Medicare Agent
Get online quote

Medicare Options in Connecticut

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.

An elderly person holding a stress ball.

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 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.

[read more]

Part B Medicare covers necessary medical services that are required to diagnose or treat the medical condition. And preventive services like healthcare to prevent illnesses, and detection of illness at an early stage.

Part B deals with clinical research, ambulance services, durable medical equipment, mental health, inpatient and outpatient care, partial hospitalization, and limited outpatient prescription drugs.

Medicare Advantage

The Medicare Advantage Plan is another Medicare health plan that includes a ‘Plan C’ offered by private companies that have been approved by Medicare. A Medicare Advantage Plan will pay companies who offer Medicare a fixed amount every month to cover your treatment bills. These private insurance businesses have contracts with Medicare to combine both Part A and Part B coverage into a single policy.  

Some of these plans also offer Part D (prescription drug) coverage, including added benefits like coverage for vision, hearing, dental, and/or health and wellness programs.

As of 2022, there are 57 Medicare Advantage plans available for eligible enrollees in Connecticut. To ensure you’re in the know about any new Connecticut Medicare Advantage plans before applying, browse through the Medicare website to learn more.

On the Medicare website, enter your ZIP code into the Medicare plan finder tool to check how many Medicare Advantage plans are available in your area.

Health Maintenance Organization (HMO)

The Health Maintenance Organization is an insurance structure that is very popular in Connecticut since it provides coverage through a network of physicians for a monthly or annual fee.

The HMO is a conglomeration of medical insurance providers that offers comprehensive health insurance plans with coverage to medical care provided by your doctors and healthcare providers who are under a contract with them.

Since the healthcare providers have patients directed to them, these contracts allow the costs and premiums to be significantly reduced. To be eligible for the HMO, you must have a primary care physician (PCP), a specialist’s referral, and approvals for certain treatments and drug prescriptions.


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).

[read more]

The PFFS plan pays on providers a fee-for-service basis so the providers aren’t on the brink of financial risk. This service also does not restrict the members’ choices among the providers that have lawful authorization to offer their services.

Any provider who accepts the terms and conditions of the Medicare plan is eligible for these Medicare benefits. Drug coverage is included but you can opt for a separate drug plan if you want.

Special Needs Plan (SNP)

This Medicare advantage plan limits membership to people who have been diagnosed with specific diseases or characteristics.

For this Medicare advantage plan, you will need a primary care physician (PCP), and a specialist’s referral. Prescription drug coverage is included and you can join this plan at any moment if you meet the requirements.

Each of these Medicare advantage plans has a different price plan and offers different levels of freedom in choosing your healthcare providers.

Medicare Supplement (Medigap) Plans in Connecticut

Medicare doesn’t cover all of your health insurance requirements when you turn 65. The Original Medicare Part A covers 80% of the inpatient care in the hospital along with skilled nursing facilities. While Medicare Part B covers 80% of the total outpatient care with the necessary medical supplies.

This is why many people opt for supplemental coverage called Medigap for the coverage for the leftover 20%.

Medigap of Medicare Supplement is a healthcare insurance policy that can be purchased from a private insurance company. These secondary coverage plans can only be applied to Original Medicare.

Since Medigap does not cover prescription drugs, it is recommended to enroll in Medicare Part D which specifically offers coverage for prescription drugs.

Who is Eligible for Medigap Health Insurance Plan?

To be eligible, you must already be enrolled in the Original Medicare plans including Part A and Part B. You must also be:

  • 65 years old or older
  • Under 65 and regularly receiving disability benefits
  • Under 65 but diagnosed with amyotrophic lateral sclerosis
  • Under 65 and diagnosed with end-stage renal disease (ESRD)

Medicare Plan F

The Medicare Supplement Insurance Program offers a Plan F that offers comprehensive healthcare coverage. This plan also provides coverage for international trips and this is what makes it one of the most popular plans in Connecticut. People from all over the US can enjoy the benefits and a visit to the doctor is much less stressful when there are no co-payments involved.


An elderly man in a black sweater using a digital tablet.

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 of 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.

A man and a woman sitting and discussing with an agent.

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 of 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 disease and require regular dialysis or received a kidney transplant.

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.

[read more]

General Enrolment

If you missed the initial enrolment time period, you can always enroll for Medicare health insurance again from January 1st to March 31st. During this time frame, you can opt for Part A and Part B, Medicare Advantage (Part C), Medigap, and Part D.

Medicare Advantage Open Enrolment

Open enrolment for Medicare Advantage plans begins from October 15 to December 7. Open enrolment allows subscribers to enroll, switch, and cancel their current coverage plans. If both the Medicare Advantage and Original Medicare plans are available in your region, you can compare the two options and choose the one that suits your situation best. You can also alter and change your Part D coverage.

Special Enrolment

If your existing insurance plans get terminated or you lose your eligibility due to any reasons, you will be granted a special enrolment period during which you can enroll and switch plans.


An elderly man holding a digital tablet and giving a thumbs up.
annuity agent

How to protect your Retirement Savings Fixed Indexed Annuity?

A fixed indexed annuity (FIA) is a retirement savings product that can offer protection of your principal as well as the potential for growth. The main benefit of an FIA is the flexible nature of its returns, which are based on movements in a stock market index.

This allows you to participate in stock market growth without risking the downside losses associated with the market. Additionally, there are typically guarantees against the loss of principal and certain other protections offered by insurance companies. 

Annuities can be established to provide a guaranteed lifetime income for both you and your spouse during retirement.  

Talk with one of our licensed annuity agents to learn more about how to protect your retirement income.

Why Choose Medicare Hope Insurance Agents?

Medicare insurance agents at Integrity Now Insurance Brokers are a certified team of licensed 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 Medicare or annuity 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.

A happy elderly couple holding each other.

What Our Client’s Say

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor
incididunt ut labore et dolore magna aliqua.

Keep In Touch

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor
incididunt ut labore et dolore magna aliqua.

Medicare Insurance
Quotes 30 Plus Carriers

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor
incididunt ut labore et dolore magna aliqua.