Are you among over 265,000 New Haven, Connecticut, Medicare beneficiaries with unsupplemented coverage? Don’t worry; you’re not alone. Below, we’ll explore some solutions to protect you and your savings from unexpected medical costs.
Medicare plans in New Haven, Connecticut
We’ve already gathered several free quotes for this article. But remember, they’re for the average beneficiary on Original Medicare in New Haven, typically female and 73 years of age.
Medicare Advantage plans
Beneficiaries can choose from 36 different Medicare Advantage plans in New Haven, Connecticut. This city already has a 44% participation rate, which shows just how popular these plans can be.
Affordability isn’t just about price; it’s also about the features your plan gives you. Anthem BCBS, for example, offers a lower MOOP than its closest HMO medical network competitor. They have also received high marks for customer service.
Carpenters of Connecticut, though, has the lowest out-of-pocket maximum in the area. You only have to pay $4,900 out-of-pocket before Carpenters take over. And you’ll get a plethora of choices with their PPO network.
The least affordable plan in the chart below would be Wellcare. They have the highest out-of-pocket maximum tied with Connecticare. But their customer reviews are only slightly above-average.
The average cost of Medicare Advantage plans in New Haven, Connecticut
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Carepartners of Connecticut | $0 | $4,900 | LOCAL PPO | N/A |
| Wellcare | $0 | $7,550 | HMO | 3 |
| Anthem BCBS | $0 | $7,300 | HMO | 4 |
| Connecticare | $0 | $7,550 | HMO | 4 |
| Aetna | $0 | $6,700 | LOCAL PPO | 3 |
Medicare Supplement plans
Unfortunately, Original Medicare has coverage gaps that can be expensive if you need more care. Medicare Supplement plans in New Haven, Connecticut, are designed to cover those expenses for you. These are small, standardized policies that are the same no matter what state you live in.
So if you enroll in Medigap Plan F, for example, you’ll get all of those comprehensive benefits, even if you’re a snowbird with a winter home in another state. Qualifying beneficiaries can purchase Plan F for as little as $260 monthly. You could also save money on monthly premiums by buying the high-deductible version.
So how does Plan D cover fewer benefits but not cost a cheaper premium? Because retirees who didn’t qualify for Medicare enrollment before 2020 are no longer eligible for Plan F. But even if you can’t find the cheapest Plan D premium, the more expensive versions aren’t that expensive.
Beneficiaries who want to combine the cheapest plans with the most coverage can also look to Plan L, or Plan N. Plan N is pretty comprehensive with a low monthly premium and only asks for a small copay in place of your Part B coinsurance. Plan L is still cheaper, but you must help with 25% of your covered medical expenses.
The average cost of Medicare Supplement plans in New Haven, Connecticut
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $182.25 | $1,518.33 |
| PLAN B | $267.53 | $1,027.87 |
| PLAN C | $376.00 | $436.22 |
| PLAN D | $268.84 | $388.00 |
| PLAN F | $260.00 | $799.83 |
| PLAN HDF | $47.50 | $88.90 |
| PLAN G | $206.00 | $628.99 |
| PLAN HDG | $47.50 | $75.36 |
| PLAN K | $66.00 | $135.00 |
| PLAN L | $123.50 | $467.48 |
| PLAN M | $232.58 | $608.97 |
| PLAN N | $160.00 | $398.45 |
Medicare Part D prescription drug plans
A New Haven, Connecticut Medicare Part D prescription drug plan is how you get affordable medications if you stick with Original Medicare. These plans usually charge a monthly premium and an annual deductible. But you get discounted drugs after meeting those expenses.
The average plan in New Haven right now carries a $480 deductible. The cheapest one is Aetna, with a monthly premium under $10. Total annual upfront costs are just under $570.
The UnitedHealthcare drug plan has the most average price. But it trades a higher monthly premium for a lower deductible. These annual costs amount to $662 per year.
If you’re going with a less expensive plan like Wellcare, carefully read and understand your Explanation of Benefits before signing up for a program. Not all plans cover the same drugs or offer good prices for the medicines you need. And what good is a cheaper plan if it doesn’t cover your medical needs?
The average cost of Medicare Part D plans in New Haven, Connecticut
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.40 | $480 | 3 |
| Wellcare | $13.00 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| $29.30 | $310 | 4 | |
| Cigna | $32.10 | $480 | 3 |
Special Needs plans
Some Medicare beneficiaries rely on their benefits to help pay for chronic illnesses. If you’ve been diagnosed with something chronic and debilitating, you can help cover your costs with a Medicare Advantage Special Needs Plan (SNP).
All of the plans below are HMOs. This means your doctors and facilities are limited, but your costs will be lower. They’ll be the lowest if you choose Wellcare, and it’s $3,450 MOOP.
There isn’t much differentiating the other four plans from one another. Aetna stands out because it’s an HMO network with point-of-service options. But when it comes to the other three — Anthem BCBS, Connecticare, and Cigna — you’ll have to decide on finer details like customer service or benefits.
The average cost of Medicare Special Needs plans in New Haven, Connecticut
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Aetna | $0 | $7,550 | HMO-POS | Dual |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Anthem BCBS | $0 | $7,550 | HMO | Dual |
| Connecticare | $0 | $7,550 | HMO | Dual |
| Cigna | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in New Haven
We’ve been helping beneficiaries like you save money on Medicare for years. Our experts work with some of the best supplement providers in the industry. And the rate quotes we give you are completely free!
Call us today, or complete our online rate form to see plans in your area.
