A Medigap policy is a health insurance policy sold by private insurance companies to fill the gaps in Original Medicare coverage. Medigap helps pay when Original Medicare doesn’t cover the full cost of services. Medigap insurance is a secondary payor to Original Medicare. You can go to any doctor or medical provider that accepts Medicare.
Medigap policies must follow federal and state laws. The front of the Medigap policy must clearly identify it as “Medicare Supplement Insurance”.
- The state of CT has continuous enrollment in Medigap which means you can purchase a Medigap plan at anytime during the year. Pre-Existing Condition waiting periods may apply.
- In all states, except Massachusetts, Minnesota and Wisconsin, a Medigap policy must be one of ten standardized polices.
- Standardized plans make it easy for individuals to compare plans across carriers. For example, if someone is shopping for a Plan C, regardless of the carrier, the benefits for Plan C are identical across all carriers.
- The polices are identified by the letters A-N. Each policy has a different set of benefits. Plan A covers the least amount of services and Plan F, the most.
- Costs of the plans vary from company to company depending on the coverage. Individuals should choose the plan that best meets his or her medical needs.
- Individuals under age 65 who have a disability can only buy Plans A, B or C.
- Medigap Plans sold after June 2010 do not offer prescription drug coverage.
- Medigap Fact Sheet
- For the latest rates and Medigap plans in CT, Click on the following link:
- Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
For more information regarding Medigap polices, contact:
- The CHOICES program at your local Area Agency on Aging. It is the designated State Health Insurance Program (SHIP), and is funded by the Federal Center for Medicare and Medicaid Services. Information is free of charge. Services include individual counseling by phone or in-person, application assistance if needed and distribution of printed materials including applications for state and local benefits, as well as referral to other community counselors.
- Phone: (800)-994-9422 or (203)333-9288
- e-mail: Southwestern CT Agency on Aging
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