If you live in Connecticut and Original Medicare leaves you with bills, Connecticut Medicare Supplement plans can help. Also called Medigap, these private policies pay part of the costs Medicare does not, such as deductibles, copayments, and coinsurance. Connecticut also protects Medigap shoppers more than most states do. This guide explains how the plans work, what they cost in 2026, and how to choose one.
Last reviewed: October 14, 2026. Dollar amounts are 2026 figures.
Quick answers
- Connecticut Medicare Supplement plans are sold on a guaranteed-issue basis at all times, so you can apply in any month.
- Premiums for the same plan letter cannot vary based on your age, gender, or health status.
- Medigap works only with Original Medicare. It cannot be paired with Medicare Advantage.
- Medigap does not include prescription drug coverage. Most people add a separate Part D plan.
- Help comparing plans is available from B&A Benefit Solutions at +1 203-565-6419.
In this guide
- What Are Connecticut Medicare Supplement Plans?
- Why Connecticut Medicare Supplement Plans Work Differently
- Which Connecticut Medicare Supplement Plans Can You Buy?
- How Much Do Connecticut Medicare Supplement Plans Cost?
- When Can You Enroll in Connecticut Medicare Supplement Plans?
- Connecticut Medicare Supplement Plans vs. Medicare Advantage
- What Connecticut Medicare Supplement Plans Do Not Cover
- How to Choose Among Connecticut Medicare Supplement Plans
- Free Help With Connecticut Medicare Supplement Plans
- Frequently Asked Questions About Connecticut Medicare Supplement Plans
- Talk With a Local Connecticut Insurance Agent
What Are Connecticut Medicare Supplement Plans?
Connecticut Medicare Supplement plans, also known as Medigap, are private insurance policies that pay part of what Original Medicare leaves behind. They help with deductibles, copayments, and coinsurance. You need Medicare Part A and Part B to buy one, and you pay a separate monthly premium to the insurance company.
Medicare pays its share first. Then your Medigap policy pays its share. Plans are labeled with letters from A through N. The benefits for each letter are the same no matter which company sells the plan, so price is the main difference between insurers.
The gaps in Original Medicare are real. In 2026, you pay a $1,736 deductible for each hospital benefit period and a $283 Part B deductible. After that, you pay 20% of most Part B services, and Original Medicare has no yearly cap on what you spend. A Medigap plan is built to soften those costs.
Why Connecticut Medicare Supplement Plans Work Differently
Under federal rules, most states give you one six-month window to buy any Medigap plan without health questions. It starts the first month you are 65 or older and enrolled in Part B. If you miss it, insurers in most states can charge more or say no.
Connecticut works differently. The Connecticut Insurance Department (CID) says Medigap plans are available on a guaranteed-issue basis at all times. KFF reports that only four states (Connecticut, Massachusetts, Maine, and New York) require continuous or annual guaranteed issue for everyone age 65 and older.
Guaranteed issue all year
Guaranteed issue means an insurer cannot turn you down because of your health. You also do not have to wait for a special enrollment window. However, the CID notes that a pre-existing condition limitation may apply if you had no earlier creditable coverage or a gap in coverage. Ask the insurer about this before you apply.
Community-rated premiums
Connecticut law requires community rating. That means your premium cannot vary based on your age, gender, or health status. Insurers can still raise rates over time, and the CID posts the approved rates. The tradeoff is cost. According to KFF, Medigap costs more in Connecticut than in most other states.
In Connecticut, you do not have to wait for a special window. Medigap plans are guaranteed issue at all times for people 65 and older, so you can compare Connecticut Medicare Supplement plans on your own schedule.
Which Connecticut Medicare Supplement Plans Can You Buy?
The CID’s rate chart, updated September 11, 2026, lists eight companies that sell individual plans. It also lists one group plan that requires a membership fee. No company sells every letter, so check which plans each insurer offers.
| Plan | What it adds |
|---|---|
| Plan A | The core benefits: Part A coinsurance and hospital costs for up to 365 extra days, Part B coinsurance, blood, and hospice coinsurance. Every insurer must offer it. |
| Plan B | Plan A, plus the Part A deductible. |
| Plan D | Plan B, plus skilled nursing facility coinsurance and emergency care abroad. |
| Plan G | Covers every Medicare gap except the Part B deductible ($283 in 2026). Also covers Part B excess charges. |
| Plan N | Covers the Part A deductible. You pay up to $20 for some office visits and up to $50 for emergency room visits (waived if you are admitted). No Part B deductible or excess charge coverage. |
| Plan M | Covers half of the Part A deductible, plus skilled nursing coinsurance and emergency care abroad. |
| Plans K and L | Share costs with you until you reach a yearly out-of-pocket limit ($8,000 for Plan K and $4,000 for Plan L in 2026). Then the plan pays 100% of covered services for the rest of the year. |
| Plans C and F | Cover the Part B deductible. Only available if you became eligible for Medicare before January 1, 2020. |
If you are newer to Medicare, Plan G is the most comprehensive plan open to you. Some insurers also offer a high-deductible version of Plan G. In 2026, you pay the first $2,950 of covered costs yourself, and then the plan pays 100% for the rest of the year.
Plan G vs. Plan N
Plan G covers Part B excess charges, which are extra fees that some providers who do not accept Medicare assignment may bill. Those charges are uncommon, and you can avoid them by choosing providers who accept assignment. Plan N often has a lower premium, but it adds copays and does not cover excess charges. Compare actual Connecticut rates for both letters before you decide.
How Much Do Connecticut Medicare Supplement Plans Cost?
Your total cost has three parts: your Part B premium, your Medigap premium, and any costs your plan does not cover. In 2026, the standard Part B premium is $202.90 a month. Medigap premiums are separate and depend on the plan letter and the insurer.
Because Connecticut requires community rating, your age, gender, and health do not change the price of a plan. The CID publishes approved monthly rates for every Medigap insurer, so you can compare the same letter side by side. Rates may vary by payment method, and the date a rate was approved is not always the date it takes effect. Confirm the current price with the insurer before you apply.
Includes the standard 2026 Part B premium of $202.90. Higher-income members pay more. Does not include Part D, copays, or other costs.
When Can You Enroll in Connecticut Medicare Supplement Plans?
If you are 65 or older, Connecticut lets you apply in any month. Timing still matters, though. Many people buy a plan right when Part B starts, so their coverage begins without a gap.
If you are under 65 and have Medicare because of a disability
Federal law does not guarantee Medigap access for people under 65. Connecticut law fills part of that gap. Every insurer must offer Plan A to people under 65 who have Medicare due to a disability. If a company also sells Plan B, Plan D, or Plan C, it must offer those too. Plan C is open only to people who became eligible before 2020, and some insurers sell only Plan A to this group. As of February 2026, about 8% of Connecticut Medicare enrollees were eligible due to disability rather than age.
If you have Medicare Advantage now
Medigap does not work with Medicare Advantage. To add a Medigap plan, you must first return to Original Medicare. Medicare Advantage members can switch during the annual Open Enrollment Period, October 15 to December 7, or during the Medicare Advantage Open Enrollment Period, January 1 to March 31. Line up your start dates so you do not have a gap in coverage. Also add a Part D plan so you do not lose drug coverage.
For help comparing Connecticut Medicare Supplement plans, contact B&A Benefit Solutions at +1 203-565-6419.
Connecticut Medicare Supplement Plans vs. Medicare Advantage
Connecticut residents choose both. As of February 2026, 57% of Connecticut Medicare enrollees were in Medicare Advantage, compared with 51% nationwide, based on CMS data. Neither choice is right for everyone.
| Medicare Supplement (Medigap) | Medicare Advantage | |
|---|---|---|
| How it works | Added to Original Medicare. Medicare pays first, then Medigap fills gaps. | A private plan that replaces Original Medicare. |
| Monthly cost | A separate premium, plus your Part B premium. | Some plans have low or $0 premiums. You still pay your Part B premium. |
| Doctors and hospitals | Any provider that accepts Medicare, nationwide. | Usually a network. Rules vary by plan. |
| Out-of-pocket costs | Depends on the plan letter. Plan G leaves only the Part B deductible. | Copays and coinsurance, up to a yearly out-of-pocket limit. |
| Prescription drugs | Not included. Add a Part D plan. | Many plans include drug coverage. |
| Dental, vision, hearing | Generally not covered. | Some plans include these extras. |
Medicare Advantage plans differ widely. Review each plan’s network, out-of-pocket limit, and drug list before you compare it with a Medigap plan.
What Connecticut Medicare Supplement Plans Do Not Cover
Medigap does not cover everything. According to Medicare.gov, Medigap plans generally do not cover:
- Long-term care, such as nursing home care
- Vision or dental care
- Hearing aids
- Eyeglasses
- Private-duty nursing
- Prescription drugs, for policies sold after 2005
If you need drug coverage, you can add a stand-alone Medicare Part D plan.
How to Choose Among Connecticut Medicare Supplement Plans
- Confirm your coverage. You need Medicare Part A and Part B first.
- Decide which gaps matter most. Some people want no surprise bills. Others accept copays in exchange for a lower premium.
- Compare the same letter across insurers. Use the CID rate chart, because the benefits are identical and the price is not.
- Ask about the details. Check the start date, any pre-existing condition limitation, and the free look period.
- Apply and line up dates. Make sure your new plan starts when your other coverage ends.
- Add Part D if you need it. Medigap will not pay for your prescriptions.
Free Help With Connecticut Medicare Supplement Plans
Need help understanding Connecticut Medicare Supplement plans or comparing your options? Contact B&A Benefit Solutions at +1 203-565-6419 to discuss your coverage options and next steps.
Frequently Asked Questions About Connecticut Medicare Supplement Plans
Is there an open enrollment period for Medicare Supplement plans in Connecticut?
Not a fixed one. Connecticut requires insurers to sell Medigap plans on a guaranteed-issue basis at all times, so people age 65 and older can apply in any month. The federal six-month Medigap window still exists, but Connecticut’s rules go further. Rules for people under 65 are different.
Can a Connecticut insurer deny me a Medicare Supplement plan because of my health?
Not for a standard plan. The CID says Medigap plans are guaranteed issue at all times, and rates cannot vary by age, gender, or health status. A pre-existing condition limitation may still apply if you had no earlier creditable coverage or a gap in coverage.
What is the best Medicare Supplement plan in Connecticut?
No single plan is best for everyone. According to KFF, Plan G was the most popular Medigap policy nationally in 2023. It covers everything except the Part B deductible. Plan N may cost less but adds copays. Compare Connecticut rates for the same letter before you decide.
How much does a Connecticut Medicare Supplement plan cost?
It depends on the plan letter and the insurer. Connecticut requires community rating, so your age, gender, and health do not change the price. The CID posts approved monthly rates for every insurer. You also still pay the Part B premium, which is $202.90 a month in 2026 for most people.
Can I have a Medicare Supplement plan and Medicare Advantage at the same time?
No. Medigap works only with Original Medicare. If you move to Medicare Advantage, contact your Medigap insurer about canceling the policy.
Does a Medicare Supplement plan cover prescription drugs?
No. Medigap policies sold after 2005 cannot include drug coverage. You can add a stand-alone Medicare Part D plan instead.
Can I buy a Medicare Supplement plan in Connecticut if I am under 65?
Possibly. If you have Medicare because of a disability, every Connecticut insurer must offer Plan A. A company that also sells Plan B, Plan D, or Plan C must offer those to you too. Some insurers sell only Plan A to people under 65.
Talk With a Local Connecticut Insurance Agent
B&A Benefit Solutions is an independent insurance agency serving Connecticut and New York. If you want help comparing Connecticut Medicare Supplement plans, our licensed team can walk through your options with you. Contact B&A Benefit Solutions to get started.
This article is for general education only. It is not insurance, legal, or tax advice. Medicare Supplement plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan availability, rates, and Medicare costs change, so confirm current details with the insurer, the Connecticut Insurance Department, or Medicare.gov.
Sources
- Connecticut Insurance Department: Medigap Fact Sheet
- Connecticut Insurance Department: Monthly Medicare Supplement Rates for Standardized Plans
- Medicare.gov: Compare Medigap Plan Benefits
- Medicare.gov: What Medigap Covers
- CMS: 2026 Medicare Parts A and B Premiums and Deductibles
- KFF: Key Facts About Medigap Enrollment and Premiums
- HealthInsurance.org: Medicare in Connecticut (CMS enrollment data)
- Connecticut CHOICES Program
Founder of B&A Benefit Solutions in Stratford, CT. Helping Connecticut & New York businesses find coverage that actually fits, without the jargon.
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