The Best Medicare Supplement (Medigap) Plans in Connecticut

Christian Worstell
In this article...
  • Medicare Supplement plans in Connecticut help offset deductibles and copays. Use this review of Connecticut Medigap plans to maximize your health insurance coverage.

While the federal government's Medicare plan pays for most essential health services, some people buy private insurance to help with the shortfall. Over 152,000 Connecticut residents, or 42% of those receiving Medicare benefits in the state, are signed up for Medicare Supplement Insurance (Medigap). 

Medigap plans cover some out-of-pocket costs you must pay when using Medicare. The specific costs covered depend on the Medigap plan that you choose.  

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Connecticut Medicare Supplement Plans?

Medigap plans sold in Connecticut are grouped into 10 letter categories. Because they're standardized, policies in the same category have identical coverage, even if sold by different insurance companies. Carriers set their own premiums, and standardization lets you more easily compare costs.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All Medicare Supplement plans include basic benefits: coinsurance for Part A hospital stays and hospice care and Part B coinsurance/copays for doctor services, treatments and tests.  

The most basic Medigap policy you can buy in Connecticut is Plan A. Other plans offer an additional mix of benefits, such as coverage of: 

Plan N is popular among Medicare beneficiaries because it tends to have lower premiums. It has the same coverage as Plan D but requires a copay of up to $20 for some doctor's visits and up to $50 for some emergency room visits. These small fees help carriers to keep their monthly premiums down.

Many Connecticut residents also opt for Plans F and G, which offer the most substantial Medigap coverage. Plan F pays for the Part B medical deductible, but changes in regulations mean this benefit is no longer available to anyone new to Medicare on or after January 1, 2020.  You can choose Plan G for the same coverage without the Part B benefit.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a Connecticut Medigap Plan?

Medicare Supplement plans can end up costing you more if you join outside of your individual Medigap open enrollment period. Be sure to note this window — it's triggered once you're 65 or older and enrolled in Medicare Part B. It's a one-time enrollment window and lasts only six months.

During your Medigap open enrollment period, you can sign on to the Medicare Supplement plan of your choice in Connecticut without restrictions because of age, health or lifestyle. Insurance carriers are legally required to sell you a policy and can only charge the same premium offered to those in good health. If you sign up for Medigap outside of this window, you may have fewer choices of plans. Insurers can underwrite your policy and set premiums based on their risk assessment.

If you need to change Medicare coverage because of unusual circumstances, you may be eligible for guaranteed issue rights. These are similar to the protections you have during your Medigap open enrollment period and may apply if your existing insurance carrier goes out of business or no longer participates in Medicare. You might also have guaranteed issue rights if your Medicare Advantage coverage ends because you moved or you switch back to Original Medicare within a year.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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