2010 Medigap Supplemental Plans in Connecticut

2010 Medigap Plans Outline of Coverage

Now that there are new policy benefits and prices for Medicare Medigap plans in Connecticut, you might wish to analyze the benefits and cost of these new plans. Click here to see our opinion on how to get the most bang for your buck.

For more information, of to enroll in a Medigap plan, call us at:

1-800-289-8376 or click here for more information.

Medicare Supplement Plans in CT

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn't cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.

Beginning on June 1, 2010, there are newly designed Medigap plans that will be the only options for Medicare Beneficiaries enrolling in a Medigap plan after May 31, 2010. The purpose of the changes was to simplify and reduce the options available, while creating more "standardize" plans that offer the most cost effective coverage. The new standardized Medigap plans will not cover prescription drugs.

You may be able to choose up to 11 different standardized Medigap policies. The plans are identified by a letter: A, B, C, D, F, F (High Deductible), G, K, L, M, and N. Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through N, has a different set of basic and extra benefits.

It’s important to compare Medigap policies because costs can vary. The benefits in any Medigap Plans A through N are the same, regardless of which insurance company you purchase them from. For example, Plan C provides the exact same benefits from Company #1 as it does from Company#2. Each insurance company decides which Medigap policies it wants to sell.

Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.

You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse.

For additional information on Medigap policies, including why you would want to buy a Medigap policy and information about what Medigap policies cover, please read our publication, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.

Also, See doctors that accept Medicare Assignment in your area.