at a glance
- ConnectiCare offers Medicare supplement (Medigap) plans to Connecticut residents.
- Medigap plans, like those offered by ConnectiCare, can help you pay your out-of-pocket Medicare costs.
- You can only buy a Medigap plan if you have original Medicare, not Medicare Advantage (Part C).
ConnectiCare is a managed care company and subsidiary of New York–based healthcare insurer, EmblemHealth. It offers Medicare Advantage (Part C) and Medicare supplement (Medigap) plans to people who live in Connecticut.
Medigap plans like those offered by ConnectiCare can be used to cover certain costs you’re typically left with after your Medicare coverage is applied.
Read on to find out what these plans cover and how much they may cost.
Generally, Medicare supplement plans cover at least part of your share of any costs left over after your original Medicare coverage has been used for medical services. Original Medicare is made up of parts A and B together.
There are several choices when it comes to Medicare supplement plans, and each insurer may offer different options.
For the 2021 plan year, all Medicare supplement plans from ConnectiCare cover:
- Medicare Part A hospital coinsurance
- all or some of Part A hospice coinsurance or copayments
- all or a portion of Medicare Part B coinsurance and copayments
- all or some of the cost of up to three pints of blood
ConnectiCare Medigap plan extra benefits
In addition to various covered services, ConnectiCare also guarantees that you can keep your Medicare supplement coverage for life, as long as you’re up to date on paying your monthly premium.
Additionally, ConnectiCare can be used with any provider nationwide who accepts Medicare. There are no network restrictions.
Below is an overview of what each of the plans offered by ConnectiCare covers in 2021.
ConnectiCare Medicare Supplement Plan A
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part B coinsurance or copayment
- first three pints of blood needed
ConnectiCare Medicare Supplement Plan B
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- Medicare Part B coinsurance or copayment
- first three pints of blood needed
ConnectiCare Medicare Supplement Plan G
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- skilled nursing facility coinsurance
- Medicare Part B coinsurance or copayment
- Medicare Part B excess charges
- first three pints of blood needed
- foreign travel emergency coverage
ConnectiCare Medicare Supplement Plan N
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- skilled nursing facility coinsurance
- Medicare Part B coinsurance (copayments still apply)
- first three pints of blood needed
- foreign travel emergency coverage
Two additional plans are available through ConnectiCare, but you can only buy them if you were eligible for Medicare before January 1, 2020.
ConnectiCare Medicare Supplement Plan C
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- skilled nursing facility coinsurance
- Medicare Part B coinsurance or copayment
- Medicare Part B deductible
- Medicare Part B excess charges
- first three pints of blood needed
- foreign travel emergency coverage
ConnectiCare Medicare Supplement Plan F
- Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
- Part A hospice care coinsurance or copayment
- Medicare Part A deductible
- skilled nursing facility coinsurance
- Medicare Part B coinsurance or copayment
- Medicare Part B deductible
- first three pints of blood needed
- foreign travel emergency coverage
ConnectiCare also offers high-deductible versions of plans F and G. With these plans, 100 percent of covered services are paid after you meet a $2,370 deductible for the year.
Unlike some Medicare supplement plans that offer plans or prices based on specific counties or ZIP codes, all of ConnectiCare’s Medigap plans are available to every Connecticut resident who’s eligible for Medicare and not enrolled in a Medicare Advantage plan.
The costs are the same in each service area, and any price changes made are statewide.
Monthly premium costs for ConnectiCare’s Medicare supplement plans in 2021 are shown below:
Plan | Monthly premium |
---|---|
Plan A | $303 |
Plan B | $267.53 |
Plan F | $260 |
Plan F, high deductible | $75 |
Plan G | $247.71 |
Plan G, high deductible | $60 |
Plan N | $247.71 |
Medicare supplement plans, or Medigap plans, are optional products offered to people with original Medicare (parts A and B) to help pay for certain out-of-pocket costs.
These plans can be used to pay copayments or other items not covered by standard Part A and Part B coverage.
Each insurance company has its own menu of Medigap plans, and plan options may vary by location. Check with the insurer to find out if a specific plan in available in your area.
You may not purchase a Medigap plan if you have already moved from original Medicare to a Medicare Advantage plan. You can purchase supplement plans only if you use Medicare parts A and B.
- ConnectiCare Medicare supplement plans are available Connecticut residents who qualify for Medicare.
- Each ConnectiCare Medigap plan offers different coverage, so compare plans to find one that best suits your needs and budget.
- Medicare supplement plans help you cover your share of Medicare costs, but they are not compatible Medicare Advantage plans.