ConnectiCare offers five different Medigap plans in 2025 for residents of Connecticut.

Medicare supplement plans, also known as Medigap, can help cover some of your remaining out-of-pocket costs from Original Medicare (Parts A and B). This can include deductibles, premiums, copayments, and coinsurances.

These plans are usually managed by private insurance. One example is ConnectiCare. This is a managed care company and a subsidiary of EmblemHealth, a New York-based healthcare insurer. It offers Medicare Advantage (Part C) and Medigap plans to Connecticut residents.

Read on to find out what these plans cover and how much they may cost.

Generally, Medicare supplement plans cover at least part of your share of any costs left over after your Original Medicare coverage has been used for medical services. Original Medicare is made up of parts A and B together.

There are several choices for Medicare supplement plans, and each insurer may offer different options. Below is an overview of what each of the plans offered by ConnectiCare covers in 2025.

ConnectiCare Medicare Supplement Plan A

  • Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Medicare Part B coinsurance or copayment
  • first three pints of blood needed

ConnectiCare Medicare Supplement Plan B

  • Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • Medicare Part B coinsurance or copayment
  • first three pints of blood needed

ConnectiCare Medicare Supplement Plan G

  • Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • skilled nursing facility coinsurance
  • Medicare Part B coinsurance or copayment
  • Medicare Part B excess charges
  • first three pints of blood needed
  • foreign travel emergency coverage

ConnectiCare Medicare Supplement Plan N

  • Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • skilled nursing facility coinsurance
  • Medicare Part B coinsurance (copayments still apply)
  • first three pints of blood needed
  • foreign travel emergency coverage

One other additional plan is available through ConnectiCare if you were eligible for Medicare before January 1, 2020:

ConnectiCare Medicare Supplement Plan F

  • Medicare Part A coinsurance and hospital coverage up to 365 days after Medicare benefits are used up
  • Part A hospice care coinsurance or copayment
  • Medicare Part A deductible
  • skilled nursing facility coinsurance
  • Medicare Part B coinsurance or copayment
  • Medicare Part B deductible
  • first three pints of blood needed
  • foreign travel emergency coverage
  • excess charges

ConnectiCare also offers high-deductible versions of plans F and G. With these plans, 100 percent of covered services are paid after you meet a $2,870 deductible for the year.

Extra benefits

In addition to various covered services, ConnectiCare also guarantees that you can keep your Medicare supplement coverage for life as long as you pay your monthly premium on time.

Additionally, ConnectiCare can be used by any provider nationwide that accepts Medicare. There are no network restrictions.

Unlike some Medicare supplement plans that offer plans or prices based on specific counties or ZIP codes, all of ConnectiCare’s Medigap plans are available to every Connecticut resident eligible for Medicare and not enrolled in a Medicare Advantage plan.

The costs are the same in each service area, and any price changes made are statewide.

PlanMonthly premium
Plan A$363.60
Plan B$321.04
Plan F$312
Plan F, high deductible$75
Plan G$297.25
Plan G, high deductible$60
Plan N$192.00

Medicare supplement plans, or Medigap plans, are optional products offered to people with original Medicare (parts A and B) to help pay for certain out-of-pocket costs.

These plans can be used to pay copayments or other items not covered by standard Part A and Part B coverage.

Each insurance company has its own menu of Medigap plans, and plan options may vary by location. Check with the insurer to find out if a specific plan is available in your area.

You may not purchase a Medigap plan if you have already moved from Original Medicare to a Medicare Advantage plan. You can purchase supplement plans only if you use Medicare Parts A and B.

Which Medicare supplement plan has the highest level of coverage?

Among the 10 Medigap plan options, Plan F is the most comprehensive.

What does Medicare supplement Plan A not cover?

Medigap Plan A doesn’t cover:

  • skilled nursing facility care coinsurance
  • Part A and B deductibles
  • Part B excess charges
  • foreign travel emergencies

Is ConnectiCare a Medicare plan?

ConnectiCare offers Medigap and Medicare Advantage plans.

What does Medigap not pay for?

Medigap plans typically don’t cover long-term care such as nursing home expenses, vision or dental care, and hearing aids.

ConnectiCare Medicare supplement plans are available to Connecticut residents who qualify for Medicare.

Each ConnectiCare Medigap plan offers different coverage, so compare plans to find one that best suits your needs and budget.

Medicare supplement plans help you cover your share of Medicare costs, but they are not compatible with Medicare Advantage plans.