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Medicare Supplement Rates Connecticut

Medicare Supplement Rates Connecticut are available at the bottom of this blog.  These Medicare Supplement plans are also called Medigap plans.  Connecticut is a standardized state for Medicare supplements.  Plans have identical benefits from one company to the next. The only difference is in price and value added features. Value added are things such as Silver Sneakers being available with a plan. A Medicare supplement plan is secondary coverage.  Original Medicare both A and B are the primary insurance with a supplement.  Providers bill Original Medicare first.  The portion not covered by Medicare is sent to the supplement.  The supplement covers some or all of the remainder depending on the the plan chosen. Plan F covers 100%, plan N covers most charges, plan L covers 75% and so on.  There are 9 supplement types in CT

How do you decide which one to take?

It depends on your situation.  People in very poor health may be better with a Plan F.  Someone in average health may look at plan N or plan L.  Supplements have some advantages: No network and ability to choose coverage level are two big ones.  Also, the ability to choose any Part D plan. There are also some negatives. The first is paying three premiums.

A part B premium of $121.80. The Supplement premium and the Rx premium.  Some people will make the decision to go with a Medicare Advantage plan instead. Connecticut does not allow companies to underwrite plans.  This simply means they can’t check your health.  This allows members to move from one supplement to another during the year.  Certain health conditions may cause an issue if you want to change plans.  They could also move either to an advantage during OEP or from an Advantage to a supplement.   Rates have been provided below.  In fact, the grid holds the rates for every company with a supplement in CT.

Click this link for CT rates 2016

Are you looking for Medicare Advantage Plan information instead?

If you need to sign up for Medicare A and B, Click for online enrollment with Social Security

Click here for a no obligation Medicare quote.

Aetna Medicare Plan HMO Connecticut

Aetna Medicare Plan HMO Connecticut is a Medicare Advantage Plan (MAPD).  This plan is  offered in Fairfield, New Haven, and New London counties.  Aetna refers to this plan as the Shoreline plan. They also offer a similar version of it called “inland”.  The inland plan includes Hartford, Litchfield and Tolland counties. The Aetna Medicare Plan HMO Connecticut is an HMO plan. Members must use in network providers (except for emergency and urgent care).  If  you choose to use an out of network provider in an non emergency or urgent care situation, there will be no coverage at all.  Medicare A and B will not provide the standard 80% part B coverage when going out of network on a Medicare Advantage plan.

In addition to a $6,700 maximum out-of-pocket contribution (for medical expenses only), this Aetna plan is a $0 premium offering and requires referrals to see specialists.  You only need to obtain a referral once per specialist each calendar year.  The plan features very low co-pays for a $0 premium plan. With a $10 primary doctors copay and a $40 specialist copay. Most other co-pays are also low compared to other plans offered in the same market such as a $600 inpatient hospital co-pay and a $150 major radiology copay (basically means MRI’s, CAT and PET scans).

The prescription drug plan (included with benefits of plan)

is one of the few that does not have a deductible on tier 3, 4 and 5 drugs.   Overall, this is a solid plan with a large national network of providers that can be accessed anywhere in the country.  The one benefit that should be noted with this plan is the fact that it does have an annual deductible of $1,000 for some services such as Inpatient hospital, major radiology, Outpatient surgery, ambulance and some other services. A plan summary has been provided below for review.

CLICK HERE FOR AETNA MEDICARE PLAN HMO CONNECTICUT PLAN SUMMARY

Click here for a free Medicare review and quote.

United Healthcare Medicare Complete Plan 1 Connecticut

United Healthcare Medicare Complete Plan 1 Connecticut is a Medicare Advantage plan with Prescription Drugs (MAPD).  Medicare Complete Plan 1 is an HMO plan.  This plan is available in all eight Connecticut counties.   The plan has a $99 monthly premium.  The annual out of pocket limit for medical expenses is $4,850.  Primary doctor visit co-pays are $10.   The specialist visit co-pay is $30.   In fact, this plan does not require PCP referrals for specialist visits.    Additional benefits are provided for podiatry care, hearing aids, SilverSneakers fitness program and also the NurseLine.  This plan features contributions for vision exams.  These plans include preventative dental coverage.

The drug plan has a  co-pay plan with 5 tiers as well as a $130 deductible that applies to tiers 3,4 and 5 only.  Like all other part D and MAPD drug plans in CT,  a Coverage Gap (formerly called donut-hole) applies to this RX benefit.  Although it is an HMO plan, the Medicare Complete Plan 1 does have the 2016 UHC Passport Program which provides access to doctors in other states on an in-network basis.  Passport is not available in all states, but they do include it in the Connecticut plan.   A dental benefit is also offered for an additional premium.

Please note:

A Medicare Advantage Plan with Prescription Drugs (MAPD) is NOT a Medicare Supplement plan (Medigap). With an MAPD plan, Medicare is not the primary or secondary insurance.  The company offering the MAPD is your primary insurance and services must be obtained through participating providers in most cases.   A Medicare Supplement plan is secondary to Original Medicare and does not include Part D prescription drug coverage.   With a Medicare Supplement, there is not a network but instead, the insured would go to any provider that accepts or participates with Original Medicare.

A 2016 Summary of benefits as well as a 2016 application are available in the links below.   You can send applications back to us either by email at Admin@croweandassociates.com or by fax at 203-567-6235.

Click here to download the UHC Complet Plan 1 Summary of Benefits – Connecticut

Click here to download the UHC Complete Plan 1 Application – Connecticut

Looking for a lower monthly premium?  Click here to learn more about the United Healthcare Complete Plan 2.

Click here for a no-obligation Medicare quote.

United Healthcare Medicare Complete Plan 2 Connecticut

United Healthcare Medicare Complete Plan 2 Connecticut is a Medicare Advantage plan with Prescription Drugs (MAPD) offered by United Healthcare Medicare.  Medicare offers the Complete Plan 2  in Fairfield, Hartford, Litchfield, Middlesex, New Haven, New London, Tolland as well as Windham counties. This plan is a HMO and has both a $29 monthly premium and an annual out of pocket max of $6,000 (Medical only). It features co-pays of $15 for primary doctor visits as well as $40 for specialist visits.  Subscribers do not need specialist referrals.

United Healthcare pays %100 of preventative care as part of this plan. This includes;  annual physicals, mammogram, cardiovascular screenings as well as certain vaccines.   Plan 2 includes; home health care, podiatry services, hearing services, vision services and also basic dental services.  The drug plan has a 5 tier copay plan with a $200 deductible for Tiers 3,4 and 5 only.

Like all other part D and MAPD drug plans in CT, there is a Coverage Gap ( donut-hole) that applies to this RX benefit.  Although it is an HMO plan, the Medicare Complete Plan 2 does offer the 2016 UHC Passport Program at no additional cost.  The Passport program provides access to doctors in other states on an in-network basis.   Although the CT plan includes Passport,  every state does not offer the Passport progam.  For an additional premium,  your coverage can include a dental benefit rider.

Please note:

A Medicare Advantage Plan with Prescription Drugs (MAPD) is NOT a Medicare Supplement plan (Also called Medigap). With an MAPD plan, Medicare is not the primary or secondary insurance.  The company offering the MAPD is your primary insurance and services must be obtained through participating providers in most cases.   A Medicare Supplement plan is secondary to Original Medicare and does not include Part D prescription drug coverage.   With a Medicare Supplement there is not a network, instead, the insured would go to any provider that accepts or participates with Original Medicare.

A 2016 Summary of benefits and 2016 application are available in the links below.   You can send applications back to us  either by email at Admin@croweandassociates.com or by fax at 203-567-6235.

Click here for a UHC Plan 2 Summary of Benefits – Connecticut

To download a UHC Plan 2 application – Connecticut Click here

Click here for a no-obligation Medicare quote.

 United Healthcare Medicare Complete Plan 3 Connecticut

United Healthcare Medicare Complete Plan 3 Connecticut is a Medicare Advantage plan with Prescription Drugs (MAPD) offered by United Healthcare Medicare. The Medicare Complete Plan 3 is an HMO plan.  UHC offers Medicare Complete Plan 3  in Fairfield, Hartford, Litchfield, Middlesex, New Haven, New London, Tolland  as well as Windham counties.  The plan has both a $0 monthly premium and an annual out of pocket max of $6,700 (Medical only). It features co-pays of $20 for primary doc visits as well as $50 for specialist visits.  If you would like coverage for a specialist visit, you will need a referral from you PCP.  Referrals are valid for the full year.  This plan provides additional benefits for vision, foot-care, hearing aids, SilverSneakers fitness program as well as NurseLine.  This plan includes basic preventative dental services.

This Plan includes Preventative care at no cost.

In additional expenses the plan covers are,  annual wellness visits, mammograms, colonoscopy and also annual gynecological exams.  Plan members pay nothing for hospice care from a Medicare-certified hospice.

The drug plan has a 5 tier copay plan with a $140 deductible for Tiers 3,4 and 5 only.  Like all other part D and MAPD drug plans in CT, there is a Coverage Gap ( donut-hole) applicable to this Rx benefit.  Although it is an HMO plan, the Medicare Complete 3 does have the 2016 UHC Passport Program which provides access to doctors in other states on an in-network basis.  Passport is not available in all states.   A dental benefit is available with this program but there is a premium for adding it.

Please note:

A Medicare Advantage Plan with Prescription Drugs (MAPD) is NOT a Medicare Supplement plan (Also called Medigap). With an MAPD plan, Medicare is not the primary or secondary insurance.  The company offering the MAPD is your primary insurance and services must be obtained through participating providers in most cases.   A Medicare Supplement plan is secondary to Original Medicare and does not include Part D prescription drug coverage.   With a Medicare Supplement, there is not a network but instead, the insured would go to any provider that accepts or participates with Original Medicare.

Both a 2016 Summary of benefits and 2016 application are available in the links below.   You can send your application back to us either by email at Admin@croweandassociates.com or by fax at 203-567-6235

Click here for a UHC Plan 3 Application – Connecticut

Click here for a UHC Plan 3 Summary of Benefits – Connecticut

Interested in a lower maximum out of pocket plan?  Click here to learn more about the United Healthcare Complete Plan 1.

Click here for a free personalized Medicare quote.

SilverScript Medicare Prescription RX Plans

Meidcare now offers clients new options for SilverScript  Medicare Prescription RX plans in 2016.

SilverScript will provide two prescription plan options in 2016: SilverScript Choice as well as SilverScript Plus.  The SilverScript Choice offers comprehensive coverage with low premiums and co-pays.  SilverScript Plus provides additional coverage in the coverage gap (commonly referred to as the donut hole). The Plus plan is designed for people who need to take several medications on a regular basis.  Because these people are more likely to reach the donut hole during the 2016 plan year.

Both SilverScript prescription medication plans offered in 2016 will feature a $0-deductible, low co-pays for many drugs and competitive premiums. In fact, SilverScript premiums in 30 states are lower than they were in 2015.  In fact, premiums in eight of those states is below $20.  Also,  SilverScript Choice plans have the lowest prescription drug plan premium in four states.  Members can access a convenient nationwide network consisting of a wide selection of pharmacies across the country. These include many large national and regional chains, many independent, community-based pharmacies, and the CVS/Caremark mail service pharmacy.  Additionally, in 2016, SilverScript is introducing a new list of covered medications.  This will help to keep co-pays low for some frequently prescribed drugs.

SilverScript recently received a 4-star performance rating from CMS for delivering value, clinical outcomes and customer service.

CLICK HERE TO REQUEST MEDICARE QUOTE INFORMATION.

Most Medicare Prescription Drug Plans have a coverage gap (also called the “donut hole”). This means there’s a temporary limit on what the drug plan will cover for drugs.

   Click here to learn more about the Medicare donut hole.

Please contact us if you would like to learning more about the SilverScript or any other Medicare RX plan. You can either call the office at 203-796-5403 or email us at admin@croweandassociates.com for an appointment.

Original Medicare Enrollment

Original Medicare Enrollment in parts A and B is automatic for those drawing Social Security.   Those people who are not that are not will need to enroll.

If you’re already collecting Railroad Retirement Board or Social Security retirement benefits when you turn 65, you will automatically be enrolled Medicare Part A .  If you are under 65 and you receive Social Security or Railroad Retirement Board disability benefits, you will automatically be enrolled in Medicare Part A and Part B after 24 months of disability benefits.

You will need to sign up for Medicare part B, if  you are not receiving retirement benefits before age 65 or  if you qualify for Medicare through disability. Please note, you can sign up during your Initial Enrollment Period (IEP). This is the seven-month enrollment period that begins three months before you turn 65.  This enrollment period includes the month you turn 65, and ends three months later.

Click here to visit the Medicare.gov site to learn details.

CLICK HERE TO REQUEST MEDICARE QUOTE INFORMATION.

Still have questions?  We are Medicare specialists.  Please call if you have questions or need help navigating the Medicare enrollment process.  You can either call the office at 203-796-5403 or email us at admin@croweandassociates.com.

We are a full-service brokerage and offer clients not only guidance with Medicare, but all health plan needs.  We offer dental insurance, both long and short term care policies.  Crowe and Asscoiates can help with estate planning by offering several types of life insurance as well as investment opportunities.

Medicare Part D Premiums

Medicare Part D premiums range from between $10 and $100 per month.  The amount depends on what plans  are available in your area as well as  the particular plan you choose. The maximum deductible in 2016 is $360. This is the amount you must pay out-of-pocket before Medicare will contribute to your prescription costs.

Medicare Part B Premium Costs

When turning 65, individuals need to understand the Medicare Part B Premium costs.

Individual Medicare recipients pay a premium each month for Part B. If you receive either Social Security, Railroad Retirement Board, or Office of Personnel Management benefits, your Part B premium is automatically deducted from your benefit payment.  If you do not get these benefit payments, you will receive a bill and can submit your payment from there.

Most people will pay the standard premium amount. However, if your modified adjusted gross income is above a certain amount, you may have to pay an adjustment.  In fact, this amount is determined by what is on your IRS tax return from 2 years ago.  This fee is called an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge that Medicare adds to your premium.

Click here for the Medicare.gov income requirements and information.

Click here to request a no obligation Medicare quote.

If you have questions regarding Medicare Part B costs or are ready to investigate plan options, please either call the office at 203-796-5403 or email us at admin@croweandassociates.com.  We are Medicare specialists and will be happy to help you navigate the both the options and process.