How to Choose the Best Medicare Plan in Connecticut (2025 Guide)

Choosing the right Medicare plan in Connecticut can feel overwhelming—especially with so many options and moving parts. But you’re not alone. Whether you're turning 65, helping a loved one, or simply looking to get the most value from your coverage, this guide is here to walk you through it.

 In this 2025 guide, we’ll break down your options and help you feel confident about choosing the Medicare plan that’s best for your needs, lifestyle, and peace of mind.

Understanding Medicare Options in Connecticut

Original Medicare (Parts A & B):

• Part A: Covers inpatient hospital care, skilled nursing facility care, hospice, and some home health services. Most beneficiaries don't pay a premium for Part A.
• Part B: Covers outpatient care, preventive services, ambulance services, and medical equipment. In 2025, the standard monthly premium for Part B is estimated to be $185, though it may vary based on income.

Medicare Advantage (Part C):

These are private insurance plans that provide all Part A and B services and often include additional benefits like vision, dental, and hearing. In 2025, Connecticut offers 61 Medicare Advantage plans, with premiums averaging $20.03 per month.

Prescription Drug Plans (Part D):

Stand-alone plans that offer prescription drug coverage. Connecticut residents can choose from 16 different Part D plans in 2025, with premiums starting as low as $6.30.

Medicare Supplement Insurance (Medigap):

These policies help cover out-of-pocket costs not paid by Original Medicare, such as copayments and deductibles. Connecticut offers 12 different Medigap plans in 2025.

Steps to Choose the Best Medicare Plan

Assess Your Healthcare Needs:

• Frequency of Doctor Visits: Regular visits may necessitate a plan with lower copayments.
• Preferred Healthcare Providers: Ensure your doctors and hospitals are in-network if considering Medicare Advantage.
• Prescription Medications: Verify that your medications are covered under the plan's formulary.

Compare Plan Costs:

• Premiums: While some Medicare Advantage plans offer $0 premiums, always consider other associated costs.
• Deductibles and Copayments: Understand what you'll pay out-of-pocket when accessing services.
• Out-of-Pocket Maximums: Medicare Advantage plans have a cap on annual out-of-pocket expenses, providing financial protection.

Evaluate Additional Benefits:

Some Medicare Advantage plans offer extra benefits like dental, vision, hearing, and fitness programs. Determine which benefits are essential to you.

Check Star Ratings:

The Centers for Medicare & Medicaid Services (CMS) rates plans annually based on quality and performance. For 2025, Aetna offers a 4.5-star plan in Connecticut.

Seek Personalized Assistance:

Utilize resources like Connecticut's CHOICES program, which provides free counseling to help you understand your options.

Important Enrollment Periods

 

• Annual Enrollment Period (AEP): October 15 to December 7. During this time, you can join, switch, or drop a plan, with coverage starting January 1.
• Medicare Advantage Open Enrollment Period: January 1 to March 31. If you're enrolled in a Medicare Advantage plan, you can switch to another or return to Original Medicare during this period.

 

Ready to Take the Next Step?

Choosing a Medicare plan is a big decision—but you don’t have to figure it out on your own. At Sanson Insurance, we’re here to answer your questions, explain your options in plain language, and help you find a plan that truly fits your life.

👉 Schedule your free Medicare consultation today and let’s make Medicare simple, together.