Medicare Plans Connecticut
The US federal government runs Medicare health insurance plan for all qualified American citizens and legal residents. The program is called original Medicare.
The program combines Part A (hospital insurance), and Part B (medical insurance). Unfortunately, the original Medicare plans don’t cover prescription medications that a patient has to pay most of the time as a hospital inpatient.
Original Medicare Plan (Part A and Part B)
Original Medicare is basic health insurance combines Medicare Part A and B and is available to the citizens who turn 65 or retire. Original Medicare has several deductibles and no limit on out-of-pocket spending. The plan doesn’t also offer coverage for Part D prescription drugs, routine vision and hearing exams. Therefore, to get the full coverage, you have to enroll in an HMO plan or Medicare Supplement plan.
Medicare Advantage Plans (Part C)
Medicare Advantage Plan C covers extra benefits in addition to the standard original Medicare benefits. Medicare Advantage plans are available with prescription drug coverage to give you one stop benefit for both medical and drug coverage.
Prescription Drug Plan (Part D)
Medicare prescription drug coverage D is available to citizens in two ways. If you already have subscribed Original Medicare (Part A and Part B), you won’t be automatically eligible for the Medicare Part D. To get the coverage you have enrolling in a stand-alone Medicare Prescription Drug Plan that works alongside your Original Medicare benefits.
If you have Medicare Part C, you can get prescription drug benefits by enrolling in a Medicare Advantage plan that includes this coverage. These plans are meant to offer beneficiary Medicare health and prescription drug benefits covered under a single plan.
In Connecticut, Medicare Part D coverage is offered via private insurance companies. So, you may see sight difference in cost and availability from carrier to carrier. One can access Medicare Part D if he is already having Medicare Part A and/or Part B and lives in Medicare serviceable area where prescription drug coverage is available.
C: Medicare Supplement insurance plan
A Medicare Supplement insurance plan is designed to offer coverage that usually Original Medicare (Part A and Part B) coverage doesn’t cover. These plans are also called Medigap that pay for the expenses didn’t cover by Original Medicare. Few Medigap plans may also include coverage for medical services rendered out of the country or hospice care.
To note, a Medicare Supplement insurance plan in Connecticut does not offer coverage for vision, hearing, or dental care. Moreover, you won’t any prescription drug benefits with the plan. However, the cost of the plan may vary from location and the carrier.
Before enrolling in a Medicare Supplement insurance plan in Connecticut, discover which plan category will suit your needs. Then compare pricing for the various plans available within that category to find the best one for your health insurance needs.