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Medicare is a federal health insurance program for elderly people who are 65 years old or older. This government-run health program covers an extensive range of medical expenses. In 2022, more than 700,256 people in Connecticut signed up for Medicaid. The US Department of Health and Human Services’ Centers for Medicare & Medicaid Services (CMS) oversees the program.

Virtually, everyone benefits from Medicare since it is a support system that provides easy access to health insurance to thousands of senior citizens in the US. In most cases, this program is automatically activated when an individual reaches the age of 65. The knowledge that Medicare’s protection will be there for them when people get older, generally brings everyone peace of mind.

But ever since healthcare expenses started costing people an arm and a leg, finding an insurance plan that isn’t excessively expensive and comprehensive is becoming very difficult. Our Medicare insurance agents are annually accredited by America’s Health Insurance Plan (AHIP) and with us, your Medicare insurance needs are in good hands. Find out more about the different Medicare plans in Connecticut and how our Medicare insurance agents can help.

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Medicare Options in Connecticut

Every person who is enrolling themselves in the Medicare program must choose between one of the two different ways to get benefits from Medicare:

Original Medicare

The Original Medicare is also known as the traditional Medicare and this option includes Medicare Part A and Part B. This traditional Medicare is regulated by federal law.

Part A Medicare deals with health care services in a hospital, providing coverage for hospital inpatient treatments, specialized nursing facilities, nursing home care (that isn’t custodial or long-term), hospice care, and home healthcare.

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Preferred Provider Organization (PPO)

The PPO is another popular health insurance plan that is a preferred healthcare provider organization consisting of medical professionals, facilities like primary and specialty physicians, and hospitals that are in contract with insurance providers that provide services to enrolled participants.

You’re not required to select the PCP or get specialty referrals. The PCP healthcare plans also include prescription drug coverage. Subscribers can seek coverage outside of the network but those premiums are costly.

Private Fee-For-Service (PFFS)

This Medicare Advantage health plan is offered by a State-licensed organization that has contracts with the Centers for Medicare & Medicaid Services (CMS).

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Which Medicare Advantage Plan Should You Opt for in Connecticut?

There are approximately 700,256 residents are enrolled in Medicare in Connecticut. 

After all of your life’s hard work, you’re allowed to make plans that allow for maximum protection and coverage that can make your life more convenient and comfortable. To avoid unforeseen hefty healthcare expenses, choosing the right insurance plan for yourself is crucial. The right healthcare plan will help you prevent any exorbitant medical bills that you could be paying until the end of time.

Here are some factors to consider when you’re opting for a Medicare Advantage plan, keeping your needs and budget in mind.

Provider Network

You can reduce the costs of the premium by ensuring your hospital, doctors, and pharmacies are all in the same network.

Monthly Premium

The monthly premium has a significant impact on your monthly budget on top of the Part B premium. Ensure you have the prescription drug coverage covered with an adequate healthcare plan.

Drug Coverage

Whenever you get prescribed a drug, make sure your medication is covered by your plan’s formulary and what the total cost is. You can consult with your healthcare providers about any generic and alternate versions of the medication if it isn’t being paid for by your plan.

Out–of–Pocket Max

There is no limit on the out-of-pocket costs on the Original Medicare plan. But Medicare supplement insurance plans like Medigap can help reduce the overall out-of-pocket costs and these charges vary based on the company that is providing you the plan.

Deductibles, Coinsurance & Copays

Also known as cost-sharing, you will have to pay for these costs each time you use your Medicare benefits.

Freedom to Travel

Do you want to be able to use all your Medicare benefits if you’re traveling domestically? With Medicare insurance, you can!

With a Medicare insurance plan, you can get treatments, and get checked by healthcare professionals whenever you travel. With Medicare Advantage plans, there are also networks that provide coverage for emergency and urgent treatments all over the country.

Extra Benefits

Dental benefits, vision benefits, and any other targeted benefits that are appropriate to your situation are also important to consider. For a comprehensive coverage package, you may have to pay a premium if your plan only enables you to use network providers.

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Who Can Get Medicare?

To be eligible for Medicare, you must be 65 years old or older or qualify for disability.

  • You must be a permanent and legal resident in the US
  • Must be receiving Social Security or railroad retirement benefits. If not, you must have worked long enough so you’re eligible for those benefits if not yet receiving them
  • You and your spouse must be government employees or a retiree that has not paid into Social Security but paid the Medicare payroll taxes.
  • You’re entitled to Social Security disability benefits for at least 24 months
  • You collect the disability pension from Railroad Retirement Board
  • You have been diagnosed with Lou Gehrig’s disease (also known as amyotrophic lateral sclerosis)
  • You have permanent kidney failure, or an end-stage renal diseaseand require regular dialysis or received a kidney transplant.
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Medicare Enrolment in Connecticut

Medicare will immediately register you if you have received at least four Social Security or Railroad Retirement Board payments before your 65th birthday. If not, you can always reach out to your local Social Security Office and apply online.

You can apply for enrolment in Medicare in the following time frames.

Initial Enrolment

The initial enrolment period starts three months prior and ends three months after your 65th birthday. You can initiate your application process during this time period and even change or update your current Medicare plan if you qualified for it at a younger age.

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Why Choose Medicare Hope Insurance Agents?

Medicare Hope insurance agents at Integrity Now Insurance Brokers are a certified team of insurance agents who are annually certified for their services by America’s Health Insurance Plan (AHIP). Our independent Medicare insurance agents offer free of charge assistance and we make sure all your needs and requirements are met.

With our access to the top-rated Medicare insurance providers, you are in good hands. You can rely on us to connect you with the best insurance agency that is right for you.

Looking for a one-on-one consultation with our insurance agents? Get in touch with us today and give us a call at (562) 735-3553, our representative will provide you with all the details that you need.

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