These plans will cover expenses that Medicare will not pay for, like extended stays in the hospital, deductibles, co-payments and medical supplies.
Some CT Medigap plans will even cover medical care that is received while traveling abroad.
Connecticut Medigap Plans
No matter which state a person lives; all the plans are standardized. Plans are labeled alphabetically, using the letters A through N.
The benefits that are provided within a letter plan are going to be identical, no matter which company is offering the plan. For example, five companies that sell Medigap Plan A will offer the same exact benefits.
Purchasing the Right Connecticut Medigap Policy
All Medicare Supplement Plans in Connecticutƒ offer different benefits, and it is important that you choose the one that best fits your needs. Let’s say that you are one who likes to travel out of the country for vacation.
Since going abroad is something that you do on a regular basis, then it is necessary that you choose a plan that will offer such benefits.
You also need to be aware that the companies you are purchasing from may have specific guidelines that dictate when coverage for a pre-existing condition will be provided. If you have a pre-existing condition that requires constant medical attention, be sure you are aware of each provider’s guidelines.
Some companies require that beneficiaries wait if six months to receive any coverage for pre-existing health problems.
However, if you apply during your Open Enrollment Period, you won’t be denied coverage because of pre-existing conditions.
It’s vital to be aware that if you have one of the Connecticut Medicare Advantage plans, you cannot enroll in a Medigap plan unless you’re dis enrolling for your advantage plan before your Medigap plan becomes effective.
CT Medigap Plans for Disabled Under 65
Normally, you are required to be 65 or older in order to qualify for Medicare. However, you can receive coverage under the age of 65 if you are disabled or suffer from End Stage Renal Failure.
While some states will not require that companies sell Medigap policies to individuals younger than 65, the state requires that companies offer at least one of the CT Medigap plans for disabled under 65 or living with End Stage Kidney Disease.
So, if you are under the age of 65 and are receiving Medicare benefits, you will be able to purchase Medigap Connecticut coverage from your company of choice.
Companies Offering Connecticut Medigap Policies
When you are shopping for companies that provide Medigap plans in Connecticut, it’s important to do a price comparison. Depending on the company you are purchasing from, rates will be slightly different. Shopping experts advise that you get quotes from as many providers as possible before making a final decision.
Remember, all plans are standardized. This means that regardless of the carrier you go with, the benefits are exactly the same across all lettered plans.
Medicare State Facts:
- Connecticut spent over $7 million dollars in total Medicare spending back in 2014. The statistics show that between the years of 1991-2014, the percentage of state spending increased almost 7%.
- Also in 2014, each Medicare recipient spent an average amount of almost $12,000 per year on Medicare out of pocket costs. Those same statistics showed almost a 6% increase in spending per recipient between the years of 1991-2014.
- In 2015, 55% of beneficiaries receiving Medicare were women and 45% were men.