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compare medicare supplemental insurance

This post will show you how to compare CT Medicare Supplemental insurance plans. These plans are also known as Medigap plans.

There are only ten Medicare Supplement plan designs although there are more than ten companies selling these plans. So, unlike other types of insurance learning to compare CT Medigap plans is much easier.

Although the prices can vary quite a bit, the plan designs are standardized in all states except Massachusetts, Minnesota and Wisconsin. This means the benefits are the same, so long as the letter of the plan is the same.

Every carrier offering Medigap Plan F, for example, is mandated to have the same plan design as all other carriers’ policies with the same letter. This is true for Medigap Plan G, Medigap Plan N and the other letters in the Medicare Supplement alphabet.

Having a limited field of plans to consider makes things easier. But before you answer the question “which Medicare supplement plan is best for me”” you may want to ask if you want a Medicare Supplement or a Medicare Advantage plan.

The big differences between the two types of plans boils down to the fact that in general Medigap plans cost more than Advantage plans, but have no network restrictions. When you compare CT Medigap options with CT advantage plans you are comparing freedom verses cost more than any other factors.

I will cover the differences between Medicare Supplement plans and Medicare Advantage plans in detail in an upcoming post.

Are Medicare Supplement Plans Worth It?

My Connecticut clients who choose Advantage plans do so due to high Medigap costs. 2017 rates for the better CT Medigap plans are over $200 per month, but many Advantage plans have $0 monthly premiums.

How to Compare CT Medicare Supplemental Insurance Plans

Medigap Plan A

This plan has the lowest benefits and the highest price. I have yet to recommend this plan to any of my Connecticut clients and would only do so if it were their only choice. So when I compare Medicare supplemental insurance plans, I don’t give much thought to this option.

They reason this plan has the highest price is it is the only one the Centers for Medicaid and Medicare mandate be available to Medicare recipients under age 65. To qualify for Medicare before age 65, one must be disabled. Since most policyholders of this plan have a disability, this plan has higher claims and therefore higher premiums than any of the other plans.

My clients who qualify for Medicare before age 65 choose to enroll in one of the Connecticut Medicare Advantage plans instead of putting their money into this plan. A person’s medical history cannot be used against them when applying for a Medicare Advantage policy unless they have end state renal disease, so even the $0 monthly premium plans are available to younger enrollees.

Medigap Plan B

The second Medicare Supplement Plan, can be a good buy.

Medicare Part A (not to be confused with Medicare Plan A) will cover most of the cost of a most short hospital stay, but without additional coverage, you will be responsible for the first $1,316 dollars (the 2017 hospital deductible). Your Medigap Part B can pay that for you. All other costs can be paid for by Medicare for a hospital stay lasting 90 days or less.

For a hospital stay longer than 90 days, you could be responsible for $329 to $658 per day. A Medicare Supplement Plan B can cover these costs for you. Between Medicare and your Medigap Part B, your hospital costs can be covered for a visit lasting well over a year.

Neither Medicare nor this plan will cover the Part B deductible of $183 (in 2017). This means that you will probably pay in full for your first doctor visit of the year.

However, this plan can pay the 20% that Medicare doesn’t cover in the doctor’s office. However, it does not cover any “excess charges” you can be assessed if your doctor charges more than Medicare approves. Your doctor can charge up to 15% more than the approved amount.

Medigap Plan C

This Medicare Supplement plan covers everything that Plan B covers plus a few additional benefits.

It supplements Medicare’s skilled nursing care benefit. The first 100 days can be covered by a combination of Medicare and a Medigap Plan C.

However, your nursing home expenses will only be covered if you need skilled care. Most nursing home care is custodial care. Also, skilled nursing home care is only covered if your stay is preceded by a hospital stay.

Plan C also covers the Part B deductible ($183 in 2017). It does not cover excess charges if your doctor charges more than the Medicare approved amount. Your doctor can charge up to 15% more than the approved amount.

It also covers you for emergency care outside of the country. It pays 80% after a $250 deductible. The limit on this coverage is $50,000.

This plan covers less than a Plan F, but cost more in 2017. This is not an apples to oranges comparison. It is a small apple to larger apple comparison. Each benefit that Plan C has is included in Plan F and Plan F has an extra benefit. Therefore, I do not recommend this plan at this time.

Medicare only covers you outside of the United States in very limited circumstances. (It can cover you if you are traveling through Canada on your way to Alaska from one of the other states.)

Medigap Part D

This plan covers everything that Plan C covers except for the Part B deductible.

This means that it pays all Medicare deductible and copays in not only any Connecticut hospital, but also any hospital that accepts Medicare in the US. Medicare approved costs will be fully covered for a hospital stay of over a year by a combination of this plan and Medicare Part A.

The first 100 days of a skilled nursing home stay will be covered, subject to the limitations listed above.

After you pay the Part B deductible, it will cover the 20% that Medicare doesn’t cover of the approved amount. It will not cover any excess charges.

It also covers you for emergency care outside of the country. It pays 80% after a $250 deductible. The limit on this coverage is $50,000.

What are the best Medigap plans?

Call me if you want to compare CT Medigap options and Medicare Advantage plans to see which choice is best for you.

You can find a benefit chart of Medicare supplement plans on

To see which plans I consider to be the top 3 medicare supplements, continue reading.

We will continue this how to compare Medicare supplemental insurance plans series.

About Post Author

Alston J. Balkcom

“ Connecticut-licensed insurance agent since 1985.”

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When it is time to compare CT medicare supplemental insurance plans, bear in mind that there are only 10 variations to consider.