The Best Connecticut Medicare Supplement Plans (2024)

The average cost of Medicare Supplement plans in Connecticut is $264.03, regardless of age.

Plans F and G are the most popular because of their comprehensive coverage. Plan F costs an average of $247.42 per month but is only available to those who qualified for Medicare before 2020. Plan G is slightly more affordable, costing on average $228 per month.

Plan N has an average monthly rate of $223.40 and is the third most sought-after plan type. It has similar coverages to Plans F and G except for excess charges.

MoneyGeek’s study used average costs and benefits collected in our methodology. Our analysis focused on the three most popular plans. However, there are other plans available, and MoneyGeek’s guide can help you learn more about these and how to find the best Medicare Supplement Plan.

UnitedHealthcare has the best Medigap Supplement Plan G in Connecticut. It costs $208 per month on average and allows you to include add-on coverages in your policy.

Remember that MoneyGeek’s study only included companies that allow you to get quotes online. You can find more options if you consider providers who don’t offer online estimates. However, you’ll need to reach out to them directly to get more information.

On average, a Plan G policy costs $228 per month in Connecticut. However, it’s important to note that this is just the average cost — there are several factors that will determine the actual cost of your premium. One of the main factors is the provider you choose.

Humana offers the lowest rate at $201.10 per month. That’s 36.26% cheaper than Cigna, which is the most expensive at $316 per month, on average.

Other factors affecting premium costs are discounts and medical underwriting considerations.

You can choose between ten providers if you’re looking for a Medigap Supplement Plan G in Connecticut.

Information is available in various ways. Some companies provide online quotes while others don't. You can reach providers with the contact information MoneyGeek provided. MoneyGeek also included information on each company’s pricing style, so you can tell which providers are more likely to charge more because of age.

Like all Medigap plans, Plan G is standardized. It provides comprehensive protection and covers most expenses except for Part B deductibles. It only covers 80% of foreign travel expenses within your policy’s limit. You can add benefits depending on your needs. For example, UnitedHealthcare offers Visual and Dental insurance.

You can purchase the best Medigap Plan F in Connecticut from UnitedHealthcare. It costs $271 per month on average and offers multiple benefits. These include a helpline, a fitness program and additional coverage.

Remember that our rankings only reflect companies that allow buyers to get an estimate online. You can broaden your options by considering insurers that don’t have an online quote tool.

You’ll spend around $247.40 each month for Plan F in Connecticut. However, rates vary between providers.

The cheapest Plan F policies in Connecticut are offered by Humana at $234.20 per month, on average. In comparison, you’ll spend $66.20 more with Anthem, with the average policy costing $300.40 per month.

Other factors, besides the provider, affect the actual cost of your premium. These include medical underwriting considerations and your eligibility for discounts.

In Connecticut, ten different companies offer Plan F, but only some offer quotes directly online. To get information about companies that don’t offer online quotes, you can reach out to them directly using the contact details provided by MoneyGeek. We’ve also included each company’s pricing style so you know which ones may charge more based on age.

All Medigap plans are standardized, so they must provide specific benefits. The only item Plan F does not fully cover are your expenses during a trip abroad; it covers 80% of your costs, but only within your plan’s limits. You can customize your policy to match your preferences by adding benefits like UnitedHealthcare’s Optum NurseLine.

The best Medicare Supplement Plan N in Connecticut comes from UnitedHealthcare. Their Plan N costs $169 per month. Besides the standard coverages, you can choose to add benefits to match your needs.

MoneyGeek’s ranking is limited to companies that offer online estimates. To obtain more information about providers that don’t have quote tools on their websites, you can reach out to them directly.

In Connecticut, Plan N policyholders spend $223.40 per month on premiums. However, depending on medical underwriting factors or whether or not you qualify for discounts, it may vary.

Another factor that may impact rates is your choice of provider. You can save as much as $99.40 a month by shopping around. A Plan N policy from UnitedHealthcare costs $169, the lowest available rate in the state, while Humana has the most expensive at $268.40.

Ten providers in Connecticut offer Plan N. Although you can’t get an estimate through everyone’s website, it’s still possible to gather the necessary information. You can reach them by using the contact details MoneyGeek prepared. We’ve also included pricing methods to give you an idea of which providers tend to charge more based on age.

Like other standardized Medigap plans, Plan N only covers 80% of foreign travel expenses within your plan's limits. It also doesn't cover Plan B deductibles and excess charges. That said, it’s possible to add benefits beyond the standard ones. An example of this is the UnitedHealthcare Renew Active program.

Medicare Supplement plans in Connecticut aren’t limited to Plans G, F and N. You can choose other plan types, but these aren’t as sought after since they offer less comprehensive protection.

MoneyGeek’s analysis of available quotes showed that UnitedHealthcare is your best option for all plan types. You can also get online quotes from Anthem, Cigna and Humana.

Remember that you cannot purchase Plan C if you're eligible for Medicare after January 1, 2020. This applies to buyers in Connecticut and other states.

The subject of Medicare Supplement in Connecticut can be complex and overwhelming. To simplify the process of choosing a plan, MoneyGeek created a Medicare Supplement plans comparison chart in Connecticut. It displays the different plan types alongside companies’ pricing information, so you can make the best decision regarding purchasing supplemental insurance.

It's best to consider multiple factors when deciding which plan to purchase. Plans offer varying levels of coverage, each with a different monthly rate.

You may also find that some plans aren’t available to you, depending on when you qualified for Medicare. For example, although Plans F and C offer the most comprehensive protection, you can’t purchase them if you’re a new enrollee. Instead, you can explore Plans G and D.

MoneyGeek’s chart allows you to compare Medigap Supplement plans in Connecticut.

How much you spend for Medicare Supplement plans in Connecticut can be affected significantly by plan type and provider.

If affordability is a priority, place UnitedHealthcare and Humana on top of your list. These offer the cheapest rates in Connecticut.

You can purchase the cheapest Plan F and G from Humana. UnitedHealthcare is your most affordable option for all other plan types: A, B, C, K, L and N.

Providers typically use one of three pricing methods to determine premiums: community-rated, issue-age-rated and attained-age-rate. However, all companies in Connecticut use the community-rated method. This means all policyholders of a specific letter plan pay identical premiums. The rate may change over time, but it's due to inflation rather than age.

It’s best to have all the essential information when deciding which Medigap Supplement plans in Connecticut best suit your needs. Here are the most commonly asked questions about it.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Connecticut for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.