option for all plan types. You can also get online quotes from Anthem, Cigna and Humana.

Remember that you cannot purchase Plan C if you're eligible for Medicare after January 1, 2020. This applies to buyers in Connecticut and other states.

The Best Medicare Supplement in Connecticut - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $184.25

  • B

    UnitedHealthcare

    $311.75

  • C

    UnitedHealthcare

    $378.00

  • F

    UnitedHealthcare

    $271.00

  • G

    UnitedHealthcare

    $208.00

  • K

    UnitedHealthcare

    $68.00

  • L

    UnitedHealthcare

    $125.50

  • N

    UnitedHealthcare

    $169.00

How to Find the Best Medicare Supplement Plans in Connecticut

The subject of Medicare Supplement in Connecticut can be complex and overwhelming. To simplify the process of choosing a plan, MoneyGeek created a Medicare Supplement plans comparison chart in Connecticut. It displays the different plan types alongside companies’ pricing information, so you can make the best decision regarding purchasing supplemental insurance.

Connecticut Medicare Supplement Plans Comparison Chart

It's best to consider multiple factors when deciding which plan to purchase. Plans offer varying levels of coverage, each with a different monthly rate.

You may also find that some plans aren’t available to you, depending on when you qualified for Medicare. For example, although Plans F and C offer the most comprehensive protection, you can’t purchase them if you’re a new enrollee. Instead, you can explore Plans G and D.

MoneyGeek’s chart allows you to compare Medigap Supplement plans in Connecticut.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Connecticut

How much you spend for Medicare Supplement plans in Connecticut can be affected significantly by plan type and provider.

If affordability is a priority, place UnitedHealthcare and Humana on top of your list. These offer the cheapest rates in Connecticut.

You can purchase the cheapest Plan F and G from Humana. UnitedHealthcare is your most affordable option for all other plan types: A, B, C, K, L and N.

Providers typically use one of three pricing methods to determine premiums: community-rated, issue-age-rated and attained-age-rate. However, all companies in Connecticut use the community-rated method. This means all policyholders of a specific letter plan pay identical premiums. The rate may change over time, but it's due to inflation rather than age.

Average Cost of Medicare Supplement in Connecticut

Sort by Plan Letter:

A

Scroll for more

swipe icon
  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $184
  • Cigna
    $315
  • Humana
    $405
  • Anthem
    $1,010

FAQs About Medicare Supplement Plans in Connecticut

It’s best to have all the essential information when deciding which Medigap Supplement plans in Connecticut best suit your needs. Here are the most commonly asked questions about it.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Connecticut for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources